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.


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designtarantula View Drop Down
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    Posted: 22/August/2005 at 10:07am

This posting is directed to Johnny or anyone else who can help....

My younger sister was in a terrible car accident in 2004. She has a brain injury and extensive physical injuries. It is doubtful that she will ever work again. She has student loans from 2002/2003. She trained to be a Montessori Teacher (and was in her second year of teaching when the accident occurred.)

I need to give her very simple, clear instructions about what she should do about her student loans. I tried to glean some information from this site, but I was wondering if someone could give me a quick overview of the steps she should take.

Note: I'm sure she qualifies as disabled and has documentation to prove that.

Thank you all so much!

Julia

It's all uphill from here!
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Post Options Post Options   Thanks (0) Thanks(0)   Quote momof2 Quote  Post ReplyReply Direct Link To This Post Posted: 24/August/2005 at 9:15am

julia

she should be able to qualify for some sort of loan foriveness or disability repayment benefit.  there will be two seperate apps to fill out - one for her federal loans, another one for provincial stuff.  her best bet is to contact the financial aid office where she attended school and ask them to help with the application process.  the biggest hurdle will be geting them to accept her disabilities are permanent and that she will be unable to work as a result of the accident.  if she already has documentation stating she is disabled, this will make your battle that much easier.

go to www.aved.gov.bc.ca/studentservices/student/finish/debt_red/f ed_dis.htm for info ont he federal disability benefit.  its a good place to start, and even though the site deals with the province of bc the info for the federal programs is great.  also, you can go online to the province of your residence adn see about other programs that are provincially based that she should qualify for. 

they may give you a hard time since time has lapsed since she was last in school - there is a six month post graduation injury stipulation in the mis, they are lobbying to have this changed.  be advised to not take no for an answer, sometimes an effective letter can give you compassionate grounds to have the loans removed from active collection status and sometimes even have them forgiven.  check under the disability claims help section and see if my template letters are still in the database ( they shoud be) to get an idea of what to say etc...

keep my posted

good luck

 

professionals built the titanic but amateurs built the ark...
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