<prompt> Human: My old roommates gf took out a private student loan with sallie mae a number of years ago, and had me as the co-signer without my permission. I signed no documents, saw no paperwork, spoke with no one on the phone, nothing. Fast forward a few years, and my credit is crap, my life is crap. I finally get over some personal issues, and start rebuilding my life. But when I pulled my actual credit report to start fixing things, I see this student loan. And of course, it is badly delinquent. After some hassle, Sallie Mae finally gave me proof of my role in the debt: a promissory note with the signature missing. Id assume this was all some elaborate scam if it werent for it being sallie mae. Im assuming she got a hold of my personal info while we were roommates, and used that. No one I know has spoken with her in years, she left my old roommate and had a kid with another guy awhile ago. So now Im not sure what to do, the debt is well over 20k now. Doesnt help that Im currently unemployed. This is helping to tank my credit, and Im worried about sallie mae pursuing the matter in court. How in the world should I proceed? Please note that Im unemployed and broke, so paying a lawyer out of pocket aint gonna happen anytime soon. Thanks in advance.Edit: Thanks for all the advice. I think first thing I need to contact a lawyer and go over all this stuff. Ill be demanding anything I can from sallie mae in the meantime. If the police have to be involved, so be it. Im not relishing the idea of calling law enforcement on a single mother, but she has done something somewhat similar before to another person... Nothing else on my credit is astray, thankfully. And this part is embarrassing - the loan was taken out in 2005. Id be in a much better spot had I stayed on top of my credit, to say the least.  <response>: No signature, no debt. Especially if you are willing to file with the police and further separate yourself. 