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.


  New Posts New Posts RSS Feed - It's NEVER GONE
  FAQ FAQ  Forum Search   Register Register  Login Login


Forum LockedIt's NEVER GONE

 Post Reply Post Reply
Author
Alice Hattie View Drop Down
Newbie
Newbie


Joined: 25/May/2017
Location: Toronto
Points: 2
Post Options Post Options   Thanks (0) Thanks(0)   Quote Alice Hattie Quote  Post ReplyReply Direct Link To This Post Topic: It's NEVER GONE
    Posted: 25/May/2017 at 2:37am


In 2016 I applied for OSAP only to be told that I had an outstanding debt from the late 90's which I know was settled. I was told that if I could obtain clearance from the NSLA or CRA then OSAP would allow me to apply, this in itself is simply a falsehood as I came to realize (and OSAP is fully aware of this)  that neither the NCLA (who only has records from 2000 onwards) nor the CRA and not even the bank (which at the time OSAP program ran through) would provide a clearance letter for a debt that they themselves do not show exists.  My credit shows no outstanding. The bank, The CRA all of them show nothing except OSAP. Who will not take the hold off this "debt" which they have been accruing interest on for 10 plus years until I pay off the interest and make two payments. At which time they will allow me to apply but I have to complete all payments before August in order to be considered for the fall term. 

They claim the debt has been dormant yet accumulating interest since my last payment in 2001/2002

They can not prove the debt had not been paid. The only ppwk they could show me was a statement and a letter sent on my behalf from my mother in 2002.   The reason why this occurred in the first place was when at school I was stricken with Bells Palsy and had to leave due to medical circumstances. My mother was signed permission to handle the ongoing issue because I was too unwell to manage. Western was not willing to return a portion of my tuition because I had passed the deadline, but because I provided documentation that it was a health related with no certainty of recovery they had no choice but to return some of the tuition and open my standings to a medical leave and free to return.  OSAP shows no record of Western returning the portion of tuition and won't investigate "because it's been so long I doubt they will have the records still"  - Yet I'm suppose have mine. 

I was informed that the loan went from the Bank to a collection agency that worked for the bank, back to the bank, back to the CRA then over to a collection department tied with the CRA, and none of those departments forwarded any paperwork along with the file, which find astonishing. 

After three hours on the phone two Friday's ago the gentleman that I was speaking with finally conceded that the timeline and the payments and the lack of ppwk did not add up, and while he felt "really bad" for me he was not going to allow me to apply to OSAP and insisted that this debt be repaid. 

I've paid my taxes, I've had good credit, never in all this time has anyone approached me about this debt, he claims it's because it was dormant/ Bottom line is I can not pay this money, and I've used all my savings to go to school and pay for rent that if I don't get some help I won't be able to finish next year. 
This can't be right. OSAP is not infallible and should not be allowed to have these pop up loans be view as valid simply because they say so admitting that if anyone investigates there would be nothing to show if they were or were not paid. No other department, system or office shows this debt, only OSAP.

I just want to be a community worker. I just want to help others and make our communities, and our social systems empower those that need it so they can be supported and move towards their goals in life, and to think that I may not get the chance to do that because of my own government's refusal to provide financial assistance that could elevate me out of low income status and make me an asset instead of a burden is soo disheartening and much like a lot of the issues with our social systems disempowering devaluating. 

These "loans" don't disappear even when you pay them! The interest is more than what they claim is outstanding.. and they can't produce ANY ppwk other than a stupid letter. I've requested ALL  my files from 1990-2017 from  all the gov offices that were involved, but I don't think it's going to help me out much. It's such BS. 
They are unbelievable. 

Alice
Back to Top
Sponsored Links


Back to Top
 Post Reply Post Reply

Forum Jump Forum Permissions View Drop Down

Forum Software by Web Wiz Forums® version 12.07
Copyright ©2001-2024 Web Wiz Ltd.