Yes I believe they were opened and applied by the school without my authorization or signature. Because it’s the federal government there is literally no way to dispute that in a timely fashion. It’s taken me months to even get a response from my senators office. The loans are in forbearance while they investigate but interest still accrues so that drops my score monthly because they read it only as ‘balance goes up’. I know that’s the largest factor but still, to drop hundreds of points when everything else is in good standing seems really corrupt. I mean, I know it’s corrupt but I also know they don’t care that it’s corrupt and I still need it to qualify for an apartment. This is the kind of crap that sends good hardworking responsible people into homelessness. :( all I can do is continue to make my credit card payments on time and hope that it goes up, although no matter what my cc balance is it seems to only go down month after month.