为了保持资金流畅，坏角色使用AI来填充应用程序，完成课程工作，甚至让学生看起来正在参加虚拟课程。
麦当劳在记者会上表示，“有些人甚至制造假学生在网络课堂上出现，目标是让幽灵学生在校时间尽可能长
无知的美国人坚持用账单
迄今为止，教育部在记者招待会上“查明了通过使用美国公民的PII创造的83万多个潜在的欺诈性联邦学生援助账户”，官员称。 如果所有这些账户都是鬼学生，损失总额接近1.3亿美元，即DOJ 称。
对于数据被盗的美国人来说，与此同时，受害者的信用可能受损。 一旦他们发现这个计划
称先生指出，“教育部为帮助破解这种混乱做了大量工作
关于逮捕，官员称“查明与这些具体对象有关的实际损失超过3 200万美元”,“我们认为，实际总数要高得多，”“怀疑者要多数百万”。
指定经营实体的监察主任办公室首先发现了揭露所指控的阴谋的欺诈模式。 联邦调查局随后帮助查明了有多少账户受到影响，追踪到美国和外国银行账户和密码钱包。 在一个案件中，一名被告“利用若干金融机构的多个银行账户收取700多笔骗取的联邦学生援助退款存款，总额约为1 439 548美元”。 在另一起案件中，“一人收到100多万美元的存款，这些存款与300多个欺诈学生账户有关”,Inside High Ed报道。
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To keep money flowing, bad actors use AI to fill out applications, complete coursework, and even make it appear that a student is attending virtual sessions.
“It looks like the ghost student is actually completing the class,” McDonald said at the press conference. “Some even create the appearance of a fake student in an online classroom to trick schools into believing a real person is present. The goal is to keep the ghost student in school for as long as possible, semester after semester after semester.”
Oblivious Americans stuck with bills
So far, the DOE has “identified over 830,000 potentially fraudulent federal student aid accounts created by using this PII of US citizens,” officials said at the press conference. If all those accounts are ghost students, total losses come close to $130 million, the DOJ said.
For Americans whose data is stolen, there’s little opportunity to discover the scheme until the government comes collecting on loans years later. In the meantime, victims’ credit can be damaged. Once they detect the scheme, they’re stuck defending against demands to repay inflated student loans, which McDonald admitted is messy.
“The Department of Education does a great job to help unravel that mess, but it is a mess that no one should have to endure,” he said.
In connection with the arrests, officials said they “identified more than $32 million in actual loss tied to these specific subjects” and “we believe that actual total is substantially higher,” with “millions more suspected.”
The DOE’s Office of Inspector General first detected the fraud patterns that brought the alleged scheme to light. The FBI then helped identify how many accounts were impacted, tracing money to US and foreign bank accounts and crypto wallets. In one case, a defendant “used multiple bank accounts across several financial institutions to receive over 700 fraudulently obtained federal student aid refund deposits, totaling approximately $1,439,548,” the DOJ said. In another, “one person received more than $1 million in deposits that were linked to more than 300 fraudulent student accounts,” Inside Higher Ed reported.
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