Spam or not?

Today in my email I found the following message:

My first thought?  Wow, those spammers are getting creative.  I never took out a student loan, and college ended 35+ years ago. But later in the email it says

And it really looks official.  Which made me think... I know I'm not the only one out there with my name.  I'm not even the only one out there with my first name, middle initial and last name.  Maybe in the UK there's a mirror me, living my Best British Life (albeit one laden with college loans).

So, you decide: spam?  or not?