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My Wife and Loan forgivness

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hahns View Drop Down
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    Posted: 13/April/2014 at 1:19pm
Hi everyone,

My wife had her provincial and federal loans forgiven because of severe disability about six months ago.

After having surgery she is now feeling better and is no longer bed ridden. She wants to start working part-time (10-12hrs) a week and if she can then full time.

What will happen to that cancelled debt when she files her taxes that show an income? Will they reactivate those forgiven loans?

I am telling my wife not to work, but it would make her happier. I am just worried about having to deal with 25k plus debt again.

Any advice would be greatly appreciated
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hahns View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote hahns Quote  Post ReplyReply Direct Link To This Post Posted: 16/April/2014 at 7:59pm
No ideas?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote administrator Quote  Post ReplyReply Direct Link To This Post Posted: 16/April/2014 at 10:22pm
Go slowly...try some part time work.... I know the temptation to get back to work is strong, but overdoing will make things difficult. 

Perhaps read through the student loan website at canlearn.ca to see what the exact definition  of disability is.   There has been some concern about that.  I don't know of any cases where the forgiveness was reversed, but I have heard that its not actually 'forgiveness' but that the loans are removed from active recovery.

Perhaps volunteering first to see how much work she can handle?


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Post Options Post Options   Thanks (0) Thanks(0)   Quote hahns Quote  Post ReplyReply Direct Link To This Post Posted: 19/April/2014 at 3:06am
Thank you Mark, that was an insightful post.  What does it mean if loans are just removed from active recovery?

I believe the definition for her scenario is that she should be unable to work for the rest of her life. She truly cannot work steadily, as I do not see her symptoms staying in remission for very long, but to her working part time now is important.

The issue is that if she works this year part-time for three months or however long before her symptoms return what will be the consequences. Does anyone know of if it can be reversed or how this is all audited?


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Post Options Post Options   Thanks (0) Thanks(0)   Quote administrator Quote  Post ReplyReply Direct Link To This Post Posted: 20/April/2014 at 7:58pm
I think the rules have changed to "severe permanent disability"  so if she can go back to work, then she would not qualify.   "want to" and "can" are two different things.  I'm not sure if there are any precedents or anything like that here. There is RAP for people with disabilities now, so I'm not sure how this would all play out.   I don't know if the CRA and NSLSC share data with each other so I don't know if your wife's student loan account would be flagged. 

The old wording was something along the line of "restricting your ability to participate in the work force"  which was interpreted to be able to work part-time, but they changed it to severe disability.  

Not sure if anyone here has a definitive answer for you. The govt might not even know.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote hahns Quote  Post ReplyReply Direct Link To This Post Posted: 23/April/2014 at 7:43pm
Thanks Mark...what is this RAP?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote administrator Quote  Post ReplyReply Direct Link To This Post Posted: 23/April/2014 at 8:00pm
RAP = Repayment Assistance Program
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Post Options Post Options   Thanks (0) Thanks(0)   Quote chrisnat Quote  Post ReplyReply Direct Link To This Post Posted: 24/April/2018 at 6:32am
Originally posted by administrator administrator wrote:

I think the rules have changed to "severe permanent disability"  so if she can go back to work, then she would not qualify.   "want to" and "can" are two different things.  I'm not sure if there are any precedents or anything like that here. There is RAP for people with disabilities now, so I'm not sure how this would all play out.   I don't know if the CRA and NSLSC share data with each other so I don't know if your wife's student loan account would be flagged. 

The old wording was something along the line of "restricting your ability to participate in the work force"  which was interpreted to be able to work part-time, but they changed it to severe disability.  

Not sure if anyone here has a definitive answer for you. The govt might not even know.


Hi there, 

Is it possible if my doctor confirmed my sever permanent disability and still I am working, NSLSC approved my application?

also, if I quite, and apply, what will happen if in the future I go to work? Is the illegal? Does NSLSC check if I am at work?

Thanks
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