Tried school again in September 2008 dropping out in December 2009 due to financial hardship - all paid out of pocket - no assistance applied for at all. Still at this point have never returned calls or acknowledged those old OSAP student loans. Not even sure which address they had on file, had moved so many times since 2004, I was sure they had lost track of me.

Now, being the hopeless wanderer I am, always taking odd jobs just to get by and take me on to the next place, I stopped filing taxes after 2006 - afraid the student loans people would find me. 

Well after 10 years of being the crazy girl I was, I finally settled down with a good man, and we are excitedly expecting a baby come early July of 2015. 

With that comes buy a house and trying to get my financial life in order. I also know that to apply for the “baby bonus” etc, I need my tax information from the previous year. 

Well, I called CRA and asked for all my T4’s to be sent to my house from the last time I submitted taxes, they arrived quickly in a huge package. I was ready to go get my taxes all in order. 

Then I received a letter in the mail stating that CRA plans to take my taxes to apply to a student loan. 

HALT! I am not going to go submit my taxes just to have CRA take the small amount I may receive back, as I am sure they won’t even amount to the interest on my $12000 loan. 

So I have been frantically searching the internet of possible solutions. Can this loan be discharged? I am currently not working, nor will I be eligible for maternity leave and we are living off of my man’s income. 

I did come across an article on theglobeandmail from March 2015 that the Canadian Government is discharging some 300 million worth of defaulted student loans from 2008 and before.

What is my best step next? I don’t want to pay these loans if there is a possibility to have them discharged. Nor do I want to submit my taxes until I know it is my only option, especially because I fear it will restart the “7 or 10 year discharge rule” 

Preferably I do not want to pay them at all. How do I find out if they were discharged by the government automatically? Or find information on what I owe at all - I am sure they have been broken up and sold out at this point, I get harassed by 1800 numbers I refuse to pick up quite often. But with interest, I don't even know what the total amount is I owe. 

Sorry for all the questions, this is very overwhelming and there seems to be an abundance of confusing advice out there.

Thank you in advance for any advice you give!