Some parents received a letter offering a good deal on college financial aid, but experts said it's not legitimate.

It's coming from a company called Right C3, promising financial aid for college.

"Every college has a financial aid department, so you don't necessarily need a third party for that," said Tamera Jinks with the Better Business Bureau.

Jinks said financial aid is usually free. Another red flag -- it's pushing urgency.

"It says there's only two available appointments for your area. If you don't act fast, you won't be able to get into it," she said.

Getting into the holiday season, Jinks said to watch out for other schemes, especially charities. She said people are in the giving mood, and people take advantage of that.

Brian Foster, an information security officer for Technovation, said online schemes are popular during the holidays.

"Some people are able to identify what you were earlier shopping for -- like on your iPhone or iPad. They'll kind of kow what you're looking for, and they'll present it to you with a 50% offer, specifically targeting your earlier searches," he said.

Foster said make sure to do the research before you make any purchases, especially if you're unsure.