what should i do?

2008 seems to be pretty far. If your creditors sell the accounts to some debt buyers or appoint third party collection agencies, they will be calling you for money like anything. Student debts do not have any SOL, so not paying your student loan won't be a good idea. Moreover, by this time, your credit will become nasty and it will take much time to get back on track.

You haven't discussed about your sources of income. Anyway, debt consolidation could be a relief to you. You can pay all your unsecured bills through this program. Don't get afraid of monthly installments. It is set up as per your affordability.

You can sign up here to receive free counseling. Stay tuned.

ive got a decent job. i make about 28k a year. not the greatest, but it gets me by for now. the student loan isnt that much either. i can take care of that. ive talked to the credit repair place that guarentees (in writing) that they can fix credit. should i look more into that, or just consolidation. but remember, i havent paid anything in years, would consolidation places get ahold of them?

If the account is not sent to court, consolidators will be willing to work with you. Credit repair companies often use the loopholes of FCRA to clean your credit report. And no one can deny the chance of getting the items reinserted.

Consolidation takes care of your credit too. Once all the accounts are paid, the counselor will help you get it updated as paid or paid as agreed. Thus debt consolidation could be beneficial in the long run.