Parent took out Student loans in my name without my knowledge, tanking my credit

I recently discovered that my parent took out multiple federal student loans in my name without my knowledge or consent.

The loans were first disbursed in 2023, total around $10k, and are currently serviced by EdFinancial. I did not authorize the FAFSA, promissory notes, or repayment plans, and I only became aware of the loans when they went delinquent and hit my credit in late 2025, causing a major drop.

My parent has now started making payments, but the loans and delinquencies are still reporting under my credit and SSN. I understand that simply paying them does not fix the credit damage or change legal responsibility.

I am trying to understand the best way to correct the borrower record with the Department of Education without immediately involving police, if possible. I’ve been told there is an administrative fraud / identity theft review process through the servicer and DOE, but that outcomes vary.

Specifically, I’m trying to understand:

• Whether DOE can clear me as the borrower through an administrative fraud determination

• What typically happens to the debt afterward (repayment by the responsible party vs. other civil recovery)

• Whether it is realistic to resolve this without filing a police report, assuming full cooperation and repayment

I am not trying to avoid the truth — I just want to fix my credit and make sure the debt is attributed to the person who actually took it out.

If anyone has experience with federal student loan identity theft, DOE fraud reviews, or EdFinancial specifically, I’d appreciate insight into how this usually plays out and what to expect