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My fiancé has a student loan from almost 10 years ago totaling about $13,000. He has never made any payments on the loan but receives letters from the Department of Education all the time asking for payment in full. I don't want my credit to be messed up because of this but we are not sure where to start. They have never threatened to garnish his wages, but they call all the time. He is under the impression that it is off his credit because it has been over seven years. Also, he thinks that if he starts to make payments then they will report him to the credit bureaus. Can you either dispel or confirm these situations? -Pat
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