My first loan was in 1979 and I have never had enough income to be required to make a payment (despite a Masters in Computer Science). I believe I have always been on some sort of income based plan. According to the Student Loan website loans are forgiven after 25 years on the income-based plans. Should I have been forgiven by now? Do I have to do something? Is there a way to find out how many years I have left? Does the clock start over if someone switches your income-based plan to a different one (there are several similar plans)?

Mohela, my current provider, said they don't have access to records of my loan before it got transferred to them from Aspire in 2015 (after the phone person spent some time 'digging them up'). The Government Student Loan site does not appear to have any way to contact them on this or anything else, there is just a link to determine who is handling your loan, Mohela in my case. I remember my loan being given to Aspire from the government around 10 years ago, but I'm not sure on this. They were all taken out over the years with the Federal government, no banks were involved. My loan total is now about $110,000.

The best response I got from Mohela was that I would get an email notification (from the Government?) when the 25 years was up, but as I mentioned earlier, my first loan was taken out in 1979, 37 years ago. My last loan was taken out sometime in the 80s. I think the phone person was just putting me off on this.

Mohela still gives me monthly billing statements saying I owe $0.00 payment each month and each year I forward them my fed tax returns (which I always do despite not owing taxes) for my payment calcuation,

  • 2
    It sounds like you may have acknowledged the loan. If so, in most jurisdictions, that resets the timer. Jun 30, 2016 at 16:48
  • 1
    What do you mean by 'acknowledged the loan'. Jun 30, 2016 at 16:51
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    You acknowledged that you had a loan. That means that whatever legalities that would have allowed it to slip off, no longer apply. For example, in some places, if you don't make a payment for a certain period of time, then the statute of limitations allows it to, in essence, disappear. For example, if the statute of limitations is 7 years, and you don't make a payment for those 7 years (even though it is still affecting your credit score), then it will disappear. However, if you contact them, or make even a $0.01 payment on it the day before the 7 years are up, it resets the clock.
    – user27283
    Jun 30, 2016 at 17:45
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    You said income plan...is this a student loan? And was it federal or private? Laws differ tremendously based on such factors.
    – BrianH
    Jun 30, 2016 at 18:21
  • 2
    @Zymus acknowledging the loan has nothing to do with forgiveness
    – iheanyi
    Nov 16, 2017 at 0:18

1 Answer 1


After all this time, I'd suggest pulling a credit report to see if the loan even shows up. If it's there, that means they are still reporting it, and they should have been able to give you details about it.

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