Student Loans

How Long Till These Student Loans Come Off My Credit Reports?

Written by Steve Rhode


Dear Steve,

I have student loans that are almost 30 years old. They were initially held by ECMC, but have recently been sent to PREMIERE CREDIT OF NORTH AMERICA.

I have had some federal tax refunds taken, but not all.

How long before my loans are written off due to age of the loans?

Also, is it possible to get this off my credit reports?



Dear Mike,

I think I need more detail because those loans that intercepted your tax refunds are federal loans and can last forever and eventually garnish your Social Security wages decades from now.

Those need to be dealt with differently than private student loans you might have as well.

Please give me some more specifics in the comments section below so I can better advise you.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


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