Thanks for the reply. Would I go by the SOL of the state I live in now, the state where I lived when I took the loan, or the state where the CA is located? I'm debating to get an attorney now, or try the letter of validation first. I just don't want to get myself in a deeper hole since I was so naive back when I took this loan. I wish I had gotten the details of this loan before accepting it. Any advice you can give me is appreciated.

