But any mailing that tells you to call a company and pay money to get your loans forgiven is a waste. It's not exactly as scam. But they're charging you to sign you up for income based repayment plans that you already qualify for. Call your servicer and/or read the links in the sidebar for more details.
You don't have to reject any prospective tenants outright or cite reasons for doing so. Be careful if you choose to give reasons for denying tenant applications (we don't recommend doing it at all) - Never quote illegal reasons such as race, color, religion, sex and nationality.
Report any negative decisions. If you refuse to rent to someone based on information you receive in a credit report, you must send a letter to that person explaining your reasons. You must also include a reference to the federal law that grants someone denied credit 60 days to obtain a free credit report.