Applying for Student Loan Disabilty Relief - Permanent Disability Benefit

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Permanent Disability Benefit

Printed From: CanadaStudentDebt.ca
Category: Government Program Problems
Forum Name: Applying for Student Loan Disabilty Relief
Forum Description: help others going through this crazy process!
URL: https://www.canadastudentdebt.ca/forum_posts.asp?TID=900
Printed Date: 26/March/2026 at 10:30pm
Software Version: Web Wiz Forums 12.07 - https://www.webwizforums.com

Topic: Permanent Disability Benefit

Posted By: manitobakid
Subject: Permanent Disability Benefit
Date Posted: 06/April/2004 at 9:45am

I've got a fair number of student loans, and I'm still a student. I've just found out I have a permanent disability that will likely mean dropping out of school, and render me unable to work. What can I do? I'm married - does my husband's income get factored into the permanent disability calculations? It doesn't seem fair that he should be expected to pay for student loans I took out before we were married. I don't know what to do or who to turn to. A friend of mine was told by debt collectors that she could go to jail if she didn't pay back student loans, is this true? I didn't think that was possible. I'm very scared and confused, can someone tell me if they've been in this situation, or know someone who is or was?

Thanks

Replies:

Posted By: hunter
Date Posted: 06/April/2004 at 11:00am

Don't let the vultures scare you. Trust me I have been there. I too have been told that I could be jailed for non payment, and that they can take my vehicle and blah blah blah. The best one they ever told me is that "they know where I lived". Like duh: they had my address so they should know.

These are just scare tactics, and threats. This is just to scare you into paying what you can not afford to pay. They don't care if you hit someone over the head to get money from, all they care about is getting their money so that they can get a commission.

I think there are forms that can be filled out if one has a disabilty, call the Student Loans Center and ask them.

As for the financial information, I would just report your income and your income only. I too am in a relationship and I only report my income. As my boyfriend has nothing to do with my student loan mess, it was before his time.

Good luck, and don't let the vultures get to you.
If you can pay them $ 10 or whatever, then do so. If you can't then you can't and this is the best that you can do. If they are harassing you, write them a letter and tell them not to.

Good luck....

Posted By: manitobakid
Date Posted: 06/April/2004 at 11:43am

Thanks for the commiseration :) I asked for the forms, they're being sent to me. I had to give three different people my name and SIN to get the form, I can't imagine how complicated all this is going to get ... :(

So it's not possible for you to go to jail? It's not a crime, right, so it shouldn't be. I don't have a car. I think the house is in both of our names, even though I've paid nothing toward it ... what should I do about that, any ideas?

Posted By: hunter
Date Posted: 06/April/2004 at 1:41pm

Things will only get better.

As forthe house, it is better if it is in both names.
They can't touch it.

No having student loans is not a crime.

Even if you had a car, they could not touch it.
It is a secured asset. The car if anything owing on it, belongs to the finance company, the same applies to the mortgage.

You have to live first, this is priority.

You are not the only one out there who is going thru this mess, so don't feel as though you are. There are many of us in the same boat.

I try not to let my student loan problems get to me, because when I do, it makes for a nasty home life, and my current family had nothing to do with my student loans.

Good luck

Posted By: Carmella
Date Posted: 07/April/2004 at 11:06am

Good Luck with the Disability Forms I was diagnosed with Cancer and was going through Chemo theapy for almost 3 years with two major operations, i filled those darn Disability forms out three times and no one at the center has ever seen them and I was passed to collections...i had a collections agent tell me he didn';t care what I had ....They wanted their money, he accused me of lying to him on the phone....They ahve not stopped the harrasment...I asked that he not call me again to have someone else in his office all me or to have his supervisor call me...the calls stopped for awhile and now they are back at it again...all I can say about Disability is Good Luck and keep a copy of everything as they keep terrible records.....