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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Forum LockedInterpreting flawed regulations correctly

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markomeara View Drop Down
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    Posted: 04/October/2002 at 10:02am
Turns out HRDC is applying the regulations correctly, but the regulations are out of date...

New Letter to Cogliati...
David Cogliati      October 4, 2002
HRDC

     I am writing to challenge the use of your current policy regarding determination of hardship for disability cases. This is a policy case and should be decided by the Justice Department, or unbiased and objective policy analysts, not your Director of Client Services, who does not have the mandate to look at policy.
     The Surplus Income Table regulations were written prior to the changes to Section 178 of the bankruptcy act baring the discharge of student loans. For this reason, the use of these out of date regulations are no longer appropriate, applicable or even reasonable.

This is a further example of regulations that the Task Force on Personal Insolvency referred to as ?draconian and absurd?

The old regulations of the Surplus Income Table treats student loan payments as discretionary spending. Clearly student loans are not discretionary spending as your staff repeatedly states that student loans must be paid back and as per the new regulations in section 178 they are no longer discharged in bankruptcy.

The combination of Industry Canada Regulations, Revenue Canada AND Student Loan regulations must be taken into account in determining the appropriate policy. Furthermore, the Canada Student Financial Assistance Regulations with regard to disability refer to being ?unable to repay the student loan without exceptional hardship? It makes no sense and it is absolutely absurd not include the minimum payment in the determination of eligibility for disability.
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markomeara View Drop Down
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Joined: 30/May/2002
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Points: 186
Post Options Post Options   Thanks (0) Thanks(0)   Quote markomeara Quote  Post ReplyReply Direct Link To This Post Posted: 05/October/2002 at 2:37pm
what really ticks me off about this use of policy is that basically they are saying "when you owe us, student loans repayment is mandatory and must be paid back, but if we are to pay a benefit to you, then student loans payments are discretionary"

Really, really, an unfair practice!
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