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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Forum LockedExperience with RAP as a supply teacher?

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Radagast View Drop Down
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    Posted: 11/February/2011 at 11:49am
Does anyone have any experience with RAP as a supply teacher?

That's my current job, and with my wife off on mat leave and having debts of her own, it's looking a little tight for the summer with no pay. I'll definitely be running up the line of credit as it stands now, but if there's a chance at RAP even for 2-3 months that would be really good...

I know I could call and ask but I've already received blatantly incorrect information about RAP over the phone twice before...
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SolveStudentDebt View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 12/February/2011 at 1:26am
What information did you receive, and who did you receive it from?
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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Post Options Post Options   Thanks (0) Thanks(0)   Quote bulldoglover Quote  Post ReplyReply Direct Link To This Post Posted: 25/February/2011 at 3:20pm
Yes you could very well be eligible. Even though Rap is awarded for 6 month incriments, you dont' technically have to use the entire 6 months.
The trick is to apply in the right month, so you don't need to provide your income amount when you were working. If you keep your loan up to date, and then apply the first month your income drops to just her mat. leave payments you will most likley have an income that will allow 0 payments (as they will take into consideration her student loans as well even if she is on rap, or interest relief herself)
 
There are tables online to calculate what the qualifying income levels are based on family size and payment levels. They also show you what your lower payment would be if you didn't qualify for a 0 payment.
 
I used to work there, so off the top of my head my advice would be this. If your last full paycheck is in May for example. Make sure all your loans are up to date and you make your end of may payments.
 
Apply for Rap from June onwards.

They will advise you to fill out COl 1 with your estimated gross income for both you and your spouse for June.
 
You'll put 0 for you, and her mat payments for your wife's income.  Make sure to specify any student loans she has, and you may have anywhere else. Also make sure your family size is updated to reflect your new addition.

What they wont tell you that is SOOOO Important to have everything run smoothly is DATE THAT APPLICATION FOR A JUNE DATE. No matter what. It actually isn't supposed to be dated the day you sign it, it's not a signature date, it's an application date. If you were to say fill it out late and put July's date after signing your name, or may's date by accident it all goes to pot, and you'll be rejected due to insufficnent proof of income .
 
When you go back to working and recieving a paycheck, you can call and cancell the rap coverage. Or make payments voluntarily until your coverage runs out. The voluntary payments while covered on rap will also go directly to your principal and is a good way to knock off some debt. I always used to advise anyone who was unemployed in the summer to take advantage of this.
 
However beware that as far as i know being on RAP does affect your credit score. I'm not 100% on that but when I worked there I used to recieve a lot of letters from people wanting to cancell their Interest Relief as it was hurting their chances of getting a mortgage etc.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 01/March/2011 at 7:48am

It seems that rejection is more common that not though in that organization. Defaults are starting to spike.

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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