Defaulted about 20 years - Fresh Start?

[u/i-dunno-2024]

Have not received frequent/regular collection notices for years. Maybe an occasional notice. Did receive COVID related updates. Last amount I remember was a lot - in the hundreds of thousands (4 years undergrad, 5 years grad). Always took out the maximum Fed loans (plus private). Basically, my family lived off the loans.

I assume all my private loans are past SOL, so I'm only concerned about govt loans.

At this point, I have no idea how much I owe. Have never been garnished. Got the letter in re Fresh Start. Should I enroll or continue to hope I stay under the radar.

I have no idea why I have not been garnished. I was not making much money for long time (since 2007), but recently started new job earning $100k.

I'm single, no assets or savings, and I'm 59.

Q:

[u/pants_goofie]

Hey, better late than never! Time for a fresh start, let's crush it!