As for Parent Plus loan fraud, there’s a lot written, Google for it.
"…if your child submits [a Plus application, in your name] without your knowledge, it means they stole your identity to obtain a student loan. Done online, your child would need your FSA account login information and potentially your Social Security number. Done on paper, your child would need your Social Security number and to forge your signature.
Using your personal login information or Social Security number or forging your signature are all considered identity theft." Etc.
Sounds like maybe OP needs his/her own FSA id, to prevent anyone falsely creating one in his/ her name. ?