THE QUESTIONS:
1 - Which law governs my TERI loans?
2 - What is the statute of limitations on TERI private loans in the state of Ohio and New Jersey?
SERVICE & THE ACTION:
Service of process is dated 2-20-08, but was made to my wife at our marital home on 2-23-08. The action seeks recovery of four promissory notes, dated 12-1-97, 7-21-98,
12-13-01, and 2-13-01.
THE DOCUMENTS:
The docs identify TERI as the guarantor of private education loans under the "Access Group Program." The loan docs state, "the provisions of this promissory note will be governed by federal laws and the laws of the state of Ohio, without regard to conflict of law rules" and that "in this promissory note, acts or practices by [the lender] which are or may be permitted by applicable law are permitted by New Jersey law ... unless prohibited by New Jersey law."
Can anyone offer some assistance in decoding all of this? Thanks.

