The loan in 2005 should be a non-performing loan now. I can't give you a loan even if I go to a credit union. You are blacklisted, but you have to understand that credit cooperatives can still sue you, and the interest rate in 2005 was still very high, and now the interest may have exceeded the principal. Credit cooperatives generally have policies to collect non-performing loans. As long as you return the principal in full, the interest can be reduced appropriately. It depends on the policy of the local credit union. Please consult and return it right away. The blacklist is no joke.