My Mom Stole My Identity and Applied for Student Loans in My Name


Dear Steve,

I am 32,000 in debt from student loans. My mother pulled out these loans under my name and using my login information on the college site.

All of this money did NOT go to me. I was never allowed to ask where it went or how much she was pulling out under my name.

She claims that she will be paying all of it back, but if that’s the case, then I need these loans to be transferred under her name.

How can I transfer these fraudulent loans to my mother?



Dear Alexis,

Identity theft is a serious issue. It is a criminal issue. It is illegal.

Over the years, I’ve run into so many different situations where the criminal was a family member or roommate.

There is a solution, but good people like yourself are most of the time unwilling to do what needs to be done – file a police report.

What I hear is, “I don’t want to do that if my mother might get arrested.”

If that is the case in your situation, then you will have to accept the debt in your name and pay it back. If your mother elects to help repay the debt, that’s great, but she does not have to.

Identity theft is like getting mugged on a dark side street. Someone takes your valuable asset without your permission and uses it for their personal gain.

The issue of your mother stealing your identity is bigger than just the loans. It impacts other parts of your life as well. Your credit report and credit score can suffer. That can lead to a lower credit score, and that leads to more expensive future credit.

You should strongly consider going to CreditKarma and monitoring your credit reports for free or using an identity theft service to keep tabs on your credit reports. If your mom thought this was okay to do, will it be the last time? Was this the only time?

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How to Start to Tackle Identity Theft

The Federal Trade Commission (FTC) has a website at IdentityTheft.gov to give you a plan on what to do to begin to deal with the situation.

Identity theft is serious, and it has long-term ramifications.

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.

I’m not heartless here, but I’d like for you to consider that your mom might have some other issues going on as well.

The fact she took these loans out without your permission, and then some of the money is unaccounted for, leads me to believe there is more to discover.

Another giant red flag here is you are the victim, and your own mother gave you the impression you could not even ask where the stolen money went.

Who knows what issues are driving your mother and her thinking here. In the past, I’ve seen people do those sorts of things that had underlying issues like bad co-dependent relationships, failing businesses, or addictive situations involving substances or spending issues.

Getting the Student Loans in Her Name

You wanted to know how you can transfer the student loans into your mother’s name. You can’t. As far as the lender is concerned, you are the borrower, not her. It is not the fault or the lender’s responsibility that your mom committed a criminal act in your name.

If you want to get these loans out of your name, you will either need to get your mom to take out new loans in her name and pay these off in full, or it will probably come down to filing a police report and being willing to participate in any legal action against your mother by the lender.

Damon Day - Pro Debt Coach

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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