I am sorry to hear this. The statute of limitations may have run on this matter. You did not notice the amounts on your credit report? Why do you think it is identity theft? Did you sign the loan application?
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Go see a lawyer ASAP; you may have a deadline which is about to expire.
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If she falsely endorsed the checks in your name, you may have a shot. What does your father say? Where is your mother, now? I agree that this is a matter you should have a lawyer look into directly -- you may be able to recover from the loan agency, from the school, or from her or your father, but it is difficult to tell online.
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