Collection of Old - Stats Barred - Loans - 2001-2002 Ontario & Canada student loan

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2001-2002 Ontario & Canada student loan

Printed From: CanadaStudentDebt.ca
Category: Immediate Attention and Info!
Forum Name: Collection of Old - Stats Barred - Loans
Forum Description: Post questions about old loans and Statute of Limitations Issues
URL: https://www.canadastudentdebt.ca/forum_posts.asp?TID=5761
Printed Date: 26/March/2026 at 10:41pm
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Topic: 2001-2002 Ontario & Canada student loan

Posted By: takeahike
Subject: 2001-2002 Ontario & Canada student loan
Date Posted: 25/April/2010 at 6:41pm

I did one year of university in 2001-2002, and received a combined Ontario/Canada student loan of about $11,000. I dropped out of school after completing one year because of financial hardship (taking care of my brother and sister after our mother left us). Since then I've been in and out of work due to ongoing health problems, and have never made a payment on the loan.

Collection agents have tried to contact me a few times over the years, but I don't stay in one home for long and haven't held the same job for more than a year and a half since leaving university. I've never responded in writing to the collection agencies, only spoken to them a couple times on the phone.

The CRA has sent me a letter saying that they're withholding my income tax to pay the debt, but I haven't filed my income taxes in a few years, so I don't know how much they would take.

I have two questions...

1) Would my debt be not-collectable under the statute of limitations, as it's been 8 years?

2) If I file my income taxes and the CRA applies my refund against my student loan debt, does that count as a payment, thus restarting the statute of limitations?

I've tried to find a clear answer on my own, but all I've been able to find is ... well, nothing.

Thanks!

Replies:

Posted By: SolveStudentDebt
Date Posted: 27/April/2010 at 2:04am

1) Hard to say. You have to investigate this. Just because you haven't made a payment over a lengthy time does not mean that uit is state barred.

2) No.

If you want help with this give me a shout.

Johnny

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

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