# Dave Ramsey on Student Loan Identity Theft

> Grad student pays $28k loans then finds $39k more in her name.
- Title: Dave Ramsey on Student Loan Identity Theft · 24/7 Wall St.
- Summary: Grad student pays $28k loans then finds $39k more in her name. Alex paid off $28k student loans in 13 months but discovered $39k in loans she never signed…
- Keywords: student loans, identity theft, credit report, dave ramsey, alex, student loan fraud, credit freeze, joint liability, 24/7 Wall St.
- Source: 24/7 Wall St. — https://247wallst.com/personal-finance/2026/11/12/i-cannot-think-of-a-worse-form-of-child-abuse-dave-ramsey-to-grad-who-paid-off-28k-then-found-39k-more-in-her-name
- Author: Jake FitzGerald
- Published: 2026-11-13T02:07:52+00:00
- Read time: 1 min
- Topics: student loans, identity theft, credit report, dave ramsey, alex, student loan fraud, credit freeze, joint liability
## Alex's Loan Situation
Alex paid off $28,000 student loans in 13 months but discovered $39,000 in loans she never signed.

> I cannot think of a worse form of child abuse. Anybody that would do this to their own kid cannot be trusted. This is horrible.
## Credit Report Findings
Her credit report showed $19,500 in loans solely in her name and $19,500 jointly with her mother.
## Joint Liability Risk
Alex is responsible for the full $39,000 on joint loans, not just her half.
## Interest Impact
At an example interest rate, $39,000 could build $2,730 in interest annually.
## Credit Freeze Advice
Ramsey advised freezing credit with all three bureaus to prevent further fraud.

> freeze your credit with all three bureaus
## Dispute Options
She can dispute sole-name loans to reduce debt to $19,500 or pay full $39,000.
## Similar Case
A man found his 3-month-old child's Social Security number on a credit card in his wife's name.
## Next Steps
Alex should run credit reports, freeze credit, and sort unfamiliar loans by name.
## Key takeaway

Alex paid off $28k student loans in 13 months but discovered $39k in loans she never signed, risking 18 months of debt payments.