Join Date: Sep 2010
Location: The Land of Three Mile Island
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Could be any of the Schwinn Hybrids from the early 90's. They all had lugged frames - although I don't think the entry level bike (Cross-Fit) had a derailleur hanger.
If I was going to take a guess, I would say it was a Criss Cross. Consumer Reports gave it a good rating and Schwinn sold a pile of them because of it.
Is there any evidence of the old paint anywhere on the bike? Maybe inside of the seat tube?