I have a school loan that is going on 20 years old. It is not on my credit report but i am getting debt collector calls daily. My question is how can i find out if there is a judgment and where it is? If I talk with the collectors will that enable them to start the date of the debt at that time and resubmit it to my credit report?

Also is there a time limit that the debt will go away? Where do i find the public record that would have this judgment?

Comments for SCHOOL LOANS

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Mar 14, 2010
old student loan debt
by: Gerri


Unfortunately, student loan debt is in a class of its own. The book The Student Loan Scam explains how student loans don't offer the same standard consumer protections as other types of consumer loans.

It is my understanding that student loans generally do not have a statute of limitations, and can be pursued for an indefinite period of time. In addition, collection costs can make the debt mushroom.

I would suggest you start by asking the debt collector to send you written verification of the debt. Student loan collection agencies must still follow the FDCPA in their dealings with you.

While you are waiting for the verification of the debt, please at least
read the first chapter of Debt Collection Answers online for free, then also get a hold of a copy of The Student Loan Scam so you can get an understanding of your rights. You should also consider setting up a a free consultation with a bankruptcy attorney who can help you understand your rights with this debt. The attorney can also tell you how to find any record of a court judgment, if there is one.

Please do keep us posted on how this goes for you.

May 25, 2013
Legal separation and spouses school debt
by: Lisa

I am legally separated from husband. Am I still responsible for half his school debt. I beg for him to at least pay the interest and he never gave me any info so I could pay back then. That was 30 years ago.

It's not fair that we filed jointly on the tax return and the gov took the whole thing. Am I responsible for something I never had control of? Plus he never became a lawyer. There was no consideration for me in this debt. Plus I have a court order for child support. Tax return is mine according to court order.

Reply from

Were you a cosigner on his debt? If this was a joint debt then unfortunately you are also liable for it even if he doesn't pay. It also sounds like this is a federal student loan. Is that correct? If so there is no statute of limitations on the debt and they can continue to collect from you.

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