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 LockedFederal & Provincial (AB) Severe Disability

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SolveStudentDebt View Drop Down
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    Posted: 11/April/2018 at 7:32am
It's certainly a good question. In my experience, if you are forgiven, you are forgiven. If it is out of active recovery, same gig. However, with the feds, they have a policy and that is "if your situation changes, it is your duty to contact them to advise. You MAY be required to commence repayment of that loan." 

Now, if you are back in the workforce, making decent money, and benefiting from the education the crown gave you money for, then it's a no-brainer. You notify them - or risk getting caught. The gambit is real in such a case. 

If you have an engineering degree, and the student loan has been set aside due to hardship, and you want to do what it is that you described, then the likelihood of them snapping your benefit off I think would be slim. But, bear in mind, if you say to them you are unable to work, and you are able to work, that also presents a potential issue. 

Would you like me to try and see what I can find that is more tangible from the system as far as this is concerned?  
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 chrisnat Quote  Post ReplyReply Direct Link To This Post Posted: 10/April/2018 at 3:27am
Originally posted by Birthday Wishes Birthday Wishes wrote:

Hello, I have recently been forgiven for my Federal & Provincial (AB) student loans because of my severe disability. My health condition is not going to heal anytime soon and brought me to my knees, and I am now collecting ODSP. I have good days and bad days, however my self-esteem is really low. My credit rating is below non exsistent because of my student loans. I have been mentally ill since my youth, however I was never accurately diagnosed and treated properly in the hospital until approx, four years back. I am not a young person either and feel hopeless over this situation.
I want to ask, would I be allowed to work one day a week, just for my self-esteem if anybody would hire me and would the CRA collections agency take my student loan forgiveness away?

I know I could never take care of myself financially because of my disabilities, but it sure would be nice to feel that I am contributing. Please provide any information relating to my situation, thank you.

I have the same question. Any update on that?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 01/November/2017 at 4:39am
That is something you will have to ask social development Canada and perhaps the Alberta Student Finance about. They are the ones who hold policy and legislation on those sorts of things. 
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Birthday Wishes Quote  Post ReplyReply Direct Link To This Post Posted: 30/October/2017 at 11:43am
Hello, I have recently been forgiven for my Federal & Provincial (AB) student loans because of my severe disability. My health condition is not going to heal anytime soon and brought me to my knees, and I am now collecting ODSP. I have good days and bad days, however my self-esteem is really low. My credit rating is below non exsistent because of my student loans. I have been mentally ill since my youth, however I was never accurately diagnosed and treated properly in the hospital until approx, four years back. I am not a young person either and feel hopeless over this situation.
I want to ask, would I be allowed to work one day a week, just for my self-esteem if anybody would hire me and would the CRA collections agency take my student loan forgiveness away?

I know I could never take care of myself financially because of my disabilities, but it sure would be nice to feel that I am contributing. Please provide any information relating to my situation, thank you.
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