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					                                                     CANADA STUDENT LOAN 12       DEBT RELIEF




Can’t pay your Canada Student Loan?
Is the government keeping your GST or Tax Rebate as pay-
ment on your loan? Is the stress of interest and penalty
charges on your debt hurting your health? Is a Collection
Officer calling you all the time?

You can apply to have your debt set cancelled if you are permanently
disabled and your disability affects your lifetime earning potential.




      B C P WA Actionkits   JUNE 2001
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                                                       CANADA STUDENT LOAN 13        DEBT RELIEF

 STEP 1 Gather the following              STEP 5 Make a photocopy of
important information.                   everything you plan to send, for your
• Proof of Income (like a welfare
                                         records.
                                         You may wish to drop off a copy to
  stub or bank statement).
                                         your advocate, if you have one.
• Last Canada Student Loan bill
  with the balance on it.                 STEP 6 If a Collection Agency or
  You can ask for a statement call       government collection officer has
  1-888-432-7377 option 0.               been calling you to collect your debt,
• A list of the reasons why you
                                         it is a good idea to write a cover letter
  can't pay your Canada Student
                                         explaining that you have asked for
  Loan. This will help with the
                                         debt relief and ask the Collector to
  paperwork.
                                         stop calling. See page 5.

STEP 2 Write a letter to the Canada       STEP 7 Waiting for the Canada
Student Loans Program.                   Student Loan Program decision can
Your letter will inform Canada
                                         take more than 6 months.
                                         How will you know if the debt has
Student Loans that you are seeking
                                         been set aside or cancelled?
debt forgiveness and that you are
requesting them to send you the          • They may call or write for more
necessary forms for your                   information
request. See page 3.
                                         • They may call or write to tell you
                                           your debt is set aside or can-
 STEP 3 Complete the forms when
                                           celled.
you receive them.
                                         • They may stop billing you and                 Check out
 STEP 4 Before mailing your package        not tell you.                                 the website:
review this checklist.                                                                   www.canada.gc.ca
                                         • They may call or write to tell you
Have you included the following
                                           your request was denied.
documents in your envelope?
u A Cover Letter. See page 4              STEP 8 If you have not heard from
u All the necessary forms mailed to
                                         them after waiting 6 months you can
  you.
                                         write a letter asking for an of your
                                         request.

                                         STEP 9 If they say “NO” contact an
                                         advocate.




       B C P WA Actionkits   JUNE 2001
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                                                            CANADA STUDENT LOAN 14      DEBT RELIEF


Your Legal Name
Current Street Address
City   Province Postal Code

Date
                                                                                            Request for
Canada Student Loans Program                                                                forms letter
Student Assistance Directorate
PO Box 2090, Postal Station "0"
Ottawa, Ontario K1P 6C6

Dear Sir or Ma'am
                                                                                            Copy this letter
Re: Your name          SIN number                                                           by hand or by
                                                                                            computer and fill in
Student Loan Amount Overdue amount of loan
Interest amount of interest                                                                 the shaded areas
Total Amount Due total of both above                                                        with the information
                                                                                            needed.
I am asking to be considered for relief from my Canada Student Loan debt because I
am permanently disabled by HIV/AIDS disease.

I am unable to pay the debt because of circumstances beyond my personal control. I
am unable to work and I am suffering financial hardship and a life threatening termi-
nal illness. I make my request on compassionate grounds for my debt to be can-
celled.

I also suffer the following symptoms that are related to my HIV/AIDS disease and the
medications that I have to take: List the symptoms you experience such as
nausea, vomiting, diarrhea, muscle pain, joint pain, dry mouth, dry skin,
itching, dry scalp, headaches, back pain, peripheral neuropathy, dizziness,
blurred vision, stomach cramps, dental problems, lack of appetite, wasting
syndrome, gastrointestinal problems, day or night seats, confusion, lack of
concentration, etc.

In addition, I have other illnesses such as:
 List all your other medical problems such as hepatitis, diabetes, anxiety,
depression, infections, herpes, thrush, etc.

I am requesting that you send the necessary documents to me to apply for cancella-
tion of my debt.

Thank you for your assistance. If you have any questions please contact me at
number.

               Yours truly ,
               your name




        B C P WA Actionkits    JUNE 2001
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                                                     CANADA STUDENT LOAN 15       DEBT RELIEF




Your Legal Name
Current Street Address
City       Province Postal Code
Date                                                                               Cover letter
                                                                                   for the
Canada Student Loans Program                                                       completed
Student Assistance Directorate                                                     application
PO Box 2090 Postal Station "0"                                                     package
Ottawa, Ontario K1P 6C6

Dear Sir or Ma'am,
Re: Your name      SIN number
Student Loan Amount Overdue amount of loan
Interest amount of interest
Total Amount Due total of both above

I am applying for my student loan to be set aside and all the interest
and penalty charges be cancelled. I have enclosed the following                    Copy this letter
                                                                                   by hand or by
documents:
                                                                                   computer and fill in
                                                                                   the shaded areas
                                                                                   with the information
                                                                                   needed.



Thank-you for your attention to my request. If you have any ques-
tions please contact me at number.



Yours truly,

your name




        B C P WA Actionkits   JUNE 2001
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                                                       CANADA STUDENT LOAN 16       DEBT RELIEF



Date
Name of the Collector
Address,   City
Province   Postal Code                                                              Collection letter

Dear Manager,                                                                       Copy this letter
                                                                                    by hand or by
                                                                                    computer and fill in
Re: Canada Student Loan Account Number
                                                                                    the highlighted areas
Amount of Loan Balance
                                                                                    with the information
                                                                                    needed
I have applied for debt relief for my Canada Student Loan debt because
I am unwell with a terminal illness and am unable to work at any regu-
lar job. I am under a doctor's care for this condition. I am also under
the doctor's care to help manage the extraordinary amount of stress
that I live with as a result of my illness and the fact that I am no longer
able to meet my financial obligations.

This letter is to request that you confirm this application with the
Canada Student Loans Program and that you no longer contact me for
collection of a debt that I cannot pay. If you wish to contact me for any
reason in the
future, you are authorized by the signature on this document to contact
my advocate or representative as listed
below.

Name of Advocate/Representative

Address:

Phone Number:

Fax:



Yours truly,




Your name




        B C P WA Actionkits   JUNE 2001
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