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 LockedHow do I know if my loan has been written off?

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Littlebear0321111 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Littlebear0321111 Quote  Post ReplyReply Direct Link To This Post Posted: 31/March/2018 at 4:30am
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Justang View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Justang Quote  Post ReplyReply Direct Link To This Post Posted: 31/March/2018 at 8:32am
How did your loan get written off? How old was the loan? Did they try to contact you with threatening collection methods??
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Post Options Post Options   Thanks (0) Thanks(0)   Quote a.j Quote  Post ReplyReply Direct Link To This Post Posted: 01/April/2018 at 2:06pm
I am wondering the same thing:

I guess I am worried that if I file my taxes they will take my refund and apply it to the loan and I am not
sure if that will reactivate the loan/acknowledge it and start the whole process all over again. I want to find out if my loan can be written off due to the limitation issue. 

My loan is from Ontario and I haven't lived in Canada since 2010 which is the last year I did taxes.  Naturally it was seized, but does that constitute acknowledgement?  I just sent to MTCU in June although I have received no information.  I just saw it when I registered on creditkarma.ca
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SolveStudentDebt View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 02/April/2018 at 5:28pm
If the Mb government is still recovering, and you want to find out if it is statute barred, then you have to do the research and call them out on it if you discover a limitation issue, or the high likelihood of one.  It is tricky, and you have to be VERY careful in your approach to them on this subject. Best thing to do is hire someone if you aren't sure. 

I am not talking any new cases at this time. 
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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Post Options Post Options   Thanks (0) Thanks(0)   Quote benjamin.floss Quote  Post ReplyReply Direct Link To This Post Posted: 07/April/2018 at 12:41pm
Thanks so much for all the work you do here! I'm in a similar boat, here is my breakdown:

- Studied in Alberta, never completed my degree, but my last date of school was in 2010. 
- I have provincial and federal loans. 
- Provincial has gone to the CBV collections agency and I have never acknowledged the debt. 
- Federal Loans have been removed from the NSLSC (so i have no active loans there), and they said they have been returned to the gov. due to lack of payment. 
- For a short time on the federal loan I applied for the repayment assistance program. I can't remember the exact last date of that but it would for sure go no further than 2012. After that I ceased all communication and they do not have my current contact info (and i no longer live in alberta). 

- I have a record of illness that had me on social assistance for 3 years in alberta, as well as a record of unemployment due to illness. I'm currently working towards getting official diagnosis to be able to have something to "prove" my struggle is real. 

- Have only filed my taxes once, when I was 18. I am 30 now. I don't owe any money, but I know any return I get would be taken for the loans. 

I'm really trying to get my life in order because it's hard enough to live with my health problems without the fear of debt, unemployment, wage garnishing, and my return being denied to me.... 

What i'm looking for is information/answers to:
- Am I legally passed the S.O.L for both provincial and federal?  (i'm pretty sure I am based on your info here)
- *how* do I get a professional to review my case and represent me? Can any lawyer write on my behalf to state the S.O.L has passed and therefor the debt is cancelled? 
- If you are not taking new clients, do you have recommendations for anyone else? 
- What is the process/where do you start to go the route of proving that repayment would pose a significant challenge and detriment to health? 


So much gratitude for your work here!
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Post Options Post Options   Thanks (0) Thanks(0)   Quote HelloDaisy Quote  Post ReplyReply Direct Link To This Post Posted: 12/September/2018 at 9:17am
Hello
I had a Federal Student loan, which is on my credit report, with a last tranasction date of October 2012. I haven't lived in Canada since then, and had to default due to health issues. I haven't had a job, so I ignored all the letters and contact that I've received since then. However now I have moved back to Canada and have a job and am wondering if this will soon fall off due to the Statue of Limitations. If I don't acknowledge the debt till October, when 6 years have passed since the last date on it, will it be removed from my credit report? When I File taxes for the first time with an income in Canada on it, will they take my refund, even if it's passed the SOL?
If I send a payment to the CRA/ Employment and Social Development in the next month before it's been 6 years, then I will restart the clock, correct?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Baxter Quote  Post ReplyReply Direct Link To This Post Posted: 20/September/2018 at 1:22pm
Hi Johnny, I was just curious if getting my Transunion report would alert creditors to me as it seems they have stopped calling.

My other question is since it's now close to 8 years for my bc and fed student loan should I do bankruptcy or wait for them to be written off.

Last and finally, was the question ever answered where if I do my taxes will the bc government take my money and re instate my loan? I was living out of the country for some time and HAVNT filed them.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 25/September/2018 at 3:50am
These are not questions that can be simply answered without some serious thought andd analysis really. It requires some research. 


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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Post Options Post Options   Thanks (0) Thanks(0)   Quote Sp3nc3r Quote  Post ReplyReply Direct Link To This Post Posted: 29/April/2021 at 6:53am
Hi Johnny. I was wondering if you are taking on any clients at the moment, or will have an availability any time soon? I have a loan in default since 2005 and sent to collections. I am on disability and really trying to get my life together. I can’t rent a place with my Canada student loan lingering on my report. I was recently told by my counsellor it would be best for my health to get into my own place. But it seems very hard when this is looming over my credit.

Any help would be greatly appreciated.

Thank you

S
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SolveStudentDebt View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 26/May/2021 at 10:11pm
You can reach one of us at https://solvestudentdebt.com/contact/

Please provide as much detail as you can about your loan and what you want to acheive. 

Johnny 
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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