Hello! 
I came across this site and it’s been great to know that there are others that are in the same boat as me. We need to keep sharing our stories and continue to support each other through this process. I have about $30,000 of debt and about $8,000 of it is with Canada Student Loans and the rest of it is with a bank. I applied for interest relief through the NSLSC, I had it approved the first time and so the second time I applied I thought things were going to be ok. The bank approved me for interest relief (I have the documentation) and so I didn’t call back NSLSC (my mistake) to confirm (but it was a stressing experience I wanted to avoid). When I called to re-apply 5 months later, it turns out they hadn’t approved me and my loans were in default for 5 months. So after much haggling and inconsistency of being told what I should do and what paperwork I needed to send and what I had to pay, I was approved for interest relief.  But I know my loans were in default and that it has an adverse effect on my credit rating (I had restrictions when getting a cell phone). I want to dispute and get them to clear up my credit rating, but they are going to say it’s the bank’s fault for putting me on interest relief without their approval. My question is this: if I push the dispute and it is the bank’s fault, would the bank get me to pay the back payments of the months that they mistakenly put me on interest relief? I can’t afford it at this point (hence the reason why I’m on IR). But I also don’t want to leave my credit rating as it is without acting on it. Should I wait until I have enough money to cover me if the bank does ask me for back payments (would take awhile) or would they just chalk it up as their mistake? Thanks so much for your time and any assistance.