There are a few different scenarios that may apply to you when identity theft or an unauthorized signature has caused you to become responsible for student loan payments.
Wrong name or SSN
If the loan records show the incorrect Social Security Number (SSN) or name, you will have to show the Department of Education (DOE) proof that you are not the person identified on the loan records.
This usually includes samples of your signature and photocopies of the following:
Right name and SSN
If the loan has both your name and SSN, but you did not sign a promissory note for the loan, you will have to give examples of your signature from around the time that the loan was made. This could include:
- Tax returns for that year
- Driver's licenses issued at that time
- Canceled checks that you wrote at that time
You can also provide proof that you did not attend the school for which the loan was made. Finally, if you can’t provide such proof, you can provide a report from a handwriting expert.
Previous identity theft
If you have previously been a victim of identity theft, and that identity theft has caused you to be wrongly responsible for student loans, you should immediately collect the following information:
- A clear copy of a valid government-issued photo identification card, like a Driver’s License, state-issued ID card, or Passport
- A clear copy of your Social Security Card
- A written notarized statement that explains the events of the alleged fraud
- A signed, notarized copy of the certification or agreement of cooperation letter
- A copy of the report you filed with the police or sheriff’s department
You can also use a court judgment showing that you’ve been a victim of identity theft if you have one.
For all of the above identity theft cases, you should send the documents to the party that holds the loan.
Updated: June 2017