Negative. That’s how long it takes a bankruptcy to fall off your record. Unresolved debt and debt collectors will hound you until it’s taken care of, and screw up your credit for the duration.

Depends on the state you live in.

First there is the debt collectors ability to sue to collect. This varies by state and the type of debt in the U.S.

https://www.forbes.com/advisor/debt-relief/debt-relief-statute-of-limitations-debt-collection-by-state/

The delinquency is on your credit report for 7 years. After that you can request it be removed.

Federally subsidized student loans have no end date. These can not be discharged. This is the top reason that school tuition rates have skyrocketed. The lenders can loan people with no income vast sums of money little to no risk.

I had a roommate in college who married a citizen of another country. He applied and got approval for a work visa in their spouses native country. Before they left they paid off their federal student loans with credit cards. Something like $20-25K. They also had private student loans of around $10K. They then moved out of the country and went delinquent on the debt. They ended up moving back to the U.S. around 15 years later. By that time their credit report was empty.

It depends on the laws in each country. As long as creditors send reminders of the debt the debt will never disappear in my country. Unless you go personal bankruptcy. And that is both good/bad for you in the future.

In Germany there’s a process that works that way (“Privatinsolvenz”, personal bankruptcy).

They have a vested interest in their borrowers not dying. This manifests as not lending to people at increased risk rather than any kind of protective or preventive action.

Keeping alive and quality of life are different things.

Let me introduce you to:

I wish debt was not allowed