<prompt> Human: First, let me give some context. My father and mother have been married for 20 years and are nothing short of being soul mates, Im sure. Although, they have had at least two road bumps in their marriage that were financially influenced. That last one almost ended it. Unfortunately I dont have the full details but it has something to do with her lying to him about debt she incurred.My father almost worked himself to death literally trying to build a college savings for my sister and I. As far as he is aware, he was successfully able to send his kids to college without them needing to endure student loan debt. Im starting to see that may not be the case.Im 26 years old I only recently have started becoming more financially literate after starting a decent paying career a year ago; planning out my budget, opening an investment portfolio and making sure I never miss a payment on my credit card. This also means that Ive never payed attention to my credit history up until now. Ive only had a credit card for a year, around when I started my job, and when I checked my report recently, I was floored.. I dont fully understand all of what Im seeing and am hoping some of you can clear it up. There are 3 accounts that have been closed and sent to collections do to missed payments passed due 180 days. The only account I have in good standing is my own credit card account...1 - past due amount: 6,216, highlimit: 1,750 - STUDENT LOAN ASSIGNED TO GOVERNMENT COLLECTION ACCOUNT2 - past due amount: 2,268, highlimit: 1,750 - STUDENT LOAN ASSIGNED TO GOVERNMENT COLLECTION ACCOUNT3 - past due amount: 0, highlimit: 7,702 - ACCOUNT CLOSED DUE TO TRANSFERThere is no doubt in my mind that my father is unaware of this and Im on the assumption that he thinks the money he saved for our college was used for college, when, in reality, that may not be the case. It would seem my mother opened a student loan under my name and thought she could pay it off. Looks like she was in over her head. He is going to divorce her if he finds out, without a doubt. My mother has depression issues. I cannot let her face that let alone face a possible felony. My question is, can this be resolved and forgotten about if I pay this off asap. Or can I transfer this off of my account and under her name? I dont know what my options are..  <response>: Theres no way for you to not have to pay thesenot take a huge ding on your credit history without needing to report your mother for loan fraud, which my guess is you do not want to do. If you dont want to get your mother in trouble you will need to take over the loans and pay them off yourself. I however would question why you would want to let her continue to do stuff like this.Also WARN YOUR SISTER. I dont know how old she is but at minimum she should freeze her credit as should you so that your mother cant open stuff in her name 