<prompt> Human: I have 22k in student loan debt from 2004, dont they expire after 20 years? What could actually happen if I just ignore them?Edit - ok, thanks yall  <response>: If theyre Federal loans, theyll garnish your wages and destroy your credit. If theyre private loans, theyll destroy your credit and potentially sue you.They only go away if youre on an income based repayment plan for Federal loans for 20 years. All of the repayment plans for Federal loans make defaulting pretty dumb. 