Financial aid turned into a financial raid. A record-finding tool called Get Transcript — meant for downloading old returns with information needed for loan applications — has been hacked by identity thieves. Posing as legitimate taxpayers, an organized crime syndicate is suspected of using stolen personal information to claim $50 million of other people’s tax refunds, and authorities fear this could lead to fraudulent bank or credit card accounts being opened. The I.R.S. has shut down the tool to bolster security and plans to notify all affected parties by mail.