Two things about your story jumped out at me. (1) they forged your name (2) a refund was issued that YOU did not receive. I am lacking on advice other than to tell you that it seems like BOTH of your parents duped you and if you want a resolution then your mother as well as your dad will have to answer for it. If it were me, I would fight it regardless of who may get mad or hurt because you were obviously lied to. I realize that you did receive the education however had you known you would be legally responsible maybe you could have made arrangements to pay the loan. Instead you are now left with at least one damaged credit report, your future income tax refunds can be garnished for student loans, and the collectors will hound you.