They were finally turned over to the State of VA for collections. One day in 1991, I received a call from the state saying I had a defaulted student loan and I needed to pay the entire balance or have my state income tax held. They did with hold my state income tax return in 1992, 1993, 1994, and 1995. They with held my federal in 1994, 1995, and 1996. Sometime between 1994 and 1995 it was turned over to the feds. I stopped working in 1996 due to an injury I sustained while working. I recently attained a copy of my credit report and it shows the loan status: paid/collections account. Collection as of July 1995. This is erroneous I know they withheld money in 1996. This is supposed to stay on my credit report until July 2002. How can I determine the original default date? How can I get this off my CR. I want to pay this debt but, I have no way of knowing what is an accurate balance and what collection companies have tacked on to it.