This website is a testimony to the problems Canadian Student Loan borrowers experienced from approximately 1996 to 2008 and until their loans were paid off.

The privatization of the Student Loans system by the Chretien and Martin Liberal governments broke the system and defaulted thousands of borrowers who were trying to pay their loans. There were even stories of suicide due to the harassment of borrowers.

Read the report that I prepared back in 2007 here. Canada Student Loans-The Need for Change Fortunately the new Conservative government at the time revamped the program and fixed the system for new borrowers, but borrowers under the previous program were left with ruined credit and continued harassment from debt collectors.

I call on the Canadian Government to apologize to the borrowers affected by this fiasco and make amends.

Unfortunately the Liberal government is again clobbering the Education system with their upcoming changes to International Student Visas. Yes, there's a problem, but instead of a well thought out plan, they have pulled the emergency brake on the train causing a derailment. This has introduced unprecedented instability for both private and public education institutions who serve both international and local students.

Universities can't plan. I've heard of courses being cut because the government has no process in place for universities to send the newly required acceptance letters to the government.

This means that students who have been accepted can not attend courses that start in the summer 2024 semester. With cut sections, current Canadian students will have trouble getting courses, and may have to switch to part-time which changes their enrollment status and might trigger repayment of their loans or ineligibility for funding. I've seen this before. It wreaks havoc on the student loan borrowers.

Again, the Liberal government has messed up the education environment. Will the new system needed in a rush for the acceptance letters be the new Arrivecan scandal?

I call on the government to implement a slower phased in approach and delay the requirement of the acceptance letters until a process is in place to submit these letters.


  New Posts New Posts RSS Feed - My neighbour committed suicide
  FAQ FAQ  Forum Search   Register Register  Login Login


Forum LockedMy neighbour committed suicide

 Post Reply Post Reply Page  12>
Author
nago View Drop Down
Groupie
Groupie
Avatar

Joined: 01/December/2004
Location: Canada
Points: 212
Post Options Post Options   Thanks (0) Thanks(0)   Quote nago Quote  Post ReplyReply Direct Link To This Post Topic: My neighbour committed suicide
    Posted: 19/January/2005 at 2:32pm
We played sports he won trophies we went to univeristy together --he studied really hard i didnt

he couldnt get a job in his field and had big loans

he lost everythng his car, wife left him a couple years ago, he started drinking and stuff, i havent seen him for over a year.

last night he jumped off the bridge

I recommend everyone that is having problems dealing with the crap(their are tons of us) to talk to someone.
http://img152.imageshack.us/my.php?image=2sn9.jpg
Back to Top
Sponsored Links


Back to Top
Islander View Drop Down
Guest
Guest
Avatar

Joined: 07/October/2004
Location: Indonesia
Points: 498
Post Options Post Options   Thanks (0) Thanks(0)   Quote Islander Quote  Post ReplyReply Direct Link To This Post Posted: 19/January/2005 at 3:40pm

Nago, I am truly sorry to hear that. Believe me, I know how it feels.

There is nothing I can say.

What? Me, worry?
Alfred E Newman
Back to Top
Hunter2 View Drop Down
Groupie
Groupie


Joined: 23/October/2003
Location: Canada
Points: 197
Post Options Post Options   Thanks (0) Thanks(0)   Quote Hunter2 Quote  Post ReplyReply Direct Link To This Post Posted: 19/January/2005 at 4:42pm
Nago
I am very very sorry. There are no words :(
Back to Top
kwelmm View Drop Down
Newbie
Newbie
Avatar

Joined: 06/November/2004
Location: Canada
Points: 702
Post Options Post Options   Thanks (0) Thanks(0)   Quote kwelmm Quote  Post ReplyReply Direct Link To This Post Posted: 19/January/2005 at 5:19pm

Nago, my heart goes out to you...that is truly difficult to deal with.

That is very compassionate to prompt others to speak to someone in your time of need!  Take care and know that we care. 

Let me know if you want to talk and we can email.......

Back to Top
whereto? View Drop Down
Senior Member
Senior Member


Joined: 13/June/2004
Points: 292
Post Options Post Options   Thanks (0) Thanks(0)   Quote whereto? Quote  Post ReplyReply Direct Link To This Post Posted: 19/January/2005 at 7:54pm
Damn....


My condolences man.......
Back to Top
momof2 View Drop Down
Member
Member
Avatar

Joined: 15/August/2004
Location: Canada
Points: 792
Post Options Post Options   Thanks (0) Thanks(0)   Quote momof2 Quote  Post ReplyReply Direct Link To This Post Posted: 20/January/2005 at 3:39am

unfortunately nago's neighbour isn't the first and won't be the last to succumb to the pressures of student loans at their worst.  i had a friend in high school jump off a bridge because he didn't get accepted to the university his parents were pushing for - he couldn't face them and did the unthinkable.  too much pressure and any nut will crack.

nago,  you know we are here if you need us. 

professionals built the titanic but amateurs built the ark...
Back to Top
polyhymnia61 View Drop Down
Member
Member
Avatar

Joined: 10/January/2003
Location: Netherlands
Points: 915
Post Options Post Options   Thanks (0) Thanks(0)   Quote polyhymnia61 Quote  Post ReplyReply Direct Link To This Post Posted: 20/January/2005 at 5:16am

nago...

This is just heartbreaking. Hugs to you.

If there is anything positive to come from this, it's that you realized a small glimmer of hope in your own life. That you would be compelled to encourage people suffering from life's sh*te to talk to someone else made me think, "Yeah, go nago. He's being kicked around, but he isn't giving up."

You're a fighter, nago. And you'll be okay...

Poly

Home is where you are allowed to prosper.
Back to Top
hunter View Drop Down
Member
Member
Avatar

Joined: 04/September/2003
Location: Canada
Points: 640
Post Options Post Options   Thanks (0) Thanks(0)   Quote hunter Quote  Post ReplyReply Direct Link To This Post Posted: 20/January/2005 at 6:59am
Nago

My thoughts are with you.
I have had several friends this past year pass away.
Two committed suicide as well.
It is heartbreaking, and I will never understand the reason.

I am praying for you bud.
Keep in touch, we are each other's strength.

Don't keep your hurt inside.
Talk to someone
Reach out

When you need us, we are all here.
You know where to reach us.
Back to Top
BigFatherA View Drop Down
Groupie
Groupie
Avatar

Joined: 21/September/2003
Location: Canada
Points: 253
Post Options Post Options   Thanks (0) Thanks(0)   Quote BigFatherA Quote  Post ReplyReply Direct Link To This Post Posted: 20/January/2005 at 4:54pm
Prayers and Condolences . . 
BigFatherA
Priest & Teacher
non carborundum illegitemi est
Back to Top
KimM View Drop Down
Groupie
Groupie


Joined: 02/June/2004
Location: Canada
Points: 148
Post Options Post Options   Thanks (0) Thanks(0)   Quote KimM Quote  Post ReplyReply Direct Link To This Post Posted: 21/January/2005 at 3:39am

         

A boss at Nortel used to say...don't get mad get even...

Hang in, don't let them get to you....

Very sorry about the loss...

 

Nehemiah 5:7 Then I consulted with myself, and I rebuked the nobles, and the rulers, and said unto them, Ye exact usury, every one of his brother. And I set a great assembly against them.

Back to Top
pretzel_logic View Drop Down
Groupie
Groupie
Avatar

Joined: 15/February/2005
Location: Canada
Points: 70
Post Options Post Options   Thanks (0) Thanks(0)   Quote pretzel_logic Quote  Post ReplyReply Direct Link To This Post Posted: 15/February/2005 at 5:47am

Ain't no bridges high enough... where I come from.

But seriously, you gotta believe that reason will eventually prevail, however slow the process. Last time I checked, we lived under the rule of rational law and such. And I can envision an end to the kind of vicious treatment we experience as consumers. Because we did consume a product, be it in the form of educational services. And often case, ones that were offered by the State or at least government-backed. And all under the promise that an higher education would lead to a better life. The government has its responsabilities in this mess and hopefully ackowledges it. This process of policy rectification seems engaged. 

But man, is it slow... 

In the meantime, hang in there. And know I and others feel your pain.

 

Back to Top
pretzel_logic View Drop Down
Groupie
Groupie
Avatar

Joined: 15/February/2005
Location: Canada
Points: 70
Post Options Post Options   Thanks (0) Thanks(0)   Quote pretzel_logic Quote  Post ReplyReply Direct Link To This Post Posted: 15/February/2005 at 6:16am

Not knowing exactly how to edit my posts, I have to apologize if the opening remark from the last post is deemed insensitive. I did not fully grasp your relation to the deceased when I wrote it, having read too quickly.

And feel awful if any harm was done.

Certainly, none intended. I just wanted to illustrate how suicide is one avenue contemplated at one time or another by many among us.

Again, sorry for the faux pas.

 

Back to Top
100yearstogo View Drop Down
Newbie
Newbie


Joined: 16/February/2005
Points: 5
Post Options Post Options   Thanks (0) Thanks(0)   Quote 100yearstogo Quote  Post ReplyReply Direct Link To This Post Posted: 16/February/2005 at 2:37pm
"When one person dies, it's a tragedy. When 1000 people die, it's a statistic."

I forget who said that.

It seems the government is only interested in statistics.

I've lost a lot of things too, to this abusive system, my life was not amoung them, just by chance, and only by chance.
Younger people reading this should take note and get educated about the law. It's more important than the education you are going in debt to get, because it might save your life, or at least your lifestyle.
Back to Top
lugarou View Drop Down
Groupie
Groupie
Avatar

Joined: 09/February/2005
Location: Canada
Points: 51
Post Options Post Options   Thanks (0) Thanks(0)   Quote lugarou Quote  Post ReplyReply Direct Link To This Post Posted: 16/February/2005 at 4:21pm
The amount of pain and suffering I've done to my wife and children because of my Student Loans and the misery my wife endures every day having to do a job she despises all because I was stupid and "trusted" the loan process. Watching her waste away as her hopes and dreams are forgotten makes me want to stick a gun in my mouth except that my life insurance would be useless in the event of suicide thereby leaving them in greater financial burden (sure my debts can't become theirs but really, can you trust that the collection agents won't try? ).

All I can hope for is a brain aneurism or get mowed over by a drunk driver while taking out the garbage. So yeah, I can understand why someone would do it.
Did I mention I'm a Drama Queen?
Back to Top
lugarou View Drop Down
Groupie
Groupie
Avatar

Joined: 09/February/2005
Location: Canada
Points: 51
Post Options Post Options   Thanks (0) Thanks(0)   Quote lugarou Quote  Post ReplyReply Direct Link To This Post Posted: 16/February/2005 at 4:26pm
Just to be clear, I've always suffered from bouts of depression and thoughts of suicide since I was 12. But since I've also always been a procrastinator I've never gotten around to it. The student loans thing just make the lows so much lower.

Thankfully this website and information has given me the ability to not allow the Collection Agents to prey on my lows. For that I am ever grateful.
Did I mention I'm a Drama Queen?
Back to Top
100yearstogo View Drop Down
Newbie
Newbie


Joined: 16/February/2005
Points: 5
Post Options Post Options   Thanks (0) Thanks(0)   Quote 100yearstogo Quote  Post ReplyReply Direct Link To This Post Posted: 16/February/2005 at 5:48pm
lugarou;
I think that you need to talk to someone before one of your low points gets the better of you. I hope you are already doing that if you feel you need to. I wish you all the best, man. Pressure is one thing, but guilt is another. This is more dangerous. Bankrupcy was invented for people in your situation, (and mine, before the 6 year rule kickked in. - see 19.1 of Canada Student loan Act)

If I may be very bold: you owe it to your wife and children to get out of this. You may owe money to the government (same gov. that gave away $100 Million to ad. firms in Quebec) but you owe it to to your kids to be there; It's not worth the risk, depression is a very real and very dangerous illness, (I've lost too many friends to this} above all it is not something we are wise to deal with alone, it preys on people who feel alone and trapped (not unlike some of the less professional collectors) If you had a heart condition that could kill you if you submitted yourself to stress you would avoid stress. This post is not just for you; the ratio of lurkers to posters is likely 10:1
There is certainly someone reading this that has thought of taking their problems to the bridge. (as I have)

There are people there for you. If anybody reading this feels they can identify with it there is a number on page 2 or 3 of your phone book that will give you someone to talk with. They won't know who you are or what number you are calling from, but they will listen.

It doesn't brand you if you call. You don't have to get the number tattooed on your forehead afterward. You don't have to change your name to "Basket Case". NOBODY WILL EVER KNOW, but you might feel better.

They call it a suicide prevention line or a crisis line, but you AREN'T SUPPOSED TO WAIT UNTIL AFTER the suicide to call!!

I wish all of us stressed out souls all the best.

Please excuse the excessive caps.
---------
Rule #1:
Don't sweat about the small stuff.
Rule #2:
It's all small stuff.
Rule #3:
Money is the smallest of the small stuff, as long as you have enough to eat.
Back to Top
lugarou View Drop Down
Groupie
Groupie
Avatar

Joined: 09/February/2005
Location: Canada
Points: 51
Post Options Post Options   Thanks (0) Thanks(0)   Quote lugarou Quote  Post ReplyReply Direct Link To This Post Posted: 16/February/2005 at 6:47pm
thanks for the advice, 100. Really, because I'm such a procrastinator I haven't topped myself. I came to terms with that a long time ago. What I can't do is not have the "visions", the mind-made scenarios of life being better without me. I look at them as being like migraines. Have them, move on.

Once again, great advice, although I got branded a basketcase a good 30 years ago.
Did I mention I'm a Drama Queen?
Back to Top
SolveStudentDebt View Drop Down
Moderator Group
Moderator Group
Avatar

Joined: 05/November/2003
Location: Canada
Points: 5996
Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 16/February/2005 at 6:47pm

 

lugarou,

 If tyhere is anything you would like me to do for you, let me know.

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

solvestudentdebt.com
Back to Top
CARGO1 View Drop Down
Groupie
Groupie
Avatar

Joined: 13/January/2004
Location: Canada
Points: 422
Post Options Post Options   Thanks (0) Thanks(0)   Quote CARGO1 Quote  Post ReplyReply Direct Link To This Post Posted: 16/February/2005 at 9:52pm

lugarou,

If you need help with anything please do not hesitate to ask.

Troy

              ����The best way to forget your troubles is to wear tight shoes.
Back to Top
lugarou View Drop Down
Groupie
Groupie
Avatar

Joined: 09/February/2005
Location: Canada
Points: 51
Post Options Post Options   Thanks (0) Thanks(0)   Quote lugarou Quote  Post ReplyReply Direct Link To This Post Posted: 17/February/2005 at 5:18am
I'm very grateful for your offers for help.

Truly I have my "urges" under control. Got a few coping methods that have done fine over the years that my wife just dismisses as me being a guy. I've also removed other triggers. I don't drink heavily anymore or go out partying. If anything I can be a resource to those on the edge since I'm sitting there taking in the view.

My coping methods are not without their flaws, however. They usually waste time on their own, e.g. games, or carry their own risks. If it was the only method I'd have been the only guy in Canada to kill himself when the NHL locked out its players .

Honestly, this site and the resources within have allowed me to bash one ugly trigger over the head. In fact I look forward to the CAs calling so I can make them squirm.
Did I mention I'm a Drama Queen?
Back to Top
 Post Reply Post Reply Page  12>

Forum Jump Forum Permissions View Drop Down

Forum Software by Web Wiz Forums® version 12.07
Copyright ©2001-2024 Web Wiz Ltd.