Andybird - Having just read the original credit agreement (thanks badger, God knows where mine went!) It appears that the debt IS indeed cancelled after 25 years at the most - "provided you are not behind with any repayments under any agreement for a student loan". However considering the SLC's proven track record for conveniently messing things up, I should think that it would be almost impossible to find yourself in this situation anyway! Read section 7 of the credit agreement posted by badger for more details. May The Force be with you all. Fingers PS that was my first post to the forum! Nice to be here.