<prompt> Human: So, I got a collection call today for an account I had no knowledge of; a private student loan in the amount of approximately 120,000.00, disbursed back in 2008 in mine and my fathers name. I did not take out a loan in 2008, and I certainly didnt borrow 120k I was barely scraping by that year, to say the least. Now, it may sound like jumping the gun, but knowing my father had lost his high paying job in 2004, has been on the verge of losing his house he finally lost it last fall, and fell into some major drug abuse meth over the last decade, it seems as though hes the most likely culprit. Especially seeing as he actually had cosigned on my student loans back in 03-04. My uncle also told me that he was fairly certain my father had taken loans out in my name my uncle was living with him and that hed held back on giving me my full loan amounts of the loans Id actually taken out - my dad insisted on controlling the funds, and I didnt know he was smoking meth, essentially. Hed cosigned in the past, so he has all of my personal information, and knows how to acquire a private student loan online which doesnt require an in-person signature. He also hasnt worked in over a decade, but managed to retain his home which recently sold for nearly 400k after it was foreclosed, repaired, and put back on the market, his three vehicles, Ski boat, Jet Fishing boat, Jetskis, Snow Mobiles, upkeep on himself and his wife, hobbies aside from the drugs, trips, etc.Ive since discovered 5 minutes ago, or so that I was enrolled in a school I never actually attended online program, and an additional loan, as well as a Pell grant, were disbursed in 2011. I was working full-time in another state in 2011, so theres no way I would have registered, let alone enrolled and received financial aid at a new school. Plus he registered for accounting and e-business management, and neither of those arewere my major. The school mentioned I would have to somehow prove I never attended, which for an online class, four years later would be pretty difficult to do. The creditor of the big loan offered to assist me in filing a report Im assuming fraud? on Monday, but I have no idea what to do at this point. Can you even dispute cosigned student loans? And I know theres something about a tax cut off date coming up 7 years?, could that have implications on a suit? Moreover, how can I find any other private student loans he may have taken out? The only reason I know about this one is that its in collections, and they managed to call my cell phone.To say Im shocked is an understatement, and Im trying to keep my shit together and stay calm Im pretty sure my future is fucked? because my initial response is to.. essentially go full Shiva and destroy his world. Id rather do that with legal backing, and not tip him off to cover his ass on fraud charges. Best case scenario is hed come clean with it, but Im definitely not holding my breath for that. Let me know if you need additional information, Id be happy to elaborate, Im just a bit bewildered right now so this is probably a mess of a post. TL;DR Drug addicted, jobless father seems to have taken out over 100k in private student loans, in my name cosigned. What do I do?  <response>: Does your father have life insurance? 