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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markomeara View Drop Down
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    Posted: 19/September/2002 at 8:35pm
September 19, 2002

Mr. Dave Cogliati
Director General
HRDC Student Loans Program

Dear Sir,

     I have received a fax today from Sue Canadien advising my that I do not qualify for disability relief. I telephoned her and discussed how this decision was made. Your department caused me to waste a considerable amount of energy on this matter by refusing to tell me what the policy is on disability evaluation. Furthermore, your department kept changing its story.

If I knew a few months ago what the policy was I would not have bothered. I could have saved enormous amounts of stress and doctors appointments and trips to various places to get the information your department demanded. In refusing to provide a copy of policies to me, your department has caused me to waste countless hours and caused severe stress.

Finally, trying to come up with some solution, I asked Sue what I should do about my loans. She said she does not know. I brought the problems with your regulations to Jane Stewarts office over a year and a half ago, but despite her assurances that my concerns would be heard, to my knowledge nothing has been done.

Furthermore, I am trying to find out how the Interest Relief Program cut off amounts were determined, however no one at HRDC seems to be aware of how these amounts were determined.

I would suggest that there are serious problems with your rules and regulations, since I have determined that the only way I can obtain any relief is to kill myself. By committing suicide, my loans would be instantly forgiven and the bank would be paid out.

I think this only goes to show that the regulations were written to protect the banks, not the student clients. I am not considering this option, but it points out the serious lack of help available to people like myself.

Obviously my effort with your department was a complete waste of time, except for the benefit you received of having your own regulations explained to you.

Please advise me as to when the regulations will be reviewed and when changed can be expected.



                              Mark O?Meara
                         

PS: It also frustrates the hell out of me that hundreds of thousands of dollars were sent to Group Action, and the minister of defense hired his ex-girlfriend to write a 15 page report, yet I cant get help with my student loan.
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