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 Request Quebec Student Loan Forgiveness?

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Aquarius View Drop Down
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    Posted: 17/July/2013 at 5:18pm

While completing my PhD in Quebec I took out a loan with the Aide financière aux études. I became ill with a long-term disability during the course of completing my doctorate, having to book off studies frequently. I finally completed my degree after more than ten years. During my communications with a loan officer during one of my frequent disability leaves I was told that there was a provision for loan forgiveness at the Aide financière aux études that I could apply for. I decided not to follow up on her suggestion at that time because I wanted to see how well I would do after completion of my degree. Unfortunately, since graduating more than a year ago I have not been able to find work and consequently, I decided to request loan forgiveness.

 

Despite the helpful loan officers advice years ago I was not able to find any instructions on how to apply for loan forgiveness on the Aide financière aux études website. When I called there no one there seemed to know there that such a thing as loan forgiveness. After much insistence on my part that such a provision exists, one officer reluctantly instructed me to send a medical report (the same kind I used to send while still a student) along with a letter requesting forgiveness. I sent one letter with the medical certificate in April 2013 and received no reply. I sent a follow up letter on June 2013 and again received no reply. Apparently, I was either given incorrect instruction or my request for forgiveness is being ignored.

 

I am not sure which way to turn. My application (if I am doing it correctly) appears to be falling into a black hole while the clock ticks on my loan. Can anyone offer any advice?

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gozonuts View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote gozonuts Quote  Post ReplyReply Direct Link To This Post Posted: 08/November/2013 at 2:16am
Hello,

I am in the same boat, almost, and you will find little help with Quebec on this site. Quebec is 'special' which means you will be hard pressed to find ANY information anywhere on the internet on how to do anything other than just pay your debts - to make things doubly difficult, nothing will be in English either. I have tried to speak to the lovely people at the Quebec loans and it is like talking to a robot (one that hates you for speaking English) and you will just be frustrated and get absolutely no where with them. I have even seen two lawyers on bankruptcy and have gotten the same message - pay the loans, there is nothing you can do.
I have waited the seven years to declare bankruptcy and still no lawyer will help me as they don't want to touch it.
I don't mean to sound bitter and pessimistic, but living in Quebec will do that to a person. I am now just ignoring these bill collectors and they haven't bothered me in two years. I don't know what will happen but I do know I will never pay the loans back. I tried once to make a one time payment equal to 2/3 of the debt and they completely ignored me. I have a feeling that as my last loan is now 15 years ago that they may be toothless and can only threaten now.
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