The Federal Trade Commission is warning about scammers targeting people with promises to cancel their student loans, and critics say President Joe Biden fueled the fire himself.

Biden has been pledging to cancel student loans since the 2020 presidential campaign and has rolled out a wide range of programs and proposals toward that end. While his actions so far have affected 4.3 million of the 44 million people with student debt, his headline-grabbing announcements have created an expectation that scammers are eager to exploit.