I thought I had paid all my student loans off 10 yrs ago 1 month ago I get a phone call a from a CA he was rude, abusive,threatened legal action; wage garnishment. I called DOE they sent me proof that indeed i had not payed on 1 student loan for 2068.00 from 1990 now the the amount is 3700.00 what can I due? Yes I can pay it off but I will not pay a CA not a dime ever again in my life time! Will DOE let me pay them the balance? Will this go onto my credit report it's not there now;has never been on it; my scores are in the 730's it has taken me a long time to get them there and I due not want to have them get destroyed by unpayed collection activity thanks for your help!

If the account is assigned to a CA, you have no option but to work thru the CA....that is the way federal loans work.

It is possible that if this was recently subrogated by the USDOE that it will be placed on your credit report. Going by the age of the loan, this was probably a FFELP loan so at some point in time the DOE took this over.

If your original balance was $2068 there is no way the balance is only $3700 now. With accrued and capitalized interest plus collection fees of up to 25%.

That caught my eye too! I borrowed $7500, paid about $1000 of it before I defaulted in 1989, and before I started rehab in February my total due was around $21,000!!!

You are right they took my tax refund for 2500.00 so infact it was close to 5000.00 know it is 3700.00 still trying to pay nutwill not pay collection agency. Plus this collection agency called my mother and lied to her about who they were and what they wanted said i was looking for a job i'm retired military and have most of my money in investment earnings

one more think if it is 25% collection fees due you think collection agency will take 1% i can make payment plus no reporting on my credit report?

You can rehab with a minimum $50 payment or whatever is agreed is reasonable ad affordable.

CA does not report. Credit reporting on student loans is based on federal law and is not negotiatable.