it may be an honest mistake. the person with the name similar to yours, the way it is spelled, may be attending the university and may have applied for the loan. the lender ran a credit report, and it came back with the wrong ssn or wrong address. do not panic, but check it out with all of the entities

You need to notify you parents or guardian about this too. You will also need to make a police report, when you do, don’t expect the police to really be helpful, because they most times don’t care about ID theft…it isn’t something that they can really trace easily and no one is physically threatened…even so, you need to get them involved.