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Hello, I have a loan from Rhode Island that I believe is a private loan that I've just found out that maybe in litigation. I am not sure because I have JUST come back to the country after being an expat for 2 years. I was laid off from my job 2 years ago and decided to leave the country. Those 2 years were spent not worrying about student loans or credit cards and starting a family...but now I'm back and am checking my google voice and it seems I had a call from them 7 months ago about this loan. It's for about 6K I believe, and I took it out in 2006? Is there SOL in RI...even though I am in TX? How do I find out if it's a private loan or a federal backed on? It was not a stafford or a perkins. What is my best course of action? Non of my creditors can find me, as I left and didnt leave an address (although they have my parent's address) and the number on file is a google voice.