<prompt> Human: Please bear with me; Im sort of scared and I may ramble. Thanks in advance for reading.I have finally, at 36 years old, decided to actually deal with my money situation. I know I should not have waited so long, and it fills me with crippling anxiety daily.My situation: I went to college on a series of scholarships and federal loans. I could not get a job in my field until several months after graduation, and having an on-campus job I had to give up after graduation, being rurally isolated, and being plain ragged stupid meant I was making no money for six months.Obviously, student loans came calling for repayment immediately. I was very stupid and scared, and didnt pay them -- not that I had anything to pay them with. Even when I started working in a low-pay entry level position, I could barely pay rent.Wage garnishment followed for several years, of course. I went through a lot of phone calls that terrified me, a few settlements, etc. In all this, I have never had a credit card. My last loan was an auto loan in 2008, from my local-yokel bank that Ive had accounts with since I was a kid meaning they probably didnt even check my credit. I discharged the loan years ago.But still the specter of student loans was there. Its been 13 years since graduation, and I realize how utterly dumb Ive been. First step was admitting it. The next step was facing up to the credit score, which I was sure would be abysmal. But its like that nagging pain in your chest -- just because you dont go to the doctor to get it checked, it doesnt mean there isnt a problem. So I checked it...and it doesnt exist. I have no credit score. All the bills I pay on time, always are in my husbands name. Im not even listed on our mortgage because I was so afraid my debt would put the house in jeopardy.So, questions:Shouldnt I have a score -- even a super terrible one? Why or why not?My debts have been sold off, fractioned, etc. since graduation. How do I track down what I still might owe? I cant pay it if I dont figure out where it is. I dont get bills anymore, but occasionally I get collection calls, which I check into before paying off.If I start building credit now through one of the very well-explained options in the sidebar, thank you so much is it going to cause a problem? Thanks forever from the bottom of my heart for your help. Its a small relief to be starting this. Itll be an intense relief to fix it.  <response>: You may find these links helpful:- Student Loans wiki page- How to handle - Whats the best way to pay down my debt?I am a bot, and this action was performed automatically. Please contact the moderators of this subredditmessagecompose?torpersonalfinance if you have any questions or concerns. 