called my cell phone at 12:55PM. Left a message about lowering the interest rate on my credit card.

Called our unlisted number, no message.  This has to be phishing,,, no student loans here.  Or they're back to some sort of credit card scam.

Thanks to other posters for info.  Now I *know* I can block this caller.

Disconnected number, so, india scum using spoof numbers to steal from American. All scumbags.