Yes it’s a federal loan, never was in default. I did have to place on deferment at one point but other than that I’ve stayed current. I’ve paid off everything but the last remaining few thousand. It is the only debt I have on my credit report. I never finished school because I started a family sooner than I planned & just never went back. I have been paying this off for 21 years. I guess I will be paying it off until I die like you said. I really want to go back to school now that I’m older and my kids are grown, but I’m terrified of adding to my already current debt. I honestly would have never gone to college if I knew I would be stuck with this as long as I have been. I don’t know if I’m eligible for some type of student loan forgiveness or how that even even works, but I guess unless I win the lottery I will be stuck paying for education I never even received
