This website is a testimony to the problems Canadian Student Loan borrowers experienced from approximately 1996 to 2008 and until their loans were paid off.

The privatization of the Student Loans system by the Chretien and Martin Liberal governments broke the system and defaulted thousands of borrowers who were trying to pay their loans. There were even stories of suicide due to the harassment of borrowers.

Read the report that I prepared back in 2007 here. Canada Student Loans-The Need for Change Fortunately the new Conservative government at the time revamped the program and fixed the system for new borrowers, but borrowers under the previous program were left with ruined credit and continued harassment from debt collectors.

I call on the Canadian Government to apologize to the borrowers affected by this fiasco and make amends.

Unfortunately the Liberal government is again clobbering the Education system with their upcoming changes to International Student Visas. Yes, there's a problem, but instead of a well thought out plan, they have pulled the emergency brake on the train causing a derailment. This has introduced unprecedented instability for both private and public education institutions who serve both international and local students.

Universities can't plan. I've heard of courses being cut because the government has no process in place for universities to send the newly required acceptance letters to the government.

This means that students who have been accepted can not attend courses that start in the summer 2024 semester. With cut sections, current Canadian students will have trouble getting courses, and may have to switch to part-time which changes their enrollment status and might trigger repayment of their loans or ineligibility for funding. I've seen this before. It wreaks havoc on the student loan borrowers.

Again, the Liberal government has messed up the education environment. Will the new system needed in a rush for the acceptance letters be the new Arrivecan scandal?

I call on the government to implement a slower phased in approach and delay the requirement of the acceptance letters until a process is in place to submit these letters.


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stuffedwolf View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote stuffedwolf Quote  Post ReplyReply Direct Link To This Post Topic: Help!
    Posted: 18/October/2005 at 7:04am
I have been reading your posts on disabilities and student loans. I haven't come across anything simuliar to my problem though. So anyone who can help I would really appreciate it.
Now I am not the person with the disablity, my son is however. I took out my student loans back in 1997. I wanted to go to school to get a better education to support my son and myself. ( i was on assistance at the time). My son started showing serious and harmful behaviours towards himself. I had to take off more and more time to take him to specialists and such. A few years ago I sent the collection agencies a letter from our doctor stating that I couldn't pay back the loans due to the fact that my son had  unforseen medical circumstances. We had no idea what was wrong with him until 2004, when he was FINALLY diagnosed. I can't work because of him. Also I now have two other children.  My loans are still in collections. Can I apply for a disability relief because of my son?
Again any help would really be appreciated.

Hope for the best...Expect the worst.
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momof2 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote momof2 Quote  Post ReplyReply Direct Link To This Post Posted: 22/October/2005 at 3:47am

i am pretty sure that you are unable to qualify for any type of debt reduction on your loans as you are not the person with the disability.  also, since your loans are older, the likelihood of the governemnt giving you any leeway as far as reducing your payments or helping you navigate the system to attempt to have your loans reduced or forgiven is unlikely.  now, depending what province you are in you might be able to gt some additional help.  i can't really give you much advice here, there aren't many details to go on.  you can try the template for disability relief/loan frogiveness ( i forget what i called it, but its under there somewhere), fill it out for your purposes and send it off - it won't hurt, it'll just cost postage.  be prepared for a form letter something along the lines of "when you entered into contract with us to provide funds for you to pursue your studies you agreed to repay your loans in full...tough rocks about your personal life you still owe us kabazillion and three dollars" or something along those lines.

wish i could be more helpful.

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stuffedwolf View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote stuffedwolf Quote  Post ReplyReply Direct Link To This Post Posted: 22/October/2005 at 4:50am
Thanks so much, but I have this feeling you are right. I will try it out anyway, like you said, it can't hurt. Anyway Thanks again!
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emma_chase View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote emma_chase Quote  Post ReplyReply Direct Link To This Post Posted: 17/November/2005 at 7:04am

It sounds like you need specialized legal advice.

Basically, you had family circumstances which thwarted your time/ability to succeed at school, which seems reasonable.

If your MP won't help, how about approaching the HRDC's Disability office?

Or federal gov't ombudsman?

 



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