I could use some help.  I have actually declared bankruptcy and my student loans are actually the only thing I owe.  Although I am currently on Long Term Disability from my company and am supporting 2 children on my own.  I have actually not have had too much trouble except from the collection agency that is collecting for the provincial loan.  I have requested the forms for Medical Loan Forgiveness but they are quite confusing.  My loan is in serious default, like almost 9 years and I just want to clear it up.  I really do not have the resources to pay the 8000.00 dollars back and I really want to fix this because it really is the only real financial problem that I have.  I don't want my kids to have to pay from there inheriance they are 2 and 12 and are going to need all the money they get for there education and upbringing.  CSL has assured me that they will not go after my estate when I die, but who knows?  Does anybody have any suggestions.  I know that the collectors hands are tied because I am on disability but I really would like to get the amount reduced significantly or forgiven.

Robbie

 It is a confusing matter when it comes to filing long-term diasability holds on student loans. You would simply negotiate witht he province to put the account on hold once you substantiate your inability to pay. Sometimes, the provincial government(s) will tell you to communciate these issues with their assigned collection agency, and that is even more frustrating because the colelctors do what they can to collect at the same time.

 Your best bet is to go directly to the province with medical documentation that substantiates the claim, and request that they mail you a long-term disability kit that you would file inthe same way as with the CSLP.

 As for debt reduction, I don;t know if you would qualify. The province that holds the loan will be able to tell you what your options are. The collection agency will probably tellyout hat you do not qualify. Contact the province for this type of matter.