<prompt> Human: Hey pf,My grandmother just finally paid off her student loans, which is good news, but the means is anything but.My grandparents went to a culinary school in 1994 and eventually had to withdraw because my grandfather had a heart attack.The school closed the next year and when they returned, they had absolutely no idea what to do, so they let it be. The thing is, they each took out three student loans totaling 6,625 on 5241993. One was subsidized and the other two unsubsidized.The repayment period began on 1131995 and the loans defaulted on 5131995. Garnishment began 12 years later, in 8072007. My grandma paid 250 a month, every month since 2007. After some math, that comes to a grand total of 28,750 for a 6,625 loan. My grandpa is still paying his loans at 100 a month. Right now Im trying to get their loans discharged via a permanent and total disability application. Im doing this for my grandma even though she paid off her loans because she might be able to get a partial refund.Learn from them, DONT DEFAULT ON YOUR STUDENT LOANS!tl;dr: Grandma paid over 28,750 for a 6,625 student loan.  <response>: Yep. There is no statute of limitations on federal student loans. The government has the right to garnish your wages, tax refunds, and Social Security until the loan is fully paid off no court order required.If youre having a hard time making the payments on your federal student loans, CALL YOUR LOAN SERVICER IMMEDIATELY and ask about options like deferment, forbearance, extended repayment, or Income Based Repayment. Dont wait until the loans default to ask for help.See also: rstudentloans 