Table: Student Loan Statute of Limitations
| State | Statute of Limitations (Private Student Loans) | Notes |
|---|---|---|
| Alabama | 6 years | |
| Alaska | 6 years | |
| Arizona | 6 years | |
| Arkansas | 3 years | |
| California | 4 years | |
| Colorado | 6 years | |
| Connecticut | 6 years | |
| Delaware | 6 years | |
| Florida | 5 years | |
| Georgia | 6 years | |
| Hawaii | 6 years | |
| Idaho | 6 years | |
| Illinois | 5 years | |
| Indiana | 6 years | |
| Iowa | 5 years | |
| Kansas | 5 years | |
| Kentucky | 5 years | |
| Louisiana | 10 years | |
| Maine | 6 years | |
| Maryland | 3 years | |
| Massachusetts | 6 years | |
| Michigan | 6 years | |
| Minnesota | 6 years | |
| Mississippi | 6 years | |
| Missouri | 5 years | |
| Montana | 8 years | |
| Nebraska | 4 years | |
| Nevada | 6 years | |
| New Hampshire | 6 years | |
| New Jersey | 6 years | |
| New Mexico | 8 years | |
| New York | 6 years | |
| North Carolina | 3 years | |
| North Dakota | 6 years | |
| Ohio | 8 years | |
| Oklahoma | 5 years | |
| Oregon | 6 years | |
| Pennsylvania | 4 years | |
| Rhode Island | 10 years | |
| South Carolina | 6 years | |
| South Dakota | 8 years | |
| Tennessee | 8 years | |
| Texas | 4 years | |
| Utah | 6 years | |
| Vermont | 6 years | |
| Virginia | 8 years | |
| Washington | 6 years | |
| West Virginia | 4 years | |
| Wisconsin | 6 years | |
| Wyoming | 10 years |
Important Notes:
- Statutes of limitations change: Laws can be updated, so always check for the most recent information.
- Applies to the ability to sue: This refers to the lender’s timeframe to sue you in court for unpaid debt. The debt itself generally remains until you pay it, even if the statue of limitation has passed.
- Private vs. federal loans: Federal student loans don’t have a statute of limitations. This primarily applies to private student loans.
Complete list and finding the most up-to-date info
Due to the length of the full list, here are reliable sources to get the information and ensure you’re working with accurate data:
- National Consumer Law Center: They offer a detailed overview of debt collection rights, including student loan statutes of limitations by state.
- [State] Attorney General Websites Search for your state’s attorney general website and look for their consumer protection section where debt collection statutes might be listed.
Additional Considerations:
- Restarting the clock: Certain actions (like making partial payments) can sometimes restart the statute of limitations clock in some states.
- Legal assistance: If you’re facing student loan debt issues, it’s advised to seek legal advice or assistance from non-profit organizations specializing in consumer debt and student loans.
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