Old style student loan write off date

Mrs_Bood

Hi,

I had mortgage style student loans in 1997, 1998 and 1999. The last of these was paid off (Erudio...yeah, I probably shouldn’t have bothered!), so just the 97 and 98 loans remain. 

First, my understanding is that these loans are written off 25 years after the date the last loan was paid to me- do I have that right? 

If so, in this case where the 1999 loan is already paid off does the write-off date stay at 25 years from 1999, or move to 25 years from 1998, the latest remaining loan? 

So far I’ve never earned enough to have to pay a penny, but I may begin to do so soon. Does starting to pay affect the write-off date? 

Thanks! 

jimbo6977

Starting to pay does not affect the write-off date.

However, NOT paying when a payment is due would mean that the loan NEVER gets written off.