My question involves collection proceedings in the State of: North Carolina

Short story (long story at the bottom): I think my mom signed loan documents in my name using an electronic signature.

Long story: my parents always told me... "we will pay for 4 years of college for you, but not a day more" so I got accepted to college and got a partial scholarship. My parents told me that I had a college fund and with my scholarships I assumed we were fine financially for paying for my college.
But 6 months after graduation my first student loan bill came. And I payed it. Assuming that it was for that extra summer school semester I took. And it has been on auto draft to be paid every month.

So as my husband and I go to buy a house and realize that our debt to income ratio is too high, I start to investigate why that is... and I find that I actually have 13,000 in student loan debt... AND they're in a few (5-7) smaller loans that were dispersed out over the 4 years.

I honestly do NOT remember signing 7 different loan documents over the 4 years I was in school. I would have taken a different college path had I known I was going to end up with 13,000 in debt... (I would have done community college for two years first)

All the signatures are e-signatures used with a PIN number


So my questions:
1. what steps do I take first?
2. Do I need to look at the signature dates first and provide some type of evidence that I didn't sign those documents (because handwriting is not going to be helpful)
3. Is there a statute of limitations?
4. Should I file the police report even if I'm not 100% sure I have solid evidence?
5. Is this even criminal or is it civil?

Let's start there...
THANKS SO MUCH!!