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🚨12 COMMON SCAMS THAT TARGET YOUNG PEOPLE (AND HOW TO AVOID THEM)

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🧠 INTRO: YOU’RE A TARGET, NOT A FOOL Young people are smart, tech-savvy—and unfortunately, prime targets for online scammers. From flashy job offers to fake scholarships and “easy money” investments, the digital world is filled with traps that look tempting, especially if you're hustling to earn. This post isn’t here to scare you. It’s here to equip you. We’ll break down the most common online scams that target students, jobseekers, and young professionals—and how to spot them before it’s too late. 🚫 12 COMMON SCAMS THAT TARGET YOUNG PEOPLE (AND HOW TO AVOID THEM) 1. Fake Online Jobs Promising “Work From Home” Riches 👀 What It Looks Like: “Earn KSh 50,000/week working 2 hours a day from home!” These often appear in social media ads or shady Telegram groups. 📌 Real Example: Esther, a university student in Eldoret, paid KSh 1,000 for a “training manual” only to discover the company disappeared after that. ✔️ How to Avoid It: Legit jobs don’t ask for upfront payments. Cross-check...
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STUDENT LOANS: WHAT YOU MUST KNOW BEFORE BORROWING

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INTRODUCTION : BORROWING FOR YOUR FUTURE Taking out a student loan is often the first big financial decision many young people make. It can open the doors to higher education—but if misunderstood, it can also create long-term debt and stress.  “It’s not free money. It’s your future paycheck paying your current tuition.” Let’s break it down—clearly, honestly, and practically—so you can borrow wisely, if you must. ✅ 1. WHAT IS A STUDENT LOAN, REALLY? A student loan is money you borrow to pay for school—tuition, books, living expenses—with the agreement that you’ll pay it back later, with interest. Example: If HELB lends you KES 40,000 per year, by graduation you may owe over KES 160,000 plus accrued interest. Your student loan is just the beginning of your financial journey. Here’s a complete guide to personal finance in your 20s to help you stay ahead.” ✅ 2. TYPES OF STUDENT LOANS IN KENYA a) HELB (Higher Education Loans Board) This is the most common student loan in Kenya, offered...
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