<prompt> Human: I just checked my credit report to find a score of 499. There are 2 closed accounts under student loans from FEDLOAN from 2010 that each have 17 delinquent payments. My family paid for all of my college including FAFSA grants for 5,500 per semester. Never did I apply for a student loan of any kind that I am aware of. I have never received mail or a phone call regarding the issue and have no idea what to do. Im having an unreal panic attack. If anyone could please help me or point me in the right direction on how I can get my credit fixed, it would mean more than you could possibly imagine. Thank you.  <response>: If you want to check if you took out student loans, you could go to nslds.ed.gov, which is the national student loan data system. Theyll have record of your loans. Alternatively, you could also call your schools financial aid office and ask if you took out any loans. 