It is illegal to use identity documents to make loans without others' permission. If the woman agrees, the two parties who signed the agreement when the loan contract is binding have nothing to do with the third party, and whether they are their own children or not, they are not responsible for the loan.

There is no legal provision for the compensation of father's debt, and the so-called compensation of father's debt is conditional.

According to Article 33 of the Inheritance Law of People's Republic of China (PRC):

Inheritance shall pay off the taxes and debts that the decedent should pay according to law, and the payment of taxes and debts shall be limited to the actual value of his estate. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir. If the heir renounces inheritance, he may not bear the taxes and debts that the decedent should pay according to law.

In other words, if the heir abandons the inheritance, he may not be liable for repayment. However, if the heir wants to inherit the estate, he must pay off the taxes and debts that the decedent should pay according to law. Paying taxes and paying debts is limited to the actual value of his estate. If the inheritance is not enough to pay off the debts, the heirs cannot inherit the inheritance but have no obligation to bear the debts.

It is worth noting that there are two situations in which father's debt must be repaid.

First, parents' loans are used for family members to live together. If the money borrowed by parents is used for family members to live together, then this debt cannot be regarded as parents' personal debt and should be repaid by family members.

Second, children do not fulfill their obligations of support. If parents are forced to borrow money to support their children because they have not fulfilled their maintenance obligations, the children should bear the obligation to pay off their debts, no matter whether the debt is greater than or less than the inheritance.