If CSL = a contract, then what is IR?

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   I'm curious if there are any law students lurking 

around here (or anyone else who might be familiar with contract law, for 

that matter) who might have some insight into/ideas about the following 

problem:

Student contracts with HRDC for loan to go to school. Before the student 

does so, student reads all materials related to what can happen to their 

loan after graduating, and understands that s/he has the opportunity to 

apply for IR after they graduate if their income is very low or nil.

When student actually does graduate, s/he applies for IR, as their income 

is still low or nil. Agency contracted by HRDC to administer IR program 

miscommunicates, confuses and deceives student as to how to apply for 

IR properly and completely, and as a result, student is denied IR and 

defaults.

Now, no doubt, the student is still responsible for the default (we sign 

that away in the original contract - that we assume responsibility for any 

errors made, whether our own, or that of the government, its agents, a 

bank, or any other party, etc.). But if IR is advertised prior to signing the 

contract, can it be considered an inducement to contract, and as such 

consideration, or some other sort of obligation on the part of HRDC? I 

don't mean that the government is contract-bound give a student IR, but 

just that they must make the process of applying for it accessible, and are 

responsible for clear and consistent communication about how to apply 

for it.

Thoughts?