<prompt> Human: 26m, my grandmother on my fathers side left me and my brother 60keach in savings accounts for college only and she passed away when I was 6, father passed away when I was 16 and my mother became the soul ownerperson in charge of the accounts and when I was 18 I signed what at the time I believed to be my administrative or signup papers for college when they were in fact loan documents. I know I was stupid not to read what I was signing but I believed I could trust my own mother, graduated with a bachelors degree in an IT field and got a rude slap in the face 22 years old with collections warning from the loan company of 32k. Holy shit...WHAT!?!? Came to find out my mom had lost both accounts for me and my brother in mostly gambling that shes admitted to. I contacted the loan company and found out those documents I signed those years ago were in fact the loan documents so I began paying them down, for Thanksgiving this year, my mother decides to drop another bombshell and claim that theirs another 60k in loans that shes been paying as she co-signed on those to pay for my college... Massive argument erupts and through the crying and screaming she says that I am the co-signer on some and the main owner on others and shes the co-signer but she claims her minimum payments are 900month. My question for rpersonalfinance is if I were somehow attached to these loans wouldnt they pull up on my credit reports or in some sort of way through the loan company? The loan company claims that their website pulls the accounts based on social security number so wouldnt one of those 2 ways show me if Im attached to more loans? Im asking this because I refuse to speak with my mother and its caused quite a split in the family and I will not believe a single thing she says when it remotely involves money at this point.Edit: The additional loans mentioned by my mother were all made through the same loan company for the full 60k - according to her.Assistant: Not provoking legal actions and suing anyone at this time. As I said the original loan documents I signed when I was 18 was approx 32k and yes Im fully aware and accepted that was my fault and thats why Ive paid that and had no further issues there. Did some family counseling and forgave her and moved on...For those posting and asking about bro hes older, never went to college and 4 years ago when this erupted did what he had to do to protect himself and has gotten 0 fallout from it. I found on the 32k loans I do have that the max deferral time was used while I attended college and post graduation by her so I couldnt get them pushed back anymore without immediate collections being involved.As others helpfully mentioned to seek a lawyer to see what Im accountable for that is something Im considering after the option is made to my mother to produce documentation. I called the loan company this morning and asked about previously mentioned Parent Plus loans and they reported if my mother did use Parent Plus loans then legally I have no requirement to pay those. I could morally be fine with leaving her to deal with those as 60k is what I was told was originally set aside from my grandmother and thats the additional she took out without me knowing, I understand what shes done to me financially and will do what I can to work out the relationship in the WAY off future without letting money be involved, I have no intention to pay the additional amount I wasnt aware existed as that total would put my monthly payment over 1k and I cannot afford to do that anyways, I wanted to know how I could immediately check or best route for me to check myself everything legally attached to me that I am responsible for and it appears most say a full detailed credit report does that so if that is true then this additional amount is not present on them.To those asking how I could be so irresponsiblenot notice as you could imagine home life for other reasons wasnt ideal and I had an apartment for some of the time then moved around with different friends during college so a stable address was never a thing and she received all the mail, ie:payment notifications etc, so on top of not knowing I signed loan documents I thought to payments were being taken care of by the money from my grandmother. This is not an excuse as I said before Ive come to terms that the original 32k from when I was 18 is completely my fault, and again yes 100 my fault for not being more responsible and working on things myself with the college for financials and letting my mom do it. I had at the time no reason not to believe my mother was hiding things from me.  <response>: To those asking how I could be so irresponsiblenot noticeIgnore them. We ALL trust our parents until we get proof otherwise. You trusted your mom, which is perfectly normal. And now you know that you cant trust her again. Which is also a perfectly normal and healthy reaction to a bad situation. 