I have a similar question.

My wife made a student loan for R10000.00 about 6 and a half years ago. She has since completed her studies. Since starting the loan she never heard from the institution during the entire period, until last year October - 6 1/2 years later.

Her mother wrote a letter enquiring about the fact that the letter requesting payment only came 6 1/2 years later. She did not receive an answer.

This year in July another letter requesting payment arrived now they want R25000.00 - with interest added.

Is it not possible that the payment lapsed in 6 1/2 years?