Fractional Distillation Process To Separate Organic Liquids

Fragmentary Distillation Process To Separate Organic Liquids Refining is a valuable technique for purifiying fluids. Straightforward refining is utilized when an unadulterated dissolvable is required to be acquired from the arrangement. This is normally water. Then again, partial distilation is fundamentally utilized for the partition of a blend of two miscible natural fluids having diverse breaking points. A typical case of two fluids that blend in with one another are ethanol and water. Another model is petroleum and paraffin. In this analysis, a blend of CH3)2CO and toluene was given. Fundamentally, the fluid blend was bubbled to vanish the fluid that had the least breaking point, alluded to as the principal division. The fume left behind through a fractionating section, which isn't utilized in a basic refining. As the blend vaopur left behind the fractionating segment, it ceaselessly consolidated and dissipated. This made it become progressively more extravagant in the fluid with the most minimal breaking point until the fume that arrived at the top comprised on the whole of the segment with the least breaking point. The fume is then cooled in the condenser thus it consolidated back to a fluid, which was gathered, henceforth alluded to as the distillate. At the point when practically all the fluid with the most minimal breaking point was refined over, the temperature rised quickly indicating that a blend of the two fluids was refining over. This ought to be gathered in a different holder and disposed of. When the temperature arrived at the breaking point of the subsequent fluid, the fluid was then refined into another holder. This essentially clarified the procedure of fragmentary refining. Be that as it may, there is a hypothesis behind this, on the grounds that the procedure of refining ought to be connected concerning a perfect fluid blend where one is more unpredictable than the other. With respect to blend of CH3)2CO/toluene gave in this examination, perfect conduct was accepted and once the procedure was done, the more unpredictable fluid was found by finding the breaking point of every segment. It was noticed that the more unpredictable fluid was CH3)2CO since this had a lower breaking point. This was talked about further comparable to breaking point creation charts. 2. Strategy 2.1 Chemicals utilized Reagent: Evaluation: Producer: CH3)2CO GPR BDH Toluene GPR Merck 2,4-dinitrophenylhydrazine GPR Riedel de Haem Sodium hydroxide GPR Tinstar Iodine GPR BDH Dioxane GPR Aldrich A blend of acteone (BDH, GPR) and toluene (Merck, GPR). 2.2 Apparatus Fractionating section, thermometer, 100 mL round bottomed jar as the refining pot, glass dots, against knocking granules, cotton fleece, tight clasp, Leibig condenser with elastic tubings, warming mantle, associating side-arms as a major aspect of the fragmentary refining arrangement, counter remain with brace, water gracefully, 10 mL and 100 mL estimating chambers, electronic parity, test-tubes, refined water. 2.3 Procedure Section a) The detachment of the CH3)2CO/toluene blend and the estimation of the breaking points of each. The contraption for fragmentary refining was set-up suitably utilizing a 100 mL round-bottomed carafe, the fractionating segment gave, protected well with cotton fleece. 50 mL of the CH3)2CO/toluene blend was put in the 100 mL round-bottomed cup. This was estimated utilizing an estimating chamber. A couple of bubbling chips or hostile to knocking granules, which were little unpredictably bits of material, were added to the round-bottomed flagon so as to permit delayed bubbling. The mechanical assembly was clipped as needs be from the neck of the round-bottomed cup and checked to be adjusted and all around set-up before the warming mantle was turned on. At that point round-bottomed cup was warmed gradually utilizing a warming mantle, until the perusing on the thermometer arrived at a consistent state and drops were seen to consolidate out of the Leibig condenser. This was the breaking point of the primary part. This consistent state temperature was recorded and the distillate was gathered in a 100 mL estimating chamber. The refining was permitted to continue until not any more fluid escaped the condenser into the estimating chamber. At that point the volume of the principal portion was recorded. At the point when the entirety of the principal portion was refined out, the temperature at the highest point of the segment was seen to increment and afterward arrived at a subsequent consistent state, which was the breaking point of the subsequent part. Drops of the subsequent division were seen to begin to gather out of the Leibig condenser. This consistent state temperature which was the breaking point of the subsequent portion, was recorded. The subsequent distillate was gathered in a spotless estimating chamber and afterward its volume was recorded. Part b) The use of two distinct tests for the recognizable proof of the fluid distillate having a carbonyl gathering. (CH3)2CO) 2,4-DNPH test was first done. 2-3 drops of the fluid to be tried were added to 3 mL of 2,4-dinitrophenylhydrazine, and shaken. Any perceptions and deductions were recorded. The iodofrom test was then completed. 4 small scale drops of the fluid to be tried were broken up in 2 mL refined water, in a test-tube. The drops were included cautiously utilizing a pipette. 2 mL of 10 % sodium hydroxide were then included with 2 mL of iodine arrangement, which were included gradually by drops. The substance was insoluble in water and in this way 2 mL dioxane were included. This was done with the goal that the substance broke down. Any perceptions and surmisings were then recorded. Each test was completed twice, for every distillate. Chart: The set-up mechanical assembly for Fractional Distillation. Safety measures It was guaranteed that the thermometre was situated in like manner at the mouth opening of the Leibig condenser, where it demonstrated which division was being dissipated by taking note of the temperature readings. The thermometer position was significant in such a case that the thermometer bulb was to be put excessively high, the fumes would arrive at it before they go into the side-arm to be gathered, and the watched breaking point would be lower than it ought to be. In the event that the thermometer bulb was to be set excessively low, fumes of polluting influences may arrive at it, and a high perusing for the breaking point range would be given. It was guaranteed that the fractionating segment was filled and stuffed with glass globules, for most extreme conceivable surface region for fume to gather on. It was guaranteed that a joint clasp was utilized and appended between the finish of the condenser and the side arm so that there was finished connection of the arrangement together and any spillage of the fluid distillate was forestalled, however permitted to drop just from the side arm tube, where the vent was available. It was guaranteed that the Leibig condenser furnished was set-up in like manner with opening underneath implied for water to be siphoned in while the opening at the top implied for water to be siphoned out, and the other way around. Despite the fact that water pressure moves from a higher to a lower tallness, if the condenser must be the other route round the fluid probably won't be cooled totally as it would just gather the top bit of the condenser. In this manner if the remainder of the piece of the Leibig condenser was not cooled, the fluid would might dissipate into gas again at the base piece of the condenser. This clarified the significance of right set-up. It was guaranteed that however much of the subsequent portion as could reasonably be expected was gathered, anyway simultaneously care was taken so as not to permit the refining pot, for example the 100 mL round-bottomed jar, to bubble dry in any case the deposits may light or expode. It was guaranteed that enemy of knocking granules were utilized. These were put in the 100 mL round-bottomed flagon with the 50 mL of the CH3)2CO/toluene blend. The granules were significant since they permitted delayed, smoother bubbling without knocking and ceaseless even development and arrival of fume bubbles were watched. It was guaranteed that cotton fleece was utilized with the goal that the entire fractionating section was totally wrapped and secured for protection or slacking. This was significant with the goal that the mechanical assembly stayed as warm as could be expected under the circumstances and inordinate cooling was evaded, yet happened gradually. It was guaranteed that parallax mistakes were dodged however much as could be expected by looking ordinarily to the size of the estimating chamber were when taking readings of the volumes of fluids, or when taking temperature readings from the thermometre. For wellbeing measures, it was guaranteed that care was taken while refining natural solvents so as to maintain a strategic distance from blasts and flames. Subsequently, it was guaranteed that the fume didn't come into contact with blazes, wellsprings of flashes or exceptionally hot surfaces, for example, hot plates. It was guaranteed that the contraption was not totally fixed. A vent in the framework was required in order to forestall pressure develop in the framework as warming was done. In any case the contraption would essentially blow separated. In this manner, for safey measures, it was guaranteed that warming in a shut framework was maintained a strategic distance from. 3. Results Volume of CH3)2CO and toluene blend utilized was: 50.0 mL Perceptions Inferences from the 2,4-DNPH test A red-orange accelerate was shaped. This positive outcome implies that a carbonyl gathering, was available in the recipe of the substance. No accelerate was framed. The substance contained no carbonyl gathering, in its recipe, subsequently a negative outcome was acquired. Perceptions Inferences from the Iodoform test A light yellow accelerate was shaped. This implies the substance contains a in its equation, subsequently it gave a positive iodoform with a disinfectant smell. No accelerate was shaped. No gathering was available in the equation of the substance, henceforth a negative outcome was gotten. Associated Identity with Fraction 4. Conversation: At some random temperature an unadulterated fluid in a nearby holder will build up a balance with its fume: liquidvapour The harmony fume pressure over the fluid will rely on the temperature. Thinking about blending two fluids in various extents,

At the beginning of our day out Briggs is portrayed as an antagonist Essay Example

Toward the start of our day out Briggs is depicted as an enemy Essay Toward the start of Our Day Out the character of Mr. Briggs is advised to watch out for things. Now we dont know a lot about him separated from the way that he demonstrations somewhat like a government agent. Briggs addresses the students on the mentor to plunk down and his first words are run of the mill of a severe educator: Reilly. Dickson. Plunk down! It shows it won't be simple for the students to continue ahead with as they need to make some great memories, and a decent time in his eyes is to plunk down unobtrusively and converse with individuals sitting close by you. Briggs discourse demonstrates that he is severe. He doesn't converse with individuals in a typical tone; it is all the more an exacting tone. Furthermore, there are a ton of outcry stamps in his discourse demonstrating he shows more often than not. Mrs. Kay is the classes educator, she is a pleasant woman that realizes the kids wont add up to a lot, as there is no occupations around here. Briggs and Mrs. Kay appear to not get along, this is a result of the diverse instructing styles. Briggs doesn't comprehend that the understudies fathers try sincerely and don't have a lot to appear for it. Though Mrs Kay comprehends it is hard for them, comprehend they wont grow up to be a lot and attempts to be pleasant. We will compose a custom exposition test on At the start of our day out Briggs is depicted as a rival explicitly for you for just $16.38 $13.9/page Request now We will compose a custom exposition test on At the start of our day out Briggs is depicted as an enemy explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom exposition test on At the start of our day out Briggs is depicted as a rival explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer Mrs Kay and different educators are as frustrated as the kids when they hear Briggs is going ahead the outing since they comprehend what he resembles. He doesn't think the youngsters have the right to be permitted out traveling this way and appreciate it. He is an old style educator, who stays by rules. He thinks Mrs. Kay should show them in an alternate manner. He is under the feeling that in the event that they get the hang of something they will have a superior way of life. Parody is a fundamental fixing to the play. It occurs in numerous scenes all through the play. In the first place when Les exits to get Carol over the street. He sets his planning perfectly to stop the egotistical get that is Briggs. At that point, there is the scene when Mrs. Kay fools the driver into accepting that the youngsters are poor. The zoo, the shop, the young ladies with Colin these scenes all have satire in them. Briggs genuine nature additionally adds to the funniness in light of the fact that the conduct of the kids makes him so distraught. Mrs Kay convinces Briggs to plunk down and have an espresso. He doesn't imagine that the kids ought to be disregarded, anyway Mrs. Kay consoles him that they will be alright. However when Briggs discovers the kids have taken the creatures he blows up. He couldn't help contradicting Ronsons see about the confined creatures and he says that was all they were utilized to. Here, Willy Russell talks allegorically. The confined creatures resemble the kids. The kids see the existence they need, similar to the bears see the opportunity, yet they cannot arrive at it. Russell gives us that Briggs and the youngsters are so unique idea the language by utilizing phonetic spelling to feature emphasize. At the sea shore and the reasonable, Briggs appears to be an alternate individual. He advises the driver to go to the reasonable. He appears to have gotten used to the youngsters at this point. At the sea shore, Carol, an understudy from the advancement class that has large dreams however no chance to get of getting them, disappears. Briggs discovers her on the edge of a precipice and advises her to escape from the edge. She answers with something the crowd thinks, You dont care. The crowd at that point begin to see an alternate side to Briggs when he answers If I didnt care, what am I doing here at this point. This suggests Briggs cares about the understudies, however he is a good old educator. He accepts that youngsters go to class to learn, not to have a ton of fun time. The finish of the play is loose. The youngsters make some great memories at the carnival and Mrs Kay takes some photographs, which Briggs gets hold of, with the guarantee to create them, yet he discards them. Actually I dont think Briggs changes. Not long before the transport returned to class, Russell includes this stage heading: Briggs removes his cap, brushes his hair and set back on his coat I think he loose and attempted to appreciate the excursion, however when he returns to class, his work environment, he is the old Briggs once more. I think as a rule that the crowds see has changed of Briggs. He is a good old instructor and that is how he is, yet I feel that the crowd currently observe that there is an alternate side to him. A side that is once in a while observed. I feel that Briggs is a decent instructor and that he has a superior way to deal with the youngsters than Mrs Kay. Despite the fact that she comprehends them better, I believe that Briggs would show them more as he has exacting guidelines, He would cause them to realize, where as Mrs Kay essentially converses with them and evidently gets them.

Loan Scams 6 Warning Signs You Need to Know

Loan Scams 6 Warning Signs You Need to Know Loan Scams: 6 Warning Signs You Need to Know Loan Scams: 6 Warning Signs You Need to KnowGuaranteed approval, fee-based help for your federal student loans, and upfront payment should all set off alarm bells.When you’re in desperate need of cash, it can be easy to look for the fastest solution. Unfortunately, doing so will open you up to a whole host of predatory lenders and outright scammers. Desperate people, especially ones with low credit scores, often make the easiest marks.Between con artists who demand payment upfront and then disappear to predatory cash advance loans designed to trap you in a dangerous cycle of debt, there’s a lot you have to watch out for. Applying for a loan with one of these companies could dig you even deeper into debt.But don’t worry. That’s why we’re here. Before you venture online or pick up the phone, make sure you know these warnings signs for when a fast-cash loan is actually fast-talking scam.1. Watch out for upfront or “advance” fees.There’s a reason that we made this warning sign number one. Even if you decided to skip the rest of this post (please don’t do that), you would be okay coming away with this one piece of knowledge.Lenders that ask you to pay money upfront before they deliver your loan or make noise about “advance fees” are scamming you. Once you pay them that money, they are going to melt away, leaving you with an even bigger hole in your wallet than when you started.While it is customary for many personal loans to include origination fees as a part of their lending process, those fees are often deducted from the loan amountâ€"not demanded up front before anything’s been agreed upon. (Mortgages also come with a number of additional fees.)Other hallmarks of an advance fee scheme include requests that you pay the costs of transferring the funds, demanding that payment is made via wire transfer, or encouraging you to make payments via a prepaid debit card or other gift cards.But before you even reach any of those other warning signs, y ou should be tipped off by any demand of a fee prior to the loan being approved.2. Don’t fall for promises of “guaranteed approval.”This promise often goes hand in hand with an advance fee scheme. By telling their mark that they can get a loan no matter how dire their financial situation, scammers can more easily dupe them into paying them.If a lender tells you that approval is guaranteed, then they are not being truthful with you. A real lender always has some kind of condition for issuing a loan. Even if the loan is very easy to get approved for, it’s still not “guaranteed.”But don’t take it from us. According to the Federal Trade Commission (FTC),  â€œLegitimate lenders never guarantee or say that you are likely to get a loan or a credit card before you apply, especially if you have bad credit, no credit, or a bankruptcy.”Even if a lender that promises guaranteed approval ends up issuing you a loan, that doesn’t mean that you’re out of danger. It might be a si gn that the loan is a first step to trapping you into a long-term cycle of debt. To learn more, check out our blog post: Is Guaranteed Approval A Real Thing?3. They  don’t check your credit history or income.Real lenders don’t offer guaranteed approval for one simple reason: they care about your ability to repay what you borrow. That’s why they take steps to verify your credit history and your income before approving your loan. If you have good credit, every loan you apply for will involve some kind of credit check.The same doesnt hold true for bad credit loans and no credit check loans. If you have poor credit and are applying for one of these loans, you need to have your guard up. And even if a lender doesn’t make splashy promises of guaranteed approval or demand an advance fee, you can sniff out their trustworthiness by whether or not they check your credit history.It doesn’t have to be a hard credit check. A soft check will do just fine. Plus, a soft credit check won†™t show up on your credit report and dent your credit score. Sure, they return a lot less information than a hard check, but they return way more information than no credit check at all.When a lender doesn’t verify your credit history or income, it might be a sign that they’re hoping you can’t afford your loan. In situations such as these, the lender is counting on a lot of their customers being forced to roll their loans overâ€"paying additional fees and interest to get an extension on the due date.When a person is continually rolling or reborrowing a loan, it makes it very hard for them to climb out of debt. Instead of paying off their principal loan amount, they’re only ever paying off the interest. Imagine spending $1,000 in interest on a $300 loan and then realizing that you’re no closer to paying it off than you were when you first began.If a lender doesn’t check your credit history or try to verify your incomeâ€"whether its a short-term loan or a long-term install ment loanâ€"it’s not too much to assume that a predatory cycle of debt is right around the corner.4. Beware promises around loan “forgiveness.”These scams often center around student loans. And while the state of student debt in this country is massively screwed up, these people are not making it any better. In fact, they’re profiting off other people’s misery and desperation.Most of these folks aren’t lenders. Instead, they are “student debt relief” companies that promise to help ease your federal student loan burden. They promise lower monthly payments and sometimes outright loan forgiveness, and they will request a fee for their services.But here’s the thing: Anything they say they can get you can actually be gotten for free. And don’t believe these companies that say they are aligned with the federal government. They are not.There are a bunch of different claims that these scammers will make in order to get you to use their services. From the U.S. Department of Education:Here are some examples of the false claims made in these communications:“Act immediately to qualify for student loan forgiveness before the program is discontinued.”“You are now eligible to receive benefits from a recent law that has passed regarding federal student loans, including total forgiveness in some circumstances. Federal student loan programs may change. Please call within 30 days of receiving this notice.”“Your student loans may qualify for complete discharge. Enrollments are first come, first served.”“Student alerts: Your student loan is flagged for forgiveness pending verification. Call now!”Instead of working with one of these companies whose fees and deceptive practices could leave you much worse off, you should go straight to the Federal Student Aid website, where you can find information on loan forgiveness, debt consolidation, lowering your monthly payments, and getting out of default, all for free.5. Loan scammers will lie about their identity.  This advice is two-fold. Many scammers will lie about who they’re representing. They’ll say they’re from a bank or another reputable lender, or they will say that they are a partner of the federal government. This is often the case with companies that are trying outright trick you through an advance fee scheme.Other times, a lender will contact youâ€"an actual lender, albeit one who is decidedly predatoryâ€"and tell you that you are eligible for a loan with them. The only problem is that you live in a state where loans like the ones they’re offering (usually high-interest payday loans or title loans) are illegal. This lender is breaking the law and shouldn’t be trusted.When you’re shopping for a loan, especially an online loan, you need to do your research to make sure that you’re not being scammed. Don’t trust the numbers or websites that the lender gives you. Do some snooping and independently verify that the information they’ve given you is accurate.S ometimes, a cursory Google search is the only standing between you and some real financial hardship.6. Beware of companies that contact you, especially over the phone.It’s not just you. A recent article in The New York Times confirmed that robocalls and phone scams are calling your phone more now than ever before. Amongst those callers are many folks claiming to be from a legitimate lender with a fantastic loan offer for you. Don’t believe them.Real lenders don’t call you out of the blue asking if you want a loan. While many legit lenders might have an over-the-phone part of their application process, it’s only going to be after you’ve applied for a loan or expressed a direct interest in being contacted.If a lender contacts you out of the blue, the odds are extremely good they’re, well, up to no good. According to the FTC, “It is illegal for companies doing business by phone in the U.S. to promise you a loan or credit card and ask you to pay for it before they deliver. ”A phone call is also an extremely good place to give out false informationâ€"to lie about your name, affiliations, address, and contact info. Don’t be taken in. Any lender who contacts you and promises a loan should get only one response: the click of you hanging up.To learn more about keeping yourself safe from scammers, check out these related posts and articles from OppLoans:10 Common Scams: How They Work and How to Avoid ThemMulti-Level Marketing Scams: How a MLM “Job” Could End Up Costing You ThousandsHow to Avoid Scam Contractors and Fake Charities Post-Natural DisasterHave you ever been duped by a loan scam?  We want to hear from you!  You can  email us  or you can find us on  Facebook  and  Twitter.Visit OppLoans on  YouTube  |  Facebook  |  Twitter  |  LinkedIN Loan Scams 6 Warning Signs You Need to Know Loan Scams: 6 Warning Signs You Need to Know Loan Scams: 6 Warning Signs You Need to KnowGuaranteed approval, fee-based help for your federal student loans, and upfront payment should all set off alarm bells.When you’re in desperate need of cash, it can be easy to look for the fastest solution. Unfortunately, doing so will open you up to a whole host of predatory lenders and outright scammers. Desperate people, especially ones with low credit scores, often make the easiest marks.Between con artists who demand payment upfront and then disappear to predatory cash advance loans designed to trap you in a dangerous cycle of debt, there’s a lot you have to watch out for. Applying for a loan with one of these companies could dig you even deeper into debt.But don’t worry. That’s why we’re here. Before you venture online or pick up the phone, make sure you know these warnings signs for when a fast-cash loan is actually fast-talking scam.1. Watch out for upfront or “advance” fees.There’s a reason that we made this warning sign number one. Even if you decided to skip the rest of this post (please don’t do that), you would be okay coming away with this one piece of knowledge.Lenders that ask you to pay money upfront before they deliver your loan or make noise about “advance fees” are scamming you. Once you pay them that money, they are going to melt away, leaving you with an even bigger hole in your wallet than when you started.While it is customary for many personal loans to include origination fees as a part of their lending process, those fees are often deducted from the loan amountâ€"not demanded up front before anything’s been agreed upon. (Mortgages also come with a number of additional fees.)Other hallmarks of an advance fee scheme include requests that you pay the costs of transferring the funds, demanding that payment is made via wire transfer, or encouraging you to make payments via a prepaid debit card or other gift cards.But before you even reach any of those other warning signs, y ou should be tipped off by any demand of a fee prior to the loan being approved.2. Don’t fall for promises of “guaranteed approval.”This promise often goes hand in hand with an advance fee scheme. By telling their mark that they can get a loan no matter how dire their financial situation, scammers can more easily dupe them into paying them.If a lender tells you that approval is guaranteed, then they are not being truthful with you. A real lender always has some kind of condition for issuing a loan. Even if the loan is very easy to get approved for, it’s still not “guaranteed.”But don’t take it from us. According to the Federal Trade Commission (FTC),  â€œLegitimate lenders never guarantee or say that you are likely to get a loan or a credit card before you apply, especially if you have bad credit, no credit, or a bankruptcy.”Even if a lender that promises guaranteed approval ends up issuing you a loan, that doesn’t mean that you’re out of danger. It might be a si gn that the loan is a first step to trapping you into a long-term cycle of debt. To learn more, check out our blog post: Is Guaranteed Approval A Real Thing?3. They  don’t check your credit history or income.Real lenders don’t offer guaranteed approval for one simple reason: they care about your ability to repay what you borrow. That’s why they take steps to verify your credit history and your income before approving your loan. If you have good credit, every loan you apply for will involve some kind of credit check.The same doesnt hold true for bad credit loans and no credit check loans. If you have poor credit and are applying for one of these loans, you need to have your guard up. And even if a lender doesn’t make splashy promises of guaranteed approval or demand an advance fee, you can sniff out their trustworthiness by whether or not they check your credit history.It doesn’t have to be a hard credit check. A soft check will do just fine. Plus, a soft credit check won†™t show up on your credit report and dent your credit score. Sure, they return a lot less information than a hard check, but they return way more information than no credit check at all.When a lender doesn’t verify your credit history or income, it might be a sign that they’re hoping you can’t afford your loan. In situations such as these, the lender is counting on a lot of their customers being forced to roll their loans overâ€"paying additional fees and interest to get an extension on the due date.When a person is continually rolling or reborrowing a loan, it makes it very hard for them to climb out of debt. Instead of paying off their principal loan amount, they’re only ever paying off the interest. Imagine spending $1,000 in interest on a $300 loan and then realizing that you’re no closer to paying it off than you were when you first began.If a lender doesn’t check your credit history or try to verify your incomeâ€"whether its a short-term loan or a long-term install ment loanâ€"it’s not too much to assume that a predatory cycle of debt is right around the corner.4. Beware promises around loan “forgiveness.”These scams often center around student loans. And while the state of student debt in this country is massively screwed up, these people are not making it any better. In fact, they’re profiting off other people’s misery and desperation.Most of these folks aren’t lenders. Instead, they are “student debt relief” companies that promise to help ease your federal student loan burden. They promise lower monthly payments and sometimes outright loan forgiveness, and they will request a fee for their services.But here’s the thing: Anything they say they can get you can actually be gotten for free. And don’t believe these companies that say they are aligned with the federal government. They are not.There are a bunch of different claims that these scammers will make in order to get you to use their services. From the U.S. Department of Education:Here are some examples of the false claims made in these communications:“Act immediately to qualify for student loan forgiveness before the program is discontinued.”“You are now eligible to receive benefits from a recent law that has passed regarding federal student loans, including total forgiveness in some circumstances. Federal student loan programs may change. Please call within 30 days of receiving this notice.”“Your student loans may qualify for complete discharge. Enrollments are first come, first served.”“Student alerts: Your student loan is flagged for forgiveness pending verification. Call now!”Instead of working with one of these companies whose fees and deceptive practices could leave you much worse off, you should go straight to the Federal Student Aid website, where you can find information on loan forgiveness, debt consolidation, lowering your monthly payments, and getting out of default, all for free.5. Loan scammers will lie about their identity.  This advice is two-fold. Many scammers will lie about who they’re representing. They’ll say they’re from a bank or another reputable lender, or they will say that they are a partner of the federal government. This is often the case with companies that are trying outright trick you through an advance fee scheme.Other times, a lender will contact youâ€"an actual lender, albeit one who is decidedly predatoryâ€"and tell you that you are eligible for a loan with them. The only problem is that you live in a state where loans like the ones they’re offering (usually high-interest payday loans or title loans) are illegal. This lender is breaking the law and shouldn’t be trusted.When you’re shopping for a loan, especially an online loan, you need to do your research to make sure that you’re not being scammed. Don’t trust the numbers or websites that the lender gives you. Do some snooping and independently verify that the information they’ve given you is accurate.S ometimes, a cursory Google search is the only standing between you and some real financial hardship.6. Beware of companies that contact you, especially over the phone.It’s not just you. A recent article in The New York Times confirmed that robocalls and phone scams are calling your phone more now than ever before. Amongst those callers are many folks claiming to be from a legitimate lender with a fantastic loan offer for you. Don’t believe them.Real lenders don’t call you out of the blue asking if you want a loan. While many legit lenders might have an over-the-phone part of their application process, it’s only going to be after you’ve applied for a loan or expressed a direct interest in being contacted.If a lender contacts you out of the blue, the odds are extremely good they’re, well, up to no good. According to the FTC, “It is illegal for companies doing business by phone in the U.S. to promise you a loan or credit card and ask you to pay for it before they deliver. ”A phone call is also an extremely good place to give out false informationâ€"to lie about your name, affiliations, address, and contact info. Don’t be taken in. Any lender who contacts you and promises a loan should get only one response: the click of you hanging up.To learn more about keeping yourself safe from scammers, check out these related posts and articles from OppLoans:10 Common Scams: How They Work and How to Avoid ThemMulti-Level Marketing Scams: How a MLM “Job” Could End Up Costing You ThousandsHow to Avoid Scam Contractors and Fake Charities Post-Natural DisasterHave you ever been duped by a loan scam?  We want to hear from you!  You can  email us  or you can find us on  Facebook  and  Twitter.Visit OppLoans on  YouTube  |  Facebook  |  Twitter  |  LinkedIN