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pogorelichfan
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Topic: Exact wording of new student loan plans... Posted: 23/March/2007 at 11:42am |
Hi everyone,
This is a copy of the text from pages 210 and 211 of the 2007 Federal Budget. Although it was great to hear about improvements to the programme, it seems like they are more concerned with integrating the federal and provincial student loan programmes as opposed to improving the specific circumstances of borrowers: ie interest rates. But perhaps they are being obscure so as to avoid dealing with anti-income contigent loan types.....
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Modernizing and Simplifying Student
Financial Assistance Programs
Currently, students have access to a myriad of supports to finance their post-secondary education, including assistance provided by the federal and provincial governments, as well as private lenders and personal resources. For its part, the Government of Canada makes an important contribution towards helping students deal with the cost of post-secondary education by spending some $2 billion each year through the Canada Student Loans Program and other grants, bursaries, and scholarship programs. This is in addition to federal tax support for students and their families, and the substantial support provided to students through provincial and territorial student aid programs. Although these student financial assistance programs have been effective in supporting access to post-secondary education for hundreds of thousands of learners, students are faced with a patchwork of federal and provincial programs that are often difficult to understand and access. This complexity may keep potential students from obtaining financial help or may even seriously affect their decision as to whether to participate in post-secondary education. Addressing this complexity will become increasingly important as demand for post-secondary education and student financial assistance increases.
In Advantage Canada, the Government committed to working with the provinces and territories to modernize and simplify the administration and delivery of student aid in order to make supports more effective, transparent and predictable. Budget 2007 launches a review of the Canada Student Loans Program (CSLP), in consultation with provinces, territories and stakeholders. The process, to be led by the Minister of Human Resources and Social Development, will result in changes that will be announced in Budget 2008 to simplify CSLP instruments, make them more effective, and ensure integrated administration and efficient delivery.
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SolveStudentDebt
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Posted: 23/March/2007 at 11:45pm |
Hi Pogo, One big problem (on top of ther hundred or so others) is that ther CSLP has been transformed into a "Canadian business incorporated by the government of Canada rather than an affordable gateway to education and economic stability for ther Canadian people. A contribution means that they have given sacrifice of some sort to the borrowing community, which is is not the case. The CSLP has become a lucrative business that brings in a lot of money with no transparency as to how much - or where it is all going.
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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting. solvestudentdebt.com
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SolveStudentDebt
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Posted: 23/March/2007 at 11:46pm |
Secondly, the system created programs that are difficult to understand and access. How can they be EFFECTIVE programs (benefits) if they are difficult, if not impossible to access and understand? This sort of silly nonsense is part of the reason why the default rate is so high. The system turns around and blames the student loan borrower(?) for something that the system itself blundered.
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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting. solvestudentdebt.com
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SolveStudentDebt
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Posted: 23/March/2007 at 11:46pm |
Thirdly, the cost of education combined with the quality of education - especially in the private educational institution.
Fourthly, the cost of education combined with the quality of education in the public educational institution, and the fact that the world is changing economically - and world view is much different.
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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting. solvestudentdebt.com
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SolveStudentDebt
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Posted: 23/March/2007 at 11:55pm |
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Becoming a teacher costs in excess of $55,000.00. The cost of becoming a Chirpopractor can top$65,000.00. The cost of becoming a Registered nurse can top $70,000.00. Securing a teaching position is extremely difficult in Canada due to saturation as well as school closures in various areas. Chiropractors face extreme difficulties in Canada due to both saturation and consumer economic imbalances.
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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting. solvestudentdebt.com
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SolveStudentDebt
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Posted: 23/March/2007 at 11:56pm |
Securing a nursing position in Canada is easy enough - but it appears hardly worth it because of heavy taxation, outrageous workloads and hours drives them all down south of the border (USA). They make more money and have more stable lives down there. We, as a country, are going to be facing a more serious problem in regards to medical care. Doctors and nurses are leaving, and our emergency rooms are filled with patients but only few doctors. The nurses work under excrutiating conditions and the harsh impact on their health and well-being because of this is unimagineable.
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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting. solvestudentdebt.com
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SolveStudentDebt
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Posted: 23/March/2007 at 11:56pm |
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It is not just our student loan system that needs a make-over. This represents only a small wedge in the pie chart of concern.
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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting. solvestudentdebt.com
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Buff
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Posted: 24/March/2007 at 7:33am |
Johnny wrote:
Fourthly, the cost of education combined with the quality of education in the public educational institution, and the fact that the world is changing economically - and world view is much different. |
Ouch. As a teacher at a public post-secondary institution, that hurts.
Not all of us were hired because we wrote books and brought our schools a lot of research money. Some of us actually care about our students and put teaching first.
We didn't ask for government funding cuts.
We didn't ask for growing class sizes. Technically there's a cap, but it's not enforced.
We didn't ask for lower entrance and exit standards.
We didn't appreciate being told to dumb down our classes because the student success rates were too low, thereby making the school look bad, which leads to more funding cuts.
We didn't ask for the continuing crap we receive from administration because we won't dumb down our classes.
We do the best we can with what we have. If you can do better, please do.
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administrator
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Posted: 24/March/2007 at 5:29pm |
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Biff,
I dont think Johnny meant any disrespect to teachers... hope you didnt take it that way... its the government system that is creating the problems.. thats what he's pointing to.
I see the results of the cuts, the higher tuition, the lowered enrollment standards, and the competition for students ....
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Administrator Mark OMeara Author of Let Go and Heal: Recovery from Emotional Pain https://LaughSingWrite.com - http://bit.ly/heal2024
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SolveStudentDebt
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Posted: 25/March/2007 at 6:57am |
I am actually defending teachers by bringing this out. Teachers are inundated with debt, and they suffer greatly. The same goes for nurses and chiropractors as stated above.
Professionals with student debt ratios this high absorb an awful lot of pressure. Teachers are responsible for the eduction and well-being of students they teach. If teachers are burdened with debt troubles and cannot perform in the workplace because of this, it is something that has to be taken seriously by the system. The same goes for those professinals in the medical fields. This group of professionals must be focused and productive at all times becuase the lives and well-being of people depend on them.
You read that one wrong, buff.
Johnny
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SolveStudentDebt
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Posted: 25/March/2007 at 6:58am |
In addition - there are hundreds of teachers that we provide service to - globally, which clearly illustrates that there are serious debt issues.
Johnny
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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting. solvestudentdebt.com
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Buff
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Posted: 25/March/2007 at 9:21am |
Hi guys
Sorry about the rant. It's been a long, frustrating week and I'm short on exercise and sleep, the 2 things that keep me semi-sane.
I probably shouldn't have read this at school either. It often changes how I see things. Yes, it's normal for me to be at school on a Saturday. Hopefully that ends soon. The weather has resembled spring lately, so maybe I can get back on the bike and blades soon.
One of the teachers quit about 10 days ago and the department has been a mess ever since. The school won't hire anyone to take over his classes, so it's been replacement by committee. The only problem is that none of us have enough space in our schedules to take on another class. We can take a period or 2, but not all 3 in a week. These groups now have someone teaching theory and someone else taking the lab and conversation periods.
The guy who quit did nothing with his students, so we now have a month to teach them a semester's worth of material. The advanced group will have a lot of homework, but they'll be ok. The beginner groups are screwed because most of them are extremely weak and there's nothing we can do. We can't give them more class hours in the week or extend their semester. We can't change the exams for them either. It wouldn't be fair to them or to the teachers who get them for their second course. There are certain things they have to learn in their first course in order to have any success in their second.
We've got a meeting tomorrow morning with one of the administration people to discuss this. I'm not too optimistic about the whole thing because I doubt he's set foot in a classroom since his own education ended 30+ years ago.
On top of that, my contract is up at the May long weekend and I don't know what's happening next. I haven't been offered anything for next year. Student numbers are dropping, so less teachers are needed. As the newest one, that means I'm almost certainly gone.
Johnny, I know your post wasn't meant as an attack on me or teachers in general. You're saying that the system is flawed and I agree. It definitely has its problems. However, after giving 10 years of my life so far (4 as a teacher and 6 before that as a volunteer), it's still hard to hear people sl*gging public education.
Maybe it's an age thing. At 28, I'm the youngest in my department by a full 15 years. Perhaps some of the enthusiasm will wear off as I age and I'll stop believing in what I'm doing. Hopefully not though. There's already enough apathy in the world.
Back to your regularly scheduled programming.
Buff
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SolveStudentDebt
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Posted: 26/March/2007 at 12:46am |
Hi Buff,
The public education issue is directed towards the public university, and the fact that they are creating teachers without warning them that they are in for a rough terrain ahead because of the condition of the Canadian educational system. It is not your teaching that I am referring to, you see?
Teachers are coming out of university with little options for acquiring gainful employment. Many people are leaving Canada and that is not in Canada's best interest, of course. However, the system is what causes this.
Johnny
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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting. solvestudentdebt.com
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pogorelichfan
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Posted: 26/March/2007 at 3:15am |
Buff,
All of your comments are great, but let's face it--is there anything more convincing about the state of affairs than simply looking at the cars parked at a public school!!!!!
Teachers all have old Honda civics and the students drive Mercedes!
Somehow I'll need to get a car loan when I finish my teacher's degree--I just find out I only got my line of credit because my student loans hadn't posted on my credit bureau yet! Huh! They didn't know about them! I love technology...!
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pogorelichfan
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Posted: 26/March/2007 at 3:16am |
"simplify CSLP instruments, make them more effective, and ensure integrated administration and efficient delivery."
Does anyone want to guess what this actually means????
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Buff
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Posted: 27/March/2007 at 6:07am |
Johnny, I know you weren't taking a shot at me or my work. You don't seem like that kind of guy. Well, that and I know where to find you...
I know the Canadian post-secondary system is screwed up. I also know that post-sec usually means universities. Even though I'm not the problem, it's still difficult to work at something when I know it's that messed up. That's why I like to hang out in my own little world, imagine that all is good and just ignore the problems sometimes. I guess reality checks hurt.
My apologies again for the rant. As I said, it was a long and crazy week. On the bright side, there are only 6 more of those weeks to go before exams.
I've also heard rumors of a short contract at Dal this summer and I hope it works out. I've only been home for a month or 2 every year for the last 4 years, so I'll take anything above minimum wage if it means a paycheck and time in Nova Scotia.
***** ***** *****
Pogo, you're right about the cars, but it's mostly beaten up minivans around here, not Toyotas. I can't afford both a car and these evil loan payments, so I have only my feet, a Canadian Tire bike and rollerblades that don't get used often enough.
Buff
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SolveStudentDebt
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Posted: 27/March/2007 at 2:29pm |
"simplify CSLP instruments, make them more effective, and ensure integrated administration and efficient delivery."
Sure. This is a rhetorical statement that the government uses as a response when they finally recognize one of their programs is on the fritz.
Johnny
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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting. solvestudentdebt.com
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pogorelichfan
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Posted: 27/March/2007 at 2:44pm |
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The efficiency angle is going to be big!
The Hill Times, March 26th, 2007 By Simon Doyle
Government to review all federal programs: budget
Feds want to evaluate all programs according to objectives, results, and 'priorities of government'Before the release of the 2008 budget next year, the Conservative government will conduct a broad evaluation on the effectiveness of all federal government programs, raising questions from the opposition about how the government is going to define program "results."
Under a short section in last week's budget, titled "Smarter Government Spending," the government proposes to evaluate all government programs according to objectives, results, and "the priorities of the government." Program reviews will begin this spring, Budget 2007 says, the results of which will be reported in the 2008 budget.
"When you're spending taxpayers' money, you want to be sure that you do that in the right way. So I think that it's normal for the government to be responsible for that," Industry Minister Maxime Bernier (Beauce, Que.), a member of the Treasury Board Cabinet Committee, told The Hill Times following the Conservatives' caucus meeting on the Hill last week.
When asked whether the reviews mean some government programs could be cancelled, Mr. Bernier said: "We're going to do an examination, like we did in the past, and that means we're going to spend money where Canadians want us to spend money."
Mr. Bernier said Treasury Board President Vic Toews (Provencher, Man.), chair of the six-member Treasury Board Cabinet Committee, will set objectives and results for programs. "The president of the Treasury Board will do that in a manner that is efficient and productive. It's normal. As a government, it's normal to do that," Mr. Bernier said.
The reviews come as part of the government's new expenditure management system. Under that system, the Treasury Board Cabinet Committee will set objectives and results for government programs, which will be measured by departmental "evaluators." The Conservative government maintains that it intends to keep the rate of growth of program spending below the rate of economic growth.
At the budget lockup last week, a senior government official said the Treasury Board Secretariat will draw conclusions about the effectiveness of programs according to the departmental evaluations. The Treasury Board will then issue performance reports to the Treasury Board Cabinet Committee, the official said, but he could not say whether any of the evaluation or performance reports would be public. After the evaluations are completed this fiscal year, reviews of all government programs will continue on a four-year cycle.
Paul Dewar (Ottawa Centre, Ont.), the New Democrat's Treasury Board critic, welcomed proposals for more efficiency in government, and said such initiatives have been talked about since the Justice John Gomery inquiry into the sponsorship program. But he questions how Cabinet is going to set "results," or benchmarks, which will determine the effectiveness of a program.
Mr. Dewar pointed to the government's tax credits for bus passes, childcare, sports and textbooks, as examples of programs with results that could be measured in multiple ways. "What are we measuring here? Is it the fact that the government got good value-for-money politically, or is it value-for-money for services to Canadians? That's the essence of this. What benchmark are you looking at?" Mr. Dewar said.
Mr. Dewar said input about how to measure the effectiveness of programs should not come from a Cabinet committee but should come from departmental staff directly involved in the programs.
"This government is no different from the previous government. It isn't consulting the people who deliver services. That's the problem for me," he said. "I know that public servants are extremely frustrated that they're not being asked." As examples, Mr. Dewar pointing to the government's cancellation of some climate change programs and the planned sell-off and leasing of government-owned buildings.
Mr. Dewar said that following the emergence of the sponsorship scandal, former Liberal Treasury Board president Reg Alcock "suffocated" the public service by similarly trying to deal with inefficiencies and a perceived lack of accountability in the public service.
Liberal MP Derek Lee (Scarborough-Rouge River, Ont.), a former member of the House Standing Committee on Government Operations and Estimates, said program reviews are a healthy part of governing, and he gives the Conservatives the benefit of the doubt for the time being. Under former prime ministers Jean Chrétien and Paul Martin (La Salle-Émard, Que), he said, the government looked for billions in "efficiencies" every year.
"What the Liberals did was try to find $2-billion of inefficient spending every year and put some pressure on continued inefficient spending, and that was a good exercise," he said. "I hope that they would look for some inefficient spending. But if when they say they're going to do some program reviews, it means they're going to go and gut a whole bunch of programs because they don't like them politically, ideologically, I would regret that very much," Mr. Lee said of the Conservative government.
When asked how one would decide whether a program is effective, Mr. Lee said: "It depends whether you have a right-winger looking, or a middle-of-the-road Canadian looking, because beauty is in the eye of the beholder."
Last month, Wayne Wouters, secretary of the Treasury Board Secretariat, told the House Public Accounts Committee that the government is looking to hire about 200 new evaluators to help in the program reviews.
The senior government official at the budget lockup last week said there are now about 300 such evaluators available government-wide, and that the amount of new evaluators required would not exceed 200. The official said that the evaluators do not require auditing qualifications because they are not measuring financial controls. Their work consists more of statistical analysis and measuring "results," he said.
sdoyle@hilltimes.com The Hill Times
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