Canada Student Debt : Stress & Mental Health Dealing with Student Loans http://www.canadastudentdebt.ca/ This is an XML content feed of; Canada Student Debt : Stress & Mental Health Dealing with Student Loans : Last 10 Posts Fri, 10 Sep 2010 03:56:29 +0000 Thu, 19 Aug 2010 20:33:35 +0000 http://blogs.law.harvard.edu/tech/rss Web Wiz Forums 9.67 30 www.canadastudentdebt.ca/RSS_topic_feed.asp?FID=18 Canada Student Debt http://www.canadastudentdebt.ca/csdlogo2009.jpg http://www.canadastudentdebt.ca/ Stress & Mental Health Dealing with Student Loans : student loan debt and suicide? http://www.canadastudentdebt.ca/forum_posts.asp?TID=3195&PID=32213#32213 Author: administrator
Subject: student loan debt and suicide?
Posted: 19/August/2010 at 8:33pm

If you need help, please call the local crisis center.  Info is in the front of your phone book.  With help, the abusive collection agent can be stopped from calling at work. 

Make sure you connect with some help and talk to someone.   John can be helpful...

Let us know you're ok.   
]]> Thu, 19 Aug 2010 20:33:35 +0000 http://www.canadastudentdebt.ca/forum_posts.asp?TID=3195&PID=32213#32213 Stress & Mental Health Dealing with Student Loans : student loan debt and suicide? http://www.canadastudentdebt.ca/forum_posts.asp?TID=3195&PID=32210#32210 Author: Johnny
Subject: student loan debt and suicide?
Posted: 19/August/2010 at 10:21am

Do you want some help with this? When you are being bothered by collectors like this it can be stopped, and there is help. If you want to call us to help you can. ]]> Thu, 19 Aug 2010 10:21:21 +0000 http://www.canadastudentdebt.ca/forum_posts.asp?TID=3195&PID=32210#32210 Stress & Mental Health Dealing with Student Loans : Can They Do This? http://www.canadastudentdebt.ca/forum_posts.asp?TID=5891&PID=32207#32207 Author: JustGeneralQuestions
Subject: Can They Do This?
Posted: 19/August/2010 at 6:31am

Hello,

I'm in a Private-Career College, and, I misread OSAP; therefore, it didn't give me enough money for all the tuition.  The VP agreed to give me a promissory note for payments after I'm finished.  So, after 4 months OSAP FINALLY gives me some money, and I want to take my A+ Certification.  So, I asked the VP since we know OSAP will be giving me money right now, can I take my test?  His advice was to pay cash (approximately $264 USD) and he'll take it off the promissory note.  His logic is that the Cert. isn't needed to pass my college, so it's not really needed.  I don't have the money.  So, since I'm not getting my full tuition can he tell me I can't take it with the tuition I have?  Or can I tell him that he has no legal grounds to do that?

P.S: The Cert. money is in my tuition.
]]> Thu, 19 Aug 2010 06:31:50 +0000 http://www.canadastudentdebt.ca/forum_posts.asp?TID=5891&PID=32207#32207 Stress & Mental Health Dealing with Student Loans : student loan debt and suicide? http://www.canadastudentdebt.ca/forum_posts.asp?TID=3195&PID=32206#32206 Author: BN
Subject: student loan debt and suicide?
Posted: 18/August/2010 at 11:44am

I will…  don’t know what to do.  I am being harassed with collection agency’s phone calls at work.  Depressed and thinking about suicide.  Vicious circle, never ends.  I will be getting out of the circle, I had enough.

]]> Wed, 18 Aug 2010 11:44:27 +0000 http://www.canadastudentdebt.ca/forum_posts.asp?TID=3195&PID=32206#32206 Stress & Mental Health Dealing with Student Loans : student loan debt and suicide? http://www.canadastudentdebt.ca/forum_posts.asp?TID=3195&PID=31674#31674 Author: Nabma
Subject: student loan debt and suicide?
Posted: 12/April/2010 at 3:41pm

Tillers, i do not believe that CSl can take that much from your monthly income.  So long as u can justify expenses (aka rent, food, car insurance etc.) They cannot take anything considered necessary to survival. Mind you, in these Weimar republic-like times, u never know how low the government will stoop, or more likely its contractors/proxies will bend the law. The government taking your money that u need to survive is the most evil and corrupt thing we can imagine( robin hood anyone?). BUUUUT when the government hires a contractor, and the contractor bends laws, violates privacy, threatens and intimidates, it is seen as acceptable, and this is double speak that goverment engages in. Any company that hired someone who breaks the law is held accountable for those that they hire. but when the government does it, suddenly all the checks and balances are missing, and accountability goes haywire. That is the reason we are paying exorbitant student loans so nurses and doctors can graduate, move to the states and get the big bucks. ( and not even pay their loans back if they dont plan on moving back to canada). I mean, talk about a system ... err Industry lacking proper checks and balances. I say noone should ever support a corrupt industry. Technically, the best answer is for no student to ever pay back a cent of loans until it changes. Use the governments money hostage against itself]]> Mon, 12 Apr 2010 15:41:41 +0000 http://www.canadastudentdebt.ca/forum_posts.asp?TID=3195&PID=31674#31674 Stress & Mental Health Dealing with Student Loans : student loan debt and suicide? http://www.canadastudentdebt.ca/forum_posts.asp?TID=3195&PID=31673#31673 Author: Nabma
Subject: student loan debt and suicide?
Posted: 12/April/2010 at 3:27pm

I will never concede, i will never cooperate. i was wholly trusting in the education system, until i realized it was not a system at all, but an industry. I was taken advatage of, as were all of u
Perhaps this is not the place to argue Philosophy, but in other countries, investing in the future is seen as beneficial for the greater good of the state. They invest freely in those who desire education. I see this whole student loan mess as a way to get money from people moving to different countries right after they're graduates (the infamous Brain-drain), but this is mostly medical professionals, and i don't see why all other students should suffer because a very few are taking advantage of subsidized education and then splitting.
]]> Mon, 12 Apr 2010 15:27:06 +0000 http://www.canadastudentdebt.ca/forum_posts.asp?TID=3195&PID=31673#31673 Stress & Mental Health Dealing with Student Loans : student loan debt and suicide? http://www.canadastudentdebt.ca/forum_posts.asp?TID=3195&PID=31672#31672 Author: Nabma
Subject: student loan debt and suicide?
Posted: 12/April/2010 at 3:19pm

I felt compelled or obligated to go to school. every single person in the school system said more schooling was the only possible route to get a job. I wanted to work for my first year, but was convinced by many people that school was the best choice. personally i'm Single, no dependants, and no co-sign to my debt. I left school because i became too depressed to do anything. As a classic dude, i have no medical record of this, save for a few prescriptions that i hate. I also hid it from every single person i could, still noone knows about it. I planned on "off"ing myself immediately, but after waiting a bit and thinking about it, i figure life is still good, as long as i am not brought down by those loans. Technically i was 18 when i signed the loans, but was not an adult by a longshot. I don't really give a sh*t if people come after me, i will purge all (reported) income from my lifestyle so noone can take it away. Now i am very poor with all other expenses which are necessities, so my tax returns and other random payments go towards my student laons, but in 3 years of paying over 10,000 to the governemnt, my student loans went UP. yes UP. the interest added on because i wasn't paying regular amounts, so now my 20k student loans are now 20K after paying 50% off. Thats all i need to hear to make a suicidal guy go off the deep end.]]> Mon, 12 Apr 2010 15:19:35 +0000 http://www.canadastudentdebt.ca/forum_posts.asp?TID=3195&PID=31672#31672 Stress & Mental Health Dealing with Student Loans : fear of being audited http://www.canadastudentdebt.ca/forum_posts.asp?TID=5717&PID=31570#31570 Author: debtwazuuu
Subject: fear of being audited
Posted: 22/March/2010 at 4:21pm

Hi, I have two types of student debt, federal student loan and student line of credit from my bank. My bank loan I have no issues with and I am paying it down but I have only made a few payments on my federal loan. I am looking for advice on whether or not I should fear being audited. This is why:

I went back to school last year (university) and I have applied for a canada student loan as a full-time student.   All was fine, but as I began my second semester even with my loan I was finding it impossible to make ends meet, even with a part-time job so I stopped going to university. I did not tell CSL about my turn of events which I now realize I should have. So, when I applied to get interest relief this past summer so that I could focus on paying my student line of credit at my bank, i put that my end of study date was later than it actually was. I am not someone who generally lies, and now I am feeling immensely guilty and fearing being audited and then criminally charged. Is it possible for me to confess my mistake and not be penalized? I suppose I know the answer already, but maybe someone out there has dealt with this before.]]> Mon, 22 Mar 2010 16:21:15 +0000 http://www.canadastudentdebt.ca/forum_posts.asp?TID=5717&PID=31570#31570 Stress & Mental Health Dealing with Student Loans : Bad Credit Student loans http://www.canadastudentdebt.ca/forum_posts.asp?TID=5531&PID=30466#30466 Author: Johnny
Subject: Bad Credit Student loans
Posted: 02/December/2009 at 2:06pm

What is the tuition amount, and what is the term of studies for you? ]]> Wed, 02 Dec 2009 14:06:28 +0000 http://www.canadastudentdebt.ca/forum_posts.asp?TID=5531&PID=30466#30466 Stress & Mental Health Dealing with Student Loans : Bad Credit Student loans http://www.canadastudentdebt.ca/forum_posts.asp?TID=5531&PID=30461#30461 Author: Trish25
Subject: Bad Credit Student loans
Posted: 02/December/2009 at 12:24pm

I know that OSAP is not an option as well as with my current bank, but I will give the college a call and ask my options for sure.
But as far as any Student Loans for those in my paticular situation I can not find one. Confused
]]> Wed, 02 Dec 2009 12:24:23 +0000 http://www.canadastudentdebt.ca/forum_posts.asp?TID=5531&PID=30461#30461