Hi, with the probability that my student loans will be sold on in the near future, I'm after a bit of advice on my position. I'm self employed and have been since 2004, never earning 15000 which I believe is the threshold for repayment on my loans. I've had no statements or other correspondence from SLC since 2008 which is the year I declared bankruptcy. (I know my loan couldn't be included) What I'm concerned about is the possibility that any private company can affect my credit file should they decide to pursue me for repayment. In November this year I'll once again have a 'clean'