At some point years ago you should have investigated the issue, determined how much you owe, and perhaps made arrangements to pay. As it is, you let it go for years and most likely it has grown by 30 years of interest and fees. You need to do not what you did not do then - contact the proper agencies to get to the bottom of how much you owe, whether payments have been applied, whether you have been charged too much, etc.
You are entitled to an accounting. Ask for an accounting of payments, interest and fees since you originally took out the loan. Good luck!
Be sure to designate "best answer." If you live in Oregon, you may call me for more detailed advice, 503-650-9662. Please be aware that each answer on this website is based upon the facts, or lack thereof, provided in the question. To be sure you get complete and comprehensive answers, based upon the totality of your situation, contact a local attorney who specializes in the area of law that involves your legal problem. Diane L. Gruber has been practicing law in Oregon for 26 years, specializing in family law, bankruptcy, estate planning and probate. Note: Diane L. Gruber does not represent you until a written fee agreement has been signed by you and Diane L. Gruber, and the fee listed in the agreement has been paid.