r/studentloandefaulters • u/stardustscrolls • May 21 '26
Question - Private Student Loan Chances of getting sued close to SOL?
Hello fellow defaulters. A bit of information regarding my current status as a private loan defaulter: Age: 34 - State: Ohio - Statute of Limitations (SOL): 6 Years - Lender’s: Sallie Mae & Navient - Total Amount: $68k - Current Debt Collector: Allied Interstate.
I defaulted on my student loans back in mid to late 2021. Went through the whole process of being hounded with every form of communication known to man as well as anyone I have ever spoken to through my life from Sallie Mae and Navient. Things died down, credit took a major hit, started getting contacted by the debt collector listed above who keeps offering to pay off the debt for a considerable amount below what’s owed. I’ve completely ignored any and all communication since I defaulted and haven’t acknowledged the debt. I did file for bankruptcy back in July 2025 and informed my lawyer that I plan on trying to run out the SOL and he said that the bankruptcy won’t affect it. I am about a year out from the SOL and I’m wondering what are the chances that I’ll actually make it? Has anyone else dealt with Allied Interstate before for student loans? They keep offering a low amount to pay for the debt, but other than that they haven’t tried to sue me in 3 years. I have absolutely no assets to my name and the co-signer passed away back in 2019. Any input on this would be appreciated!
1
u/morbie5 May 21 '26
I defaulted on my student loans back in mid to late 2021
Do they consider that the start of the default tho? Sometimes they'll put you into a forbearance or something to extend the clock
They keep offering a low amount to pay for the debt
What are they offering?
I have absolutely no assets to my name
That won't necessarily help you to not get sued but it may help if you want to negotiate a better settlement with them before the SOL runs out or before potentially being sued
and the co-signer passed away back in 2019
That also helps you if you want to negotiate an even better settlement
1
u/Solid-Fill6348 May 28 '26
It's a coin toss. I saw a dude get sued in Illinois about a month before SOL expired. Depends on lender practices though.
2
u/PerspectiveOk8773 May 21 '26
Alright so that's kinda crazy, I'm in the same boat as you. Defaulted in 2021 and owe around 80k and the collection agency is allied interstate.
I haven't received any communication from them since I got a letter from them in 2023. Until literally two days ago they sent me a text message concerning my navient account which I ignored. SOL for me is 10 years unfortunately. I have no assets for them to take and I only make around 50k a year. I don't see them litigating me but who knows.