First, let’s get this out of the way: I sure made a mess.

I started grad school in 2006 and relied on student loans for all of it. I now have:

* Three federal loans totaling $34,075 ($9,457 , $1,184 and $18,011), all at 6.25 or 6.55 percent interest
* Two private Sallie Mae Signature Loans totaling $28,459 ($9,380 and $19,079), with the smaller loan at 6.25 percent and the larger at 4.75 percent

I had trouble with payments from the start, which were compounded when I was laid off in June 2011. I filed for Chapter 7 bankruptcy in April 2012, and following my discharge, I made an effort to get right with my lenders.

I called the servicers for the federal loans and set up repayment plans, including a rehab on one of them. I am now making regular payments as agreed.

Then I called Sallie Mae and asked to do the same, and they got me set up on payments for the $9,380 loan, and that payment is being made as agreed. I asked if I had another loan with them, and they said no. It sounded odd to me, but I figured they knew better than I, so I let it go.

Today, I pulled my credit report and gave it a good once-over, and sure enough, there was mention of the $19,079 private Sallie Mae loan. It’s listed as a charge-off, which, I now understand, doesn’t mean that they’ve given up on it. The last payment was made in March 2010, and my state has a six-year statute of limitations.

But the thing is, they’re not trying to recoup it, either. I’ve had no calls, no letters—like I said, I even asked them if I had another loan and they said no. I’m not sure what’s going on here, and what my best course of action is.

As I understand it, my options are:

1. Call up Sallie Mae and ask them to find this loan and start some kind of repayment or collection, or
2. Do nothing, and hope the 6-year statute of limitations runs out before they remember about little ol’ me.

I can’t say that I’m particularly upset about negative credit rating consequences. After a bankruptcy and foreclosure, forget about it. I’m just looking forward to some point in time about 6 years in the future. And if I understand correctly, the negative for this loan default will fall off 7 years after the point it went into default—right?

What should I do?

Clarification - the loan in question was charged off in March, 2010. The last payment on it was in September, 2009. Which means I will soon be at the four-year mark of the six-year statute of limitations.