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20 YEARS AGO I HAD A STUDENT LOAN - AFTER MANY MISTAKES, THE LOAN WENT INTO DEFAULT AND I MADE PAYMENT ARRANGEMENTS 10 YEARS AGO. I MOVED TO NEW YORK AND SURPRISE! AFTER 10 YEARS, (6 MONTHS AGO) THE DEPT OF ED ASSIGNED THE LOAN TO A CREDIT AGENCY - I AM NOW BEING HOUNDED BY AN AGENCY THAT SAYS I DID NOT PAY A REMAINDER OF $800.00, WITH INTEREST AND PENALTIES, THE AMOUNT IS ALMOST $2,000. NO ONE, NOT EVEN THE DEPT. OR THE COLLECTION AGENCY HAS THE RECORDS OF PAST PAYMENTS - I BELIEVED I HAD PAID THE DEBT IN FULL ALMOST TEN YEARS AGO. THE COLLECTION AGENCY STATES THERE IS NO STATUTE OF LIMITATIONS, THERE ARE NO RECORDS OF THE PAYMENTS MADE (AS WELL AS RECORD OF A COLLECTION AGENCY IN MASSACHUSETTS I MADE PAYMENTS TO, WHILE RESIDING IN CONNECTICUT). MY THREE QUESTIONS ARE: 1) IS THERE NO STATUTE OF LIMITATIONS, 2) AM I WITHIN MY RIGHTS TO ASK FOR DOCUMENTATION OF PAYMENTS MADE (I CURRENTLY LIVE IN NEW YORK STATE)AND 3) CAN I WORK OUT A 50/50 DEAL ON PRINCIPLE (NOT THE INTEREST, PENALTIES, ETC.) WITH THE DEPT. OF ED. AND BYPASS THIS COLLECTION AGENCY?