How to avoid 2 new devious internet scams

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Nina Pineda has tips on avoiding scams targeting students with loan debt and those who use direct deposit (Shutterstock)

Students snared into losing their tuition or room and board reimbursements are being fooled by a classic "man in the middle" hack, said Adam Levin, founder of CyberScout.

"The hacker sends them the email as if they're involved with the aid office as part of the university or the funding source," Levin said.

Students can then make the mistake of clicking on a fake link and typing in their loan User ID and password.

"So the hacker then takes their info to log onto the real site and change the banking information so the money is directed to a pre-paid debit card as opposed to a legitimate banking account of the student," Levin said.

The next hack gets scammers into bank accounts by diverting employees' direct deposits.

"You get an email from what you think is your employer or your payroll company. That leads you to log on to this secure site where you do your payroll transaction," Levin said.

The FBI warns legitimate payrolls sites like this are being spoofed.

"They take your info and log on to the correct site, change your banking information," Levin said.

This means that the next time an employee gets paid, the scammer gets paid instead.

Here's the big takeaway: Don't recycle IDs and passwords. Hackers succeed mostly because victims use the same user ID and passwords for everything. So use different ones, and change them frequently.

Never click on emailed links. Fake websites look exactly like the real deal. Instead, go to the website directly, and cut out a possible scam, the middleman.

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