If you are referring to the statute of limitations for filing a lawsuit and these are definitely private student loans not backed by the federal government, then the AZ SOL for debts based on a written contract is 6 years from the date of default.

See ARS 12-548 at:

http://www.azleg.state.az.us/Arizona...s.asp?Title=12

The date of default is generally the date of the first past due payment that never got paid.

As far as I can tell, the SOL does not stop running during bankruptcy (same link).

So, if your default date is prior to July 2 2008 and the creditor has not filed suit as of yesterday, you are in the clear.

Keep in mind, however, that if you do get sued you would have to file a response and raise the SOL as an affirmative defense. You can't just ignore a lawsuit.