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Question about student loan from 2004

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Scrambled.ego View Drop Down

Joined: 03/October/2019
Location: Vancouver
Points: 2
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    Posted: 04/October/2019 at 5:06am
Hi there,

I graduated back in 2004, and shortly after I came into some mental health issues and was put on permanent disability which was I was not expecting before going into school. I may not have went to school if I had known this would have happened and that I would have been owing.

I know I don't owe a lot, but being on disability and owing anything is enough for me.

I have been in default since 2004 and cannot see my national student loan when I login to CRA, but I can still see my provincial student loan. Both I have not made payments for. I am assuming the BC one still shows up because they would call me and I would answer the phone and maybe that kept the file open? Only this past tax season they took my first income tax refund and my GST cheques. Before that they were not claiming them. So not sure how they kept my file open so long.

Anyway my question is, is my Canada student loan doesn't show up on CRA when I log in does that mean that it has been possibly erased/forgiven?

Also is there anything I can do about my BC student loan? Its not as high as my Canada one was. I am wondering if I would be able to offer them a lower amount. Do they ever take a partial/lower amount if I offer it up front?

Any help would be greatly appreciated. I would really love to get this dealt with so I can work towards building my credit back so I can maybe someday live on my own and not have to worry about credit checks, and many other credit related things.

Thank you in advance!

Kind regards!

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