Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - How do I start to pay my student loans after I ran away for 3 years? - I suffered a nervous breakdown and ran away. The creditors called and called, but I managed to live without income. Now, after three years, I went back to my old job and I am earning again. I could declare bankruptcy, but then it will be seven years from now that I get credit again. br I don't want to get sued, but I don't want to suffer from extreme anxiety again . . . br I make decent money, but I don't want to be stuck working like a slave just to pay back loans. It has been eight years since I finished university.