For loans since 2010.
Not yours.
-edit
How much of a loan have you outstanding OP?
Fees were not that high 12 years ago, there was a maintenance loan part as well, how many years did you complete before dropping out?
You made a suggestion of being 80 to pay it off, but you can't have 42K in a loan from 12 years ago. How much is your outstanding balance?
You could quite easily work it out from my last post, so I will just say >10k.