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 LockedARO - letter from CRA- 164 (2) taking tax refund

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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 Topic: ARO - letter from CRA- 164 (2) taking tax refund
    Posted: 18/March/2019 at 10:58am
Can you prove in any way that you rely on this tax credit to pay vital expenses that fall into a "greatest necessity or even survival" category? 
Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

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castlinghigh View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote castlinghigh Quote  Post ReplyReply Direct Link To This Post Posted: 14/March/2019 at 8:54am
I received the letter just after jan 2019
before my taxes were done
I just did my taxes- cra has taken the environmental credit (new this year) and will be taking all trillium gst- i do not get a refund because i am on odsp

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Post Options Post Options   Thanks (0) Thanks(0)   Quote kennerman Quote  Post ReplyReply Direct Link To This Post Posted: 12/February/2019 at 10:16am
Did you receive this letter before or after you filled your taxes? good luck.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote castlinghigh Quote  Post ReplyReply Direct Link To This Post Posted: 21/January/2019 at 11:37am
thank you for your  kind offer- I will keep it in mind and this progresses
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Post Options Post Options   Thanks (1) Thanks(1)   Quote SolveStudentDebt Quote  Post ReplyReply Direct Link To This Post Posted: 20/January/2019 at 1:30pm
Section 164 is the set-off rule. If you are on ODSP and can demonstrate that you require this money for survival then you can appeal to them. They will try their best to deter you and keep this money, but a life is a life - and if you do it properly you will succeed. I can coach and navigate you for an hour to help you but there is a small hourly fee for this service. If you cannot afford to then the best thing would be be to approach a free legal service if one exists, or local member of parliament office.  
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 castlinghigh Quote  Post ReplyReply Direct Link To This Post Posted: 19/January/2019 at 9:39am
Can you please explain "can you ally for"?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote castlinghigh Quote  Post ReplyReply Direct Link To This Post Posted: 19/January/2019 at 8:41am
 I have an ont student loan from
25 yrs ago
Today I received a letter from CRA informing me that ARO collection agency for osap w
ill get my tax refund and credits like gst and trillium
I am on odsp and cppd -I need this money for food
Iam 63yrs old- i get 1200 mth on disability- I have MS
CRA said they are
Allowed by them under subsection 164 (2) of income tax act
Manage
 · Reply · 11h
Ramona Holly Prentice
Ramona Holly Prentice Susan Wells can you ally for 
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