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severe disability

Printed From: CanadaStudentDebt.ca
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Forum Description: In a student loan crisis? Post here for help! Members! Watch for posts and will help out!
URL: https://www.canadastudentdebt.ca/forum_posts.asp?TID=7003
Printed Date: 28/March/2024 at 8:57am
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Topic: severe disability
Posted By: tabcat
Subject: severe disability
Date Posted: 30/January/2015 at 2:17am
Hello! Has anyone here had any experience with the severe disability student loan forgiveness option? I have a severe and life long mental health disability and my therapist would like me to investigate this option. Thank you.


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tabby



Replies:
Posted By: DeeplyDrowning
Date Posted: 03/February/2015 at 1:54pm
I am also interested in hearing about anyone's experience with disability student loan forgiveness as an option. 
After years of dealing with a doctor who does not like to complete forms in a timely fashion, I am feeling completely out of control of my student loan debt. My loan was transferred from NSLSC to HRSDC because it was considered in default when he wouldn't complete the forms in order to qualify for the RAP.
Now HRSDC is after me for repaying the debt as soon as possible, asking for monthly payments of $1,300. I have been receiving disability for over 5 years, and my husband does not work, as he has to help me with daily activities. My prescriptions cost me almost 50% of my 'income', and there is no way that I can afford repayments that high, if any at all.
I have no idea what my options are, or what other people have had experience with. What can they garnish? How can I get repayment assistance through the government collections?
Feeling like I am deeply and completely drowning in this student loan debt. The education that was supposed to give me the career of my dreams, is now giving me nothing more than nightmares!
Please help!
Deeply Drowning


Posted By: angel44
Date Posted: 30/March/2015 at 5:47pm
Hello,

Essentially for you to qualify for the permanent disability loan forgiveness you will need to have a doctor fill out some forms. These forms are, in a nutshell, to indicate that you are not able to work for an extended period of time (essentially the rest of your life).

I don't have direct experience with going through this process myself, but have dealt with several people who have, so it will depend on your doctor.

Further, if you have a doctor that is not willing to fill out forms for you in order to assist you, and you do have a permanent disability, I would personally explore the option of finding a new doctor who will assist you.



Posted By: SolveStudentDebt
Date Posted: 08/April/2015 at 8:05am

If your loan is in default having your loan set aside due to hardship with extenuating circumstances is a lot easier. Ids your loan in default or current? If it is current, then Angle's statements are correct. He/she speaks as an agent of NSLSC or Tricura.

If you are disabled, and cannot secure suitable employment, or are weigh5ted by a huge debt that is not going to get paid in this lifetime (or the next to come), then you have to provide a very in-depth demonstration of the circumstances surrounding your issue of inability and disability.

Shuffling doctors is not productive, and you don't need any reputation damage doing that.

Just remember, the NSLSC is a private organization and NOT the government of Canada. It is Davis and Henderson Income Fund who holds this unique monopoly, less Quebec who has their own system in place. 

D and H is only interested in making money off the government. Keeping you in debt and "happy about that" makes them money.  




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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

http://www.solvestudentdebt.com" rel="nofollow - solvestudentdebt.com


Posted By: chrisnat
Date Posted: 24/April/2018 at 2:20am
Originally posted by angel44 angel44 wrote:

Hello,

Essentially for you to qualify for the permanent disability loan forgiveness you will need to have a doctor fill out some forms. These forms are, in a nutshell, to indicate that you are not able to work for an extended period of time (essentially the rest of your life).

I don't have direct experience with going through this process myself, but have dealt with several people who have, so it will depend on your doctor.

Further, if you have a doctor that is not willing to fill out forms for you in order to assist you, and you do have a permanent disability, I would personally explore the option of finding a new doctor who will assist you.


I am about to apply to for the severe permanent disability. Any idea or experience?

Many thanks


Posted By: chrisnat
Date Posted: 27/August/2018 at 4:50am
Is it really hard to get approved for the severe permanent disability?


Posted By: SolveStudentDebt
Date Posted: 01/September/2018 at 6:54am
Any appeal or request to have a loan taken out due to hardship with extenuating circumstances is complex. You have to give them everything they ask for. 

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Solve Student Debt specializes in solutions for students and graduates in student loan default, and those at risk of defaulting.

http://www.solvestudentdebt.com" rel="nofollow - solvestudentdebt.com



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