Probably yes. It is illegal to use someone elses SS. (identity theft) It also may be theft of property if you took out loan with no intent of paying it back. Unsure if a federal offense using SS. I would pay back loan or face the consequences.
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Yes. Consult and retain an experienced local criminal defense lawyer ASAP. Your attorney will review all facts and circumstances. He/she will then be in a position to either defend against the charges or present mitigating factors at sentencing.
Of course, every answer is based on the question asked and requires a more complete context. This answer should not be relied upon to make a legal decision. Seek the advice of an experienced criminal defense attorney before acting. Law Offices of Raymond G. Wigell, Ltd. Defenders of the Constitution since 1975/ Aggressive Creative Defense Strategies/ Website: www.waaltd.com 24/7 call (708) 481-4800 text (708)218-0923