If you are not a minor (you say you're in college), unless you are having your parents co-sign for you, there is no reason for them to have either of your parents' social security numbers. If your parents are not co-signing the loan, and you are 18 or older, there is no reason to even get your parents involved. If you are having your parents co-sign, then yes, the fact that she does not have a real
SSN is a problem. So you can see what financial aid you qualify for that does not require a co-signer. You may also want to re-post/re-tag your question for "immigration law" related headings because those lawyers would be qualified to answer you as well regarding implications of being undocumented on this type of thing.
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