The statute of limitations on federal student loans, which was previously 6 years, was repealed by the Higher Education Technical Amendments of 1991 (P.L. 102-26), effective April 9, 1991.

If the statute of limitations has passed on your type of debt for the state you live in, your creditor or collections agency cannot sue you and win a court order to collect on the debts owed.

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The statute of limitations on private student loans ranges from three to 10 years depending on their state of origin. There are ways to get help if your loans are in default or headed for default.