While different reference sources list her birthplace as either Queens, New York City, or Hauppauge, New York on Long Island, Loughlin explained, "I grew up in Hauppauge but I was born in Queens," moving with her family when "I was a year old." She is the daughter of Lorellee Loughlin and Joseph Roy Loughlin, a foreman for the New York Telephone Company. She has one younger brother, Roy.\n', '

She attended Oaks School #3 Elementary School in Oceanside, NY. She would go on to graduate from Hauppauge High School. Loughlin is of Irish descent.\n', '

After becoming interested in acting as a young child, Loughlin began her career at age 11 as a print model, recalling:\n', '

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