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defualting while working as a volunteer

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Forum Name: Archived Urgent Help Needed Posts
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URL: https://www.canadastudentdebt.ca/forum_posts.asp?TID=4179
Printed Date: 27/March/2026 at 2:16am
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Topic: defualting while working as a volunteer

Posted By: zaydmajoka
Subject: defualting while working as a volunteer
Date Posted: 24/March/2007 at 11:25am

Hi, since leaving uni (2006) I have been working as a volunteer with Medecins Sans Frontieres (MSF).
Initially I applied for interest relief and I was granted it for 6 months renewable to a maximum of one year.
I could not contact OSAP or NSLSC during my various missions to renew or find out more information. Recently I got a statement in mail from NSLSC showing:
1) opening balance on 1 jan 06
2) laond forwarded to HRDC, and
3) closing balance of 0.00 (all principal and interest forwarded to HRDC).

QUESTIONS:
1) I am not sure what it means if my loans are forwarded to HRDC.
2) I want to re-apply for loans to start uni again in september but I cannot do so because according to OSAP website I am defaulting. What can I do to apply for more loans to cover for further education?

Replies:

Posted By: katkat
Date Posted: 25/March/2007 at 2:28am

I have a very similar problem. They told me several times that it has to be paid in full or at least a large chunk of it

Posted By: SolveStudentDebt
Date Posted: 25/March/2007 at 11:15am

Unfortunately, all of this means that your student loan is in default and the government now has carriage of the account. It is in collection.

Johnny

-------------
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

http://www.solvestudentdebt.com" rel="nofollow - solvestudentdebt.com

Posted By: zaydmajoka
Date Posted: 26/March/2007 at 8:10am

Thanks, good to have things clear.
Now is it at all possible to apply for more student loans while in default? How do I clear this default status?
Cheers

Posted By: katkat
Date Posted: 26/March/2007 at 12:35pm

Well, I dont know if thsi is the general rule, I am no expert, but when I applied for another loan while in default, they told me it had to be paid in full, not even 1 penny owing. it may be different for someone else, I dont know

Posted By: frustrated-guy
Date Posted: 27/March/2007 at 3:33am

I am not an expert either (contact Johnny he is), but it is my understanding to undefault the loan you need to convince the original lender to take back the loan from the government. I gather this is nearly impossible.

Posted By: SolveStudentDebt
Date Posted: 27/March/2007 at 7:54am

The government may require either:

1) loans be brought up to date, or;

2) payment in full for the defaulted loan(s)

before issuing any new funding.

Johnny

Posted By: zaydmajoka
Date Posted: 29/March/2007 at 4:32pm

Thanks a million esp. to Johnny.

Now who and how do I contact to get my loans up-to-date. I have the toll free 1800 numbers but these can only be reached from within north america.

Cheers