Ok...im new on here. Heres my story...Throughout my undergrad I forged my dads signature on my private Citiassit Loans. I know it wasnt the right thing to do but at the time I had no other option. I attendend a private high cost college and financial aid would only cover some of the cost. My dad did not agree to sign for more loans (as he only signed for the initial loan) but I signed for him behind his back. In total there is $37,000 in loans that my father DID NOT cosign.

My father and I decided to inform Citibank of this situation recently as I wanted his name take off these loans since he was not responsible. Citibank said that they would do an investigation and get back with us. Yesterday they sent my dad papers to press forgery charges against me. I agree that what I did was wrong...but it was when I was 18, 19, 20 years old (now 28). I was young and dumb...and did not have any other options if I wanted to go to college. Of course my father is NOT going to press charges. He had it out with Citibank!

Our main issue is that everytime I forged his signature he was NEVER notified that "he had just cosigned a loan". Citibank made it too easy to take out these loans there was no verification process to verify that the people signing and cosigning the loans were the actually my father and I.

My father and I want to take it to a lawyer...Im not sure what reprocusions that would have on me...but I want his name taken off.

I dont know if I could file for Bankruptcy I know student loans are hard to get get discharged now even the private ones. In total I have about 85,000 in students loans and only make about 26,000 a year...so I dont know if this is "undue hardship".

Looking for any advice...feel free to email me at tea3781@hotmail.com

Thanks, Tyler