The time limit for collection of student loans varies based on the type of loan. If it's a federal loan, there's no statute of limitations, unfortunately. However, if it’s a private loan, there are statute of limitations. Here in Florida, for instance, it’s usually five years for a written obligation. There are times that different state laws might apply. In the contract that you've signed, for instance, a lot of times the creditor will have a different state law apply. One of the things that we do first is initially evaluate what state law applies, to see if our client is beyond that statute of limitations and it is a regular defense that we assert in our cases that ultimately could lead to a dismissal of the case.