Disclaiming personal liability and not filing idenity theft charges is very close to having your cake and eating it, too, IMO. In addition, given that the fraud was committed on the lender, too, I am not certain that the lender needs the consent of the mother to file its own charges if she claims the use was not authorized.When I was in college you were required to provide your parents SSNs on the FAFSA, which is required to get a student loan. I doubt it has changed.It's just as possible that the lender has committed fraud, and identity theft is not in the picture.Also, even my electronically processed loans still required me to sign a hard copy "master promissory note" at one point with my physical signature (further loans were then just tacked on without more paperwork). So if the lender can't provide anything with her signature then I would be skeptical of their claims...If the simple presence of a SSN is enough to commit someone to a loan, then every student who has ever applied for a loan has "committed" their parents!
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