Archived Urgent Help Needed Posts - Discharged from CP, Loan survived. Need help!

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Discharged from CP, Loan survived. Need help!

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Topic: Discharged from CP, Loan survived. Need help!

Posted By: smerples
Subject: Discharged from CP, Loan survived. Need help!
Date Posted: 21/October/2013 at 9:19am

I have been reading the forum but I want some advice on what to do next.

I have a Canada-Saskatchewan Integrated Student Loan, from 2005 & 2006. The balance is approx. $27,000. I had some severe financial hardship and had to file a consumer proposal to clear my other debts but could not wait for the 7 years to be able to include my loan. My CP was filed in 2010 and I was discharged in January 2013.

Unfortunately, my student loan survived and I immediately started receiving phone calls.

I moved from Vancouver, to Guelph since then (in June 2013) and as such have incurred many expenses from moving. I am unemployed and am in financial hardship currently, even going as far a selling possessions to make the rent. I have not even started getting EI yet.

NSLSC will not give me a break. I asked for some of the loan to be forgiven. Nothing. Their response - keep applying for repayment assistance for then next 14 years and then it will go away.

It is my understanding from reading some of these forums that I can apply for Hardship (178 1.1 application) to have student loans forgiven, since I have been discharged from my CP and it has now been 7 years since my student loan. Unfortunately, when I asked my trustee for help with this, they gave me the run around and have no interest in helping.

I just need to know how to get this done! Please help me anyone who knows.

Replies:

Posted By: SolveStudentDebt
Date Posted: 21/October/2013 at 7:41pm

If you are in hardship then simply demonstrate it and ask that they remove it. filing a section 178 is not going to give you any guarantee of a discharge, they can easily oppose it. If you want to learn more About this you can contact Heather at our office and book an appointment. 866-239-7889.

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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: smerples
Date Posted: 22/October/2013 at 6:08am

They only say I have to keep applying for assistance every 6 months.

I would like to talk to someone, do you have an office in Guelph?

Posted By: SolveStudentDebt
Date Posted: 23/October/2013 at 4:41am

No. We have 2 offices, Halifax and San Francisco, Ca for American clientelle. You don't need to visit our office to receive assistance. You can simply call us and if you require services we can provide from the Halifax location. If you want to inquire about services feel free to call, or write to us using the contact page at http://www.cfwgroup.ca" rel="nofollow - www.cfwgroup.ca . That would be much quicker. We can't provide service though unless you are a client, but we can discuss service details, and whatnot.

Best!