It seems pretty clear from the story that LAOP’s mother paid the first two years of tuition (“Two years into college, I found out she had taken out over 20,000 more than necessary and kept it for herself and I [then] took over my finances for school) and that the loans were knowingly co-signed. I don’t see what the fraud claims here are based on. LAOP got their mother to co-sign for a loan, allow d the mother to control the loan, then later decided to take out other loans. They state that they were upset but willing to let it go if certain conditions were met. That doesn’t sound like a contract for repayment, so…pretty confused where the legal problem is here.