<prompt> Human: I received a statement from Campus Products and Services for a loan taken out in 1984. I was sure I had paid off all my student loans about 20 years ago.On the statement it indicates my last payment was in 1998, principal balance is 1,654 and due to the 5 interest and fees they are adding the amount due is now 3,598. The statement says account type is Direct which makes me wonder if this is for a NDSL or Perkins loan. It also indicates the name of the university I attended in the 80s as where the account is from.I feel quite certain I paid this loan off, but am also pretty certain I wont be able to find a payoff statement from 20 years ago. I have not received anything else from anyone about this loan in at least 20 years.I know there is no SOL on federal student loans, if thats what this is. How should I approach this? Contact my university? Ignore it? Try to negotiate with someone to reduce the amount?  <response>: It is up to them to prove that you owe, not up to you to prove that you dont: 