A teenage girl struck and killed by a train in Melbourne’s north-west this morning may have been listening to music through headphones at the time of the accident, police say.

The 15-year-old Cairnlea girl died after she was hit by a V/Line train near Ginifer station on the Sydenham line in St Albans just before 7.45am.

Sergeant Rob Atkinson, from the transit safety division of Victoria Police, said commuters had shouted out to the schoolgirl not to cross the tracks before she was hit.

‘‘Witnesses yelled out for her to stop and she did for a second and then ran across,’’ he said.

‘‘It appears she had earphones on and was listening to her iPhone and might not have heard them, it is just tragic,’’ he said.