Cybercriminals are in the news for targeting companies with ransomware, but they're still up for stealing your identity as well. We have the latest on protecting yourself. Also, student loan rates are going up.    Links mentioned in this episode:   Biden Extends Student Loan Relief, Is Loan Forgiveness Next?: https://www.kiplinger.com/personal-finance/credit-debt/loans/student-loans/602114/president-biden-extends-student-loan-relief ;   Protect Yourself Against New ID-Theft Schemes: https://www.kiplinger.com/personal-finance/credit-debt/loans/credit-reports/602854/protect-yourself-against-new-id-theft;   Identity Theft Resource Center 2020 Annual Data Breach Report: https://www.idtheftcenter.org/identity-theft-resource-centers-2020-annual-data-breach-report-reveals-19-percent-decrease-in-breaches/ ;   Pandemic Brings New Scams, Too: https://www.kiplinger.com/personal-finance/careers/unemployment/602860/pandemic-brings-new-scams-too ;   https://haveibeenpwned.com/ www.haveibeenpwned.com   pwned - Urban Dictionary:  https://www.urbandictionary.com/define.php?term=pwned ;   Federal Trade Commission -- Payments and Billing:  https://www.ftc.gov/consumer-protection/payments-and-billing ;