There is no statute of limitations for the collection of federal student loans. However, various programs, such as income-driven repayment plans, may lead to student loan forgiveness after you have met the parameters of the program. However, there is a statute of limitations for private student loans.
The statute of limitations for private student loans is the same as the statute of limitations for a breach of contract. If you have not paid on your student loans for five years or more, you may have a statute of limitations defense to paying your private student loans.