Getting messages claiming there is a new program that can lower my payments or provide forgiveness.
I have a high balance from loans going back to the 1970s. They have all been rehabbed or consolidated, all on IBR, all current.
Is this a scam? I have not talked to anyone yet.
Most likely it's a scam - I get them as well and I think they're as common as the "extended car warranty" calls people get. Even my partner has gotten student loan reduction/forgiveness calls and he doesn't have any.
You can research online to see what information is out there with regards to whatever program they're trying to sell you on, and I would recommend reverse number look ups (though phone numbers are easily spoofed nowadays). If you really want to ask about programs or forgiveness, you should do some research and/or chat with your servicer and/or post here and see if we can help you out.