Each year, the IRS publishes the “Dirty Dozen,” a list of tax scams most prevalent during that year’s tax season. This year, with COVID-19 pushing off the federal tax deadline to July 15, the IRS held off publishing the list until early July, and of course it’s loaded with COVID-19-related scams.

It’s no secret that the IRS excels at making things complicated. And when you’re busy learning the ropes of a new job, trying to fill out a 4-page W-4 form can be a huge hassle. It’s not a good idea to rush through it, though, because a small mistake now can mean withholding too much or too little of your salary for covering your taxes. There have also been several recent changes to the W-4, so you may need to make some adjustments to your current form on file.

Back-to-school season means a flurry of shopping — and a flurry of scams. Scammers know that students and their parents are caught up in a frenzy of preparations and errands and are, therefore, more likely to fall victim to schemes. As you get ready for school, look out for these scams targeting college students and parents of private school students that tend to peak before the start of the school year.