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But I wouldn't be surprised if her only way out is to claim either fraud or sometype of identy-theft-of-cosigner of her son's doing, and who knows what long-term consequences that could cause her son.

Definitely her concern. At the same time it should not be possible to be obligated to repay a loan you never actually signed for!

IT IS WAY TOO EASY TO GET A STUDENT LOAN, and way to hard to know what you are getting into. So many private lenders hide behind government sounding names, clearly to give a false sense of security to those taking out the loans.

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