Well, I called the #'s I was supposed to call re: my last IR application.  I asked questions about what happens next ...and thanks to this site, I have a clearer idea of that.  The schools should offer first year credit courses in student loan repayment for free.  Maybe they do by now....I've worked in enough offices to know going in, that everyone will have their own version of the rules.  I'm not panicking because I have time, athough that probably won't matter.  5 years later...I'm still a little confused.  I take out the papers every 6 mths...think I have it straight, and then it's all changed up the next time round.

I have loans prior to Aug/00 and that puppy is huge - accruing interest of $10 a day.  That much I know for certainty.  That loan seems to get tossed around a lot.  Even though one person told me 'the banks aren't involved', they seem very much involved to me.  Maybe they meant the 'after Aug/00' loan...or the Ontario loan?  But some of the Ontario loan is before Aug/00 too. 

The numbers are scary when taken seriously.  And the job title 'Debt Reduction Analyst' (this is someone I may have to talk to) makes me nervous.  Not to worry...I have 6 mth. of relief to go, but this is just the tip of the iceburg I'm sure and time flies...

My question is - I found the Ontario Debt Reduction Monthly Income Table online but there isn't one for the Canada loan portion.  How do they determine entitlement to DR on the Canada loan?  Or do they use the same table?  Or do I go straight into a conversation with the 'Debt Reduction Analyst' ? Such a busy site with so many urgent questions..if someone has the time please.  No rush....

My answer is probably buried in one of these posts somewhere.