[evaporation-plus]

I believe after 20 years the loan is considered paid up, even if a balance is owed.

[Dilbert San Diego]

But after 20 years, if there is still unpaid principal, then somebody is taking a hit, when the loan is forgiven/written off at that point.

[Mr Rogers]

“I believe after 20 years the loan is considered paid up, even if a balance is owed.”

No. Student debt goes on forever, unless repaid.