Note: Registration email issue has been resolved.
  New Posts New Posts RSS Feed - severe disability
  FAQ FAQ  Forum Search   Register Register  Login Login

severe disability

 Post Reply Post Reply
Author
tabcat View Drop Down
Newbie
Newbie
Avatar

Joined: 30/January/2015
Location: toronto
Points: 2
Post Options Post Options   Thanks (0) Thanks(0)   Quote tabcat Quote  Post ReplyReply Direct Link To This Post Topic: severe disability
    Posted: 30/January/2015 at 6:17am
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.
tabby
Back to Top
Sponsored Links


Back to Top
DeeplyDrowning View Drop Down
Newbie
Newbie
Avatar

Joined: 03/February/2015
Location: Tiny, Ontario
Points: 1
Post Options Post Options   Thanks (0) Thanks(0)   Quote DeeplyDrowning Quote  Post ReplyReply Direct Link To This Post Posted: 03/February/2015 at 5:54pm
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
Back to Top
angel44 View Drop Down
Newbie
Newbie


Joined: 23/April/2014
Points: 19
Post Options Post Options   Thanks (0) Thanks(0)   Quote angel44 Quote  Post ReplyReply Direct Link To This Post Posted: 30/March/2015 at 9:47pm
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.

Back to Top
Johnny View Drop Down
Moderator Group
Moderator Group
Avatar

Joined: 05/November/2003
Location: Canada
Points: 5911
Post Options Post Options   Thanks (0) Thanks(0)   Quote Johnny Quote  Post ReplyReply Direct Link To This Post Posted: 08/April/2015 at 12:05pm

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.  


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

solvestudentdebt.com
Back to Top
chrisnat View Drop Down
Newbie
Newbie


Joined: 21/September/2016
Points: 19
Post Options Post Options   Thanks (0) Thanks(0)   Quote chrisnat Quote  Post ReplyReply Direct Link To This Post Posted: 24/April/2018 at 6:20am
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
Back to Top
 Post Reply Post Reply
  Share Topic   

Forum Jump Forum Permissions View Drop Down

Forum Software by Web Wiz Forums® version 11.08
Copyright ©2001-2017 Web Wiz Ltd.