Student Loan Statute Of Limitations Timelines (By State)

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Brass hourglass beside a stack of old envelopes tied with twine and a blank desk calendar, illustrating the statute of limitations on student loan debt

Key Points

Federal student loans have no statute of limitations, so the government can collect on a defaulted federal student loan at any point.
Private student loans fall under state law, and the standard limit to sue runs from 3 to 10 years, with 6 years the most common.
A payment or written promise to pay can restart the clock in many states, so check your dates before you send money to a collector.

Defaulted private s...

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