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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    Posted: 07/March/2012 at 5:06am
It is possible, yes.
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

solvestudentdebt.com
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ire View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote ire Quote  Post ReplyReply Direct Link To This Post Posted: 07/March/2012 at 4:01am
Hi it is now 2012, does this hardship kit still work? will they forgive the whole of my loan if i can prove hardship?
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Casey View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Casey Quote  Post ReplyReply Direct Link To This Post Posted: 17/November/2007 at 7:09pm
The Hardship Kit has been mention in forum posts but without giving details. (Thank you, Johnny for mentioning this.) I can say it does work. It may or may not turn out the same for you. The Hardship Kit as it is called is a set of forms used for many situations dealing with Canada Student Loans. What is special is what it can do for you. It is for people who are experiencing real difficulties in repaying their Student Loan. It consists of a cover letter, a summary list of documents required,
plus 5 pages of form to fill out, (may not all apply).

These forms are: Education & Employment Information, Financial Questionnaire, Medical Certificate and one to support having no income. You should be sure to provide very complete and through information, along with documentation to support your hardship. How it works will depend on your situation. It can help until your financial position changes or could last indefinitely if you can prove that things will never improve (eg disability).

Your loan is not forgiven but can be removed from collection giving you financial and mental relief. Your situation could still be subject to future review. As with most things dealing with CSLs there is no information, readily available, on exactly how things work.<P>You may have to submit your application more than once. Don't let this discourage you! Also, your Member of Parliament and/or their local office can help you and facilitate speeding up the process. If they try to put you off, tell them that other MPS are helping their constituents. Expect and get their help - they work for you! 

If you have a legitimate claim of hardship, you deserve this help.. insist on getting it!Good luck & don't give up!

You can request the information and forms package from  Canada student loans or download it here: http://canadastudentdebt.ca/hardshipkit.zip

File Info: Name - HardshipKit.zip - file size: 1.4 MB 
Files in the zip are in Acrobat PDF format (1 file per page
Casey . .

"A student loan is like a bad marriage, a lot easier to get ino then it is to get out!"
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