Thank you once again for your time and effort. For the record, they were Stafford loans from Sallie Mae which is a private company, but I always had to complete a FAFSA (federal application for student aid), so does that complicate/change matters? For the record, I filed in 9/05.
I did some research and I thought I read repeatedly that the federal trustee at that TIME, still had the authority to address an undue hardship and discharge student loans. I will keep an eye out for your reply if you have the time again.
I may wait a bit to hear back from you before I contact my attorney. Last question, but how can I access the court records at the federal courthouse? Funny thing, but Transunion and Experian representative basically swore that the updated information from the actual student loan company was the unquestionably truth and for me not to worry. However, I also realize that money is the root of all evil and I will believe it when I see it (I have seen it on 2 credit reports). Take care and happy holidays to everyone!

