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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Forum LockedJohn LeBlanc - CFW Group

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basketball_82 View Drop Down
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Joined: 23/April/2008
Location: Canada
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Post Options Post Options   Thanks (0) Thanks(0)   Quote basketball_82 Quote  Post ReplyReply Direct Link To This Post Topic: John LeBlanc - CFW Group
    Posted: 23/April/2008 at 7:49am
My experience with student debt dates back to 2005, when I graduated from university with nearly $35,000.00 in loans, and a job that paid me less than $30,000.00 a year.  It was during that period (following the 6 month interest free period) that I began applying through the NSLC for interest relief, and experienced the worst run-around THREE times over the course of most of 2006.  It was in October 2006 that I finally called the NSLC and learned that my loans has been sent off to collections, and that only 1 of the 3 interest relief applications I had sent actually made it to them, and the other 2 were either 'misplaced' or 'lost.'  I guess it was up to me to call them every hour on the hour to see whether they had my forms?  I suppose they get paid to sit there and do nothing...or so it seems.

Anyways, it was my word against theirs, and 2006 went by with a few calls and letters here and there, whereupon my loans were returned to Social Developoment Canada.  In December 2006 I received a bill-like statement asking for $1,000.00 per month towards my loan(s).  Scared for the fact that this a different department, and not knowing the whole structure and how the gov't works, I sent off a cheque which nearly consumed my entire 'net' income once my rent was paid. 

It was at this point that I began to look around online, came across this site and subsequently visited CFW Group.  I got in touch with John a short time thereafter, and my life has changed ever since.

John not only intervened on my behalf to protect me, stopping the calls and letters, but has since assisted me in negotiating a payment plan on my terms - based on what I can actually afford.  I was overjoyed in fact that the first cheque since the whole ordeal last year was cashed today, so it seems they have accepted my terms.

All the while, John has a great sense of humor, constantly reminds me to relax, and gave me this useful information today:

"If I have taught you anything out of this whole ordeal, it should have been that this apparent 400 lb gorilla  is nothing more than a thirty-pound monkey on your back that needs to be pacified."

Words well spoken from a truly amazing guy!  You owe it to yourself to give John a call (or send him an email...he is extremly quick on the email reply) if you are experiencing any kind of trouble with student loans and need intervention.
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