Hi,

I had an accident in april and I suffered brain injury and still am in rehab.  I applied in May or june for Interest relief.  I was approved 4 weeks later and now it is running out and I need to apply again as i am unable to go to work.  since reading all the posts here I am scared if I stay on Ir and use up all of it and i am still not able to go to work and get a job or even finish school.  I had 1 year left to get my ba.  my question is should I be applying for loan forgiveness now? or after 54 weeks which they told my lawyer.  I have loans with rbc, bcsl and csl.  Just what does loan forgiveness means? does it mean that i won't have to pay them until I am no longer disabled? or am I not required to pay at all?  after reading all the posts I am kind of confused.  I don't want them to forgive it and 10 years later having a collection agency coming after me with the money i owed plus all the interest for 10 years. 

One other thing is, the system is messed up.  I was going to public college and after graduating.  I went to a private college.  And when I graduated i called to tell them to send me a IR form and they wouldn't accept saying that they weren't aware of my status.  The last update they had from me was in 2001 and I asked why i have been sending all the forms of enrollment.  The lady told me since I was in private school they the private division does not have access to the public so she said to send the interest that has been accumulated to bring my account up to date if i want ot go on IR or continue school.  I paid that and I went for more schooling and I never faced any challenges.  I am shocked, I didn't pay them for a year and they didn't take me to collection agency.  After reading some of the posts where they have missed one payments and next thing you know Collections is after them.  It was very painful now that I look back after the mess I went through.  Nobody explain to me that there is a public and private division.  Not even the financial aid people in schools know what they are doing and not to forget the bank people.  Based on other people's problems with student loans I think i am very lucky  my account is still in good standing.

Oh another thing, when I was applying for IR after accident.  I went ot the bank and got the ir loan paper for them and the bc student loan.  She said oh just fill these 2 forms and you are all set.  Well I didn't want no freaking problem and I made a call to bcsl and asked them if they received ir papers i filled at the bank and she said we dont deal with the bank. what paper are you talking about?  Now imagine if I did and not made a follow up call to bcsl office.  They told me to go to their website and print a copy and mail them. One thing i can't believe is the form looks exactly like the one bank gave me.  I swear.  Nobody knows this whole student loan system.  It is truly a mess. 

check http://www.aved.gov.bc.ca/studentservices/student/finish/debt_red/bc_ds.htm - http://www.aved.gov.bc.ca/studentservices/student/finish/deb t_red/bc_ds.htm

you might be able to find some answers there.  and the system is messed up on purpose - so we screw up and get the shaft

ill try to dig up more info for you when i have a chance

good luck and keep us posted

sorry my fingers screwed up that link

its

http://www.aved.gov.bc.ca/studentservices/student/finish/debt_red/bc_ds.htm - http://www.aved.gov.bc.ca/studentservices/student/finish/deb t_red/bc_ds.htm

  hard to type with a three year old in your lap

grrrrrrrr

ok so i will try this one more time

http://www.aved.gov.bc.ca/studentservices/student/finish/debt_red/bc_ds.htm - http://www.aved.gov.bc.ca/studentservices/student/finish/deb t_red/bc_ds.htm

i guess i need another coffee after all

ah i give up

just do the http://www.aved.gov.bc.ca - www.aved.gov.bc.ca thing and go from there. 

im going to go and crawl under a rock since i obviously cant type today

Thank you so much.  I will update as to what they tell me to do.

momof2 wrote: ah i give up just do the http://www.aved.gov.bc.ca - www.aved.gov.bc.ca thing and go from there.  im going to go and crawl under a rock since i obviously cant type today