Was the account in default at any point, and is it a federal loan? If it is federally backed student loan, it will stay with you for the rest of your life until you pay it off. No exceptions. If the account is in collections, and you aren't paying it, it will go into default. This could take 7 years to over a decade to get off of your credit, especially if the status of the loan keeps changing. Student loans aren't like credit card debt where if it goes into collections, it will eventually reach a statute of limitations and fall of your report if it isn't paid off after a long period of time. These things will stay with you until you die, and if it is federally backed, bankruptcy won't even save you.
