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 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 have been forced to cancel programs and layoff hundreds if not thousands of full-time and contract instructors.

Again, the Liberal government has messed up the education environment.


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Jon View Drop Down
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Joined: 04/February/2013
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    Posted: 04/February/2013 at 11:14am
Hello, I been looking around for an answer to this question but haven't found much of anything, I am hoping someone here would know the answer.  The gov is demanding larger loan payments from me and is asking for my spouse's income, and while i expect the answer is yes, do they have the right to include her income in the assessment of my ability to pay?  It seems to be an intrusion into our private lives and how we share the bills, not every couple does that, and i borrowed the money before we married, anyway im hoping to pay it once and for all soon, but im hoping not to have my payments jacked up in the mean time.
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SolveStudentDebt View Drop Down
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Points: 5996 		Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 05/February/2013 at 2:47pm
Yes, unfortunately they do base repayment calculations on total household income. The legislation that borrowers under (Canada Student Loans Financial Assistance Act) cites that borrowers must report all income in the household. Their assessment is based on that total.
 
You spouse certainly can raise the argument that she is not legally responsible for your student loans, and the privacy laws in place do protect her and her personal/financial information. Since she is not indebted to them, she can deny the disclosure of her personal information.
 
However the system would respond to that it would be quite interesting to read. I could easily see their response as being: "well, since you are not forthcoming with disclosure of your total household income, we cannot make an assessment to determine any affordable repayment benefits. Therefore, your minimum payment due is (an outrageous amount) and that is that."
 
I have raised this discussion with a number of people over the last couple of years. It is really difficult to say what an outcome will be unless this avenue is pursued.
 
The problem (on top of the many others) is the overlapping laws. The CSLA mandates disclosure of total household income regardless if the spouse is willing to provide it. The privacy law protects people and says that you do not have to disclose private or personal information. Which law supercedes the other. The danger here appears to be somewhat descriminatory here since you (student loan borrower) may be punished financially with long-term hardship and effect, simply because "of the law"
 
In my opinion, a student loan belongs to it's borrower. It does not belong to anyone else, unless it is endosed or co-signed. It's just the government's way of siphoning more money to fuel their machines. Simply put. Broken system. I have been saying and demonstrating it for years.
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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Radagast View Drop Down
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Points: 73 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Radagast Quote  Post ReplyReply Direct Link To This Post Posted: 05/February/2013 at 3:56pm
There is a similar issue with bankruptcy I believe, where the spouse can choose to disclose or not disclose their information, and there is actually a formula for what happens if they refuse to disclose. Obviously that should happen in this case as well, but just as obviously it likely doesn't since this is student loans...
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