Need to be returned. If the bank didn't ask you for the loan 30 years ago, it should have been directly written off by the bank as a bad debt, but you still have to go to the bank to pay off the debt. If you don't pay it back, you will always be on your credit report. If you have money, go to the bank and pay it back. If the credit report is good for 5 years, there will be no such bad record.