My question involves collection proceedings in the State of: Oregon.

My girlfriend defaulted on her student loans of about $10,000 eight years ago.

I know that these are not federally backed loans, however, they are a student loan so my question is this. (I believe she did say that interest started accumulating on the loans even while she was in school.)

How would one determine if SOL would apply? I believe it is 6 years for promissory notes in Oregon.

She tried to make this right about 4 years ago, but was told if she could give them $3,500 they couldn't even put her on a re payment plan at all. This of course lead her to paying them nothing at all.

And of course now they are threatening all sorts of stuff --and you guessed it she is unemployed.

I know major changes to the law where put in place in 2005 would this apply to her case?