Slightly complicated situation, so apologies in advance for the length of the post.

I completed my education at the University of Toronto in June 2010, using OSAP loans. At the time, I was a Permanent Resident in Canada. Soon after, I left to study for another degree in the UK. In the intervening period, I gave up my Canadian PR and no longer hold that status.

Now, due to a mis-communication (and laziness on my part), I have yet to begin repayments for my loans. The loan has now obviously gone to collections. Part of the loan was a federal loan and the other part provincial. I have spoken to the Canada Revenue Agency, and already arranged a repayment plan for the federal loan. As for the provincial loan, it has been passed on to a collections agency, who are suggesting I make the entire repayment in a single lump sum. Is this normally the situation ? I can arrange to pay in installments, but a lump sum might be difficult.

I will also be travelling to Canada in the next couple of weeks on a visit visa. I was assured by the lady at the Canada Revenue Agency that I would face no problems re-entering the country, in spite of my debt. However, the collections agency administering the provincial loan was unable to provide any such guarantees, as it has something to do with crown debt.

Does anyone have any information on this matter ? Any help is appreciated.

Thanks.

Just had another questions in relation to this situation. Was I required to file tax returns for my loans ? I have never worked in Canada and had no income as such. If so, will that impact upon my ability to return to Canada now on a visit visa ? If it does, are there any corrective measures I can take ?

Sorry about all of the questions, and thanks again for your time. 

Thanks for your response, but which question have you just answered. Was I required to file tax returns ? Can I come back to Canada safely ?

Thanks again.