It used to be that the US Dept. of Education could only collect past due student loans for six years. In 1991 an amendment was passed that lifted that restriction and not only was the restriction lifted, it was refitted. That means student loans that previously had been past their statute of limitations for collection were now back in play for collection.

Then in 1998 a federal law changed the bankruptcy law which made it extremely difficult to discharge student loans in a bankruptcy proceeding, if not impossible.

So what you can do about your student loans?

Consolidation and rehabilitation are two tools in the credit repair bag for student loan debt. Both of these can halt debt collection activity, reduce payments and interest amounts and increase your borrowing ability. Anybody can use these options without restrictions. It is not predicated on credit or income and everybody pays the same low interest rate.