[discostu]

Wasn’t there some level of government paying off those loans? That would be 11 years minimum between the first loan and bankruptcy, so it’s a pretty good bet they ain’t paying ever. That could be reasonable, but of course then you have the government paying off the guarantee of the biggest deadbeats.

[CharacterCounts]

The 7 year time limit started from the day the first payment was due. Generally, first payments became due if the student was attending less than 1/2 time or 6 months after graduation.

IMO, making student loans completely non-dischargeeable (except in case of undue hardship, which is almost never the case) has only enticed a lot of "schools" to push loans to students, resulting in much higher participation rates, and much higher tuition.