
Quoting
KeithDoxen
While the OP appears to be gone, what he or she may not have counted on is that student loans are often considered to be promissory notes if they meet the definition of negotiable instruments in the state's commercial code, and depending on how much of the Uniform Commercial Code the state has adopted, the SOL may end up being six years for the student loan, instead of whatever it would be for written contracts. Pennsylvania is one such state that adopted this element of the UCC. It appears the OP's student loan debt is still within the six year SOL for promissory notes, meaning that the OP may be SOL on his or her SOL defense.