This is just a quick note to tell everyone to get a credit report!!! I just got one and found that I've been mixed up with 4 other people and now have $23,000 in debt!! Of course they are working on fixing it-- but if i had never checked i would have tried to apply for med school loans and there is no way i would have gotten them! Plus, the supreme court just passed a ruling that if something is on your credit for 2 years, mix-up or not, you are stuck with it! I used <a href="http://www.experian.com" target="_blank">www.experian.com</a> and they have been very attentive, but there are millions out there that will do it.