Federal loan I had no idea about

Here is my current situation:

I (24F) went to a 4 year university out of state paying full out of state tuition. My mom helped me with my first year and took out a federal loan in her name.. the rest of the 3 years are in my name through a private company which I have been paying on for almost 3 years now (I graduated May 2022). Last month 2/16 I received a notification that my credit score dropped 130 points.. after multiple phone calls, texts and emails I have learn, unbeknownst to me, that I was “awarded” subsidized and unsubsidized loans in my and for my freshman and sophomore year totaling 12K…. Well repayment on those started oct. 2024 and I had no idea so I now have a 1K overdue balance.. I have reached out to the university who said oh yeah you accepted these loans and they were dispersed to you.. I said I already have loans through a private lender and they are telling me yes this is in addition to that.. I am so lost right now and need some guidance. I feel as though I was taken advantage of and I already pay $1,300 a month for my loans…. Another $200 payment is just not really in the cards right now. My boyfriend said I need to go over to the school and have them walk me through all the documents I signed/proof of this exit counseling. I have no idea what to do now. He said if there’s just one paper they can’t provide me with then I can dispute the validity of the loans and refuse payment.. i already have emailed them and they told me exactly where to find the MPN and all that but I’m not longer a student so I can’t access the system and I’m not finding it on the aid site. I just feel like they’re gonna be like oh well you signed off on this which I may have but I truly had no idea.. They said all I had to do was log on to the financial aid system they use and sign a promissory note and do entrance counseling which again, no recollection of!!! What recourse do I have here..? If any..