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Topic: Canada Student Loans

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	canstuloan
		Canada Study Grants are available to qualified students including: students with disabilities, students with dependents, high-need part-time students, and women in certain fields of doctoral studies.
		Canada Student Loans for part-time studies are available to supplement other financial resources such as your own earnings, your spouse's earnings, as well as scholarships and bursaries.
		In addition to a federal student loan, you may also be eligible for a student loan from the province or territory in which you live.
	soscanada2000.com /higherstudies/canstuloan.html (3422 words)

	- - Canada Student Loans Program (Site not responding. Last check: 2007-10-13)
		The basic principle of the Canada Student Loan Program is that the responsibility for the costs of post-secondary education rests primarily with the student and his/her spouse or parents (where applicable).
		Students are expected to draw from their resources, which include financial and vehicle assets, to meet the assessed costs and their expected contribution.
		Canada Student Loan does have an Interest Relief Program of up to 30 months for students who are still unemployed after their 6 month period has elapsed, or if they are underemployed and cannot afford their loan payments.
	www.education.gov.yk.ca /loans.html (1620 words)

	Student loan - Wikipedia, the free encyclopedia
		Student grants and student loans in Denmark are administered by the Danish State Educational Grant and Loan Scheme Agency, a Danish government agency.
		Student grants and student loans in Sweden are administered by the Swedish National Board of Student Aid, a Swedish government agency.
		Loans are provided by the Student Loans Company and do not have to be repaid until students have completed their course and are earning £15,000 a year (£10,000 until April 2005).
	en.wikipedia.org /wiki/Student_loan (4383 words)

	DeVry Financial Aid Site - Types of Financial Aid - Loans (Site not responding. Last check: 2007-10-13)
		Students from British Columbia are eligible to apply for BC Supplementary Loans in addition to applying for Canada Student Loans.
		Students from Manitoba are eligible to apply for Manitoba Supplementary Loans after and in addition to applying for Canada Student Loans.
		Students from Prince Edward Island are eligible to apply for PEI Supplementary Loans in addition to applying for Canada Student Loans.
	finance.devry.edu /canada/types_loans_provincial.html (444 words)

	Canadian Federation of Students
		The loans are administered by the National Student Loans Service Centre (NSLSC), which is responsible for arranging for your loan to be deposited to your bank account, helping keep track of your loan and repayments, and overseeing the interest-relief and debt-reduction programs.
		Students who believe they are in circumstances of an extraordinary nature may request a review of their student loan or loan remission award by an independent appeals committee.
		Student loan problems are often related to overly complex government policies and confusing bureaucracy.
	www.cfsontario.ca /english/general.php (1932 words)

	The History of Canada Student Loans
		According to a Statistics Canada report released a day after the 1998 "students' budget," students are paying more than ever for their university education.
		Students still pay for only about a quarter of the total cost of their education.
		Students in both the graduate and undergraduate program work together to find, develop, research, write and produce stories about the affairs of the Canadian government including, but not restricted to, Parliament Hill.
	www.carleton.ca /Capital_News/12031999/quirks_02.htm (986 words)

	Applying for OSAP (Site not responding. Last check: 2007-10-13)
		In addition, as a mature student, you were restricted to conditional studies by your postsecondary institution.
		You are a student with a permanent disability and that disability prohibits you from taking at least 60 per cent of a full course load.
		Your completed part-time loan certificate, along with your Canada Student Loan Agreement for Part-Time Students, must be received at the appropriate division of the NSLSC within 30 days of the date on which your institution signed your part-time loan certificate.
	osap.gov.on.ca /eng/not_secure/parttime.htm (1326 words)

	Canada Student Loans Program (CSLP) (Site not responding. Last check: 2007-10-13)
		The purpose of the Canada Student Loans Program (CSLP) is to promote accessibility to post-secondary education for individuals with demonstrated financial need by lowering financial barriers through the provision of loans and grants; and to ensure that Canadians have an opportunity to develop the knowledge and skills necessary to participate in the workplace and community.
		The transition to direct financing of Canada Student Loans means that the CSLP had to redesign its delivery mechanisms, which included the contracting of service providers to disburse and manage student loans once eligibility has been determined and award amounts have been assessed.
		Loans and grants are forms of direct student financial assistance; however, the CSLP also provides indirect student financial assistance to students.
	www.tbs-sct.gc.ca /rma/eppi-ibdrp/hrdb-rhbd/cslp-pcpe/description_e.asp (765 words)

	Student Loans Information (Site not responding. Last check: 2007-10-13)
		Student unable to resume payments after exhausting the 54 months of interest relief can then apply to have the overall amount of their student loan reduced to make the payments more manageable.
		Canada Student Loans received before August 1, 2000, are repaid to your financial institution.
		For example: If your total monthly student loan payments are $300 and you have a spouse and two children, you may be eligible for interest relief if your gross family income is $4,283 or less (see the Interest Relief brochure in Room Z201 for more the eligibility chart).
	www.samrc.com /_frames/studentloans_main.htm (3448 words)

	Ontario Debt Reduction in Repayment (Site not responding. Last check: 2007-10-13)
		Generally, DRR is available to assist students who have been out of school for at least five years and have exhausted all available periods of interest relief.
		Your total monthly student loan payments are greater than the monthly payment amount in the DRR Monthly Income Table corresponding with your family size and gross monthly family income.
		Your student loan is not in good standing if the financial institution that held your loan has returned the loan to the government, due to failure to make required payments.
	osap.gov.on.ca /eng/not_secure/DRR.htm (1382 words)

	Canada Student Loans Program (PRB 03-43E) (Site not responding. Last check: 2007-10-13)
		Loans were made available to students enrolled in classes shorter or longer than the previous window of 26-32 weeks.
		Loans were limited to the normal length of the program plus one additional study period, and most students were limited to a lifetime borrowing maximum of 340 weeks.
		Average CSL indebtedness (i.e., amount owing at loan consolidation) was $10,265, and the three-year default rate(6) was forecast at 24.13%.
	www.parl.gc.ca /information/library/PRBpubs/prb0343-e.htm (1284 words)

	Canada Student Loans - The FAB Finance Portal (Site not responding. Last check: 2007-10-13)
		The main objective of the Canada Student Loans Program (CSLP) is to provide funding for Canadians who have a demonstrated financial need so that they may receive a post-secondary education.
		Each student may delay any repayments until after they have completed their studies and until such a time as they have got a job giving them an annual salary.
		There are essentially two divisions of the National Student Loans Service Center which are the one managing loans for students attending public institutions, and another for those attending private institutions.
	www.qt.org /loans/student-canada.html (416 words)

	Canada Student Loans Programs. Information on Federal Loans for Students in Canada. Financial Assistance
		If you are having difficulty managing and repaying your loans after you have finished your studies you may be eligible for interest relief and in some cases, debt reduction.
		students with permanent disabilities may enroll in between 20 percent and 39 percent of a full-time course load to be considered eligible for loans;
		In conjunction with the Canada Study Grant for high-need part-time students (Maximum of $1,200), the aggregate amount of CSG assistance for part-time students shall not exceed $3,120 in any given loan year.
	www.campusaccess.com /campus_web/educ/e3fin_fed.htm (1564 words)

	Canada Student Loans Regulations, [SOR/93-392]
		"consolidated guaranteed student loan agreement" means a contract that is entered into between a borrower who has ceased to be a full-time student pursuant to section 4.1 and the lender to whom the borrower is indebted under any outstanding guaranteed student loan agreements entered into as a full-time student, and
		(1) Subject to subsection (2), the borrower of a full-time guaranteed loan shall, before the first day of the seventh month after the month in which the borrower ceases to be a full-time student, enter into a consolidated guaranteed student loan agreement with the lender to which the borrower is indebted.
		(b) where the borrower fails to enter into a consolidated guaranteed student loan agreement within the period referred to in subsection 7(1) or (2), on the day after the end of that period, and thereafter shall be treated as prescribed by section 16.4.
	www.canlii.org /ca/regu/sor93-392/whole.html (8683 words)

	Canada Student Loans - Wikipedia, the free encyclopedia
		The Canada Student Loans Program is a Human Resources and Skills Development Canada programme indended to promote accessibility to Canada's post-secondary education institutions by allowing Canadians who demonstrate a financial need access to student loans and grants.
		The programme was created in 1964 by the Canada Student Loans Act.
		The programme has been criticised because, among other things, despite the intention to provide more access to university education for lower income students, student loan borrowers often find themselves dealing with large and sometimes unmanageable debts upon graduation.
	en.wikipedia.org /wiki/Canada_Student_Loans (158 words)

	Evaluation of the Canada Student Loans Program (Site not responding. Last check: 2007-10-13)
		Numerous examples of rigidity are to be found in the manner in which money is disbursed to students; the needs assessment process; the lack of transparency in the appeals process; and, the lack of processes to ensure that relevant information is updated as required.
		Many students stated that education institutions (specifically private schools) and lenders could do a better job of providing financial counselling and informing students of their responsibilities, obligations and repayment options with respect to CSLP loans.
		Evidence also exists that student loan default rates are significantly higher for borrowers of some financial institutions than others.
	www11.hrdc-drhc.gc.ca /pls/edd/CSL_brf.shtml (1670 words)

	Canada Gazette
		B is the monthly payment corresponding to the borrower's monthly family income — minus any monthly payment required for student loans or guaranteed student loans of the borrower's spouse or common-law partner — as indicated in the schedule to the Canada Student Financial Assistance Regulations.
		C is, in respect of a first reduction, the monthly payment due on the guaranteed student loans if the repayment period was 15 years.
		(b) in the case of a second or a third reduction in the principal amount of a student loan or a guaranteed student loan, $5,000.
	canadagazette.gc.ca /partI/2003/20031220/html/regle2-e.html (1792 words)

	Canada Student Loans - Bankruptcy
		The Canada Student Loans Program (CSLP) is implementing changes that will allow borrowers who participate in a bankruptcy-related event to apply for new federal loans while in-study and for debt management measures while in repayment.
		While borrowers are receiving IR, they are not required to make any payments on their student loan (interest OR principal) and the Government of Canada pays the monthly loan interest.
		Borrowers who continue to experience difficulty in repaying their student loans may be eligible for two additional reductions of up to $5,000 each.
	www.moneyhelp.ca /x_students.htm (625 words)

	Government of Yukon - Department of Education - Canada Student Loans Program
		The Canada Millennium Scholarship Foundation was created by the Federal Government to distribute financial assistance through both its Millennium Bursary and Excellence Award Programs for a ten-year period starting in 2000.
		They have been specifically created for those students who, after enrolment in a post-secondary program, begin to demonstrate qualities of leadership, community involvement, innovation and academic achievement that inspire others and make their world - be it on campus or in their community - a better place to be.
		Students who demonstrate the capacity for leadership and are committed to the pursuit of academic excellence and innovation will be considered.
	www.education.gov.yk.ca /advanceded/sfa/loans.html (2241 words)

	CanadaStudentDebt.ca (Site not responding. Last check: 2007-10-13)
		Student loans are meant to be paid back but not at exhorbitant interest rates.
		Student loans should not be a 'for profit' business.'Help should be available for those who have an unmanagable debt burden.
		Senator Robert Kennedy, addressing students in South Africa who suffered under the yoke of apartheid, understood the potency of the human heart as surmounting all obstacles.
	www.canadastudentdebt.ca (853 words)

	Education: Canada Student Loans Program
		Full-time student loan funding in Prince Edward Island is based on two programs, the Canada Student Loans Program and the Prince Edward Island Student Loans Program.
		To be eligible for a Canada Student Loan students must: be enrolled in at least 60% of a full-time course load (40% if a student has a permanent disability).
		General Application - Use this General Application for Canada and PEI Student Loans if: 1) you are a first time applicant in the province of PEI, or 2) you are a married/common-law, or 3) you have dependants.
	www.gov.pe.ca /educ/index.php3?number=1000716 (213 words)

	Canada Student Loans Program: General Information (Site not responding. Last check: 2007-10-13)
		The Canada Student Loans Program provides loans and grants for post-secondary education to Canadians with a demonstrated financial need.
		An online source of information about post-secondary education and learning resources in Canada, including all the information needed to apply for, maintain, and repay student loans.
		Canada Student Loans Program announcements sorted by date.
	www.hrsdc.gc.ca /en/gateways/topics/cxp-gxr.shtml (66 words)

	Canada Student Loans Program (Site not responding. Last check: 2007-10-13)
		The Canada Student Loans Program promotes accessibility to post-secondary education by lowering financial barriers through the provision of loans and grants for Canadians with a demonstrated financial need.
		If you are attending or planning to attend a post-secondary education institution and need information about applying for, maintaining and repaying student loans, visit the Pay section of the CanLearn Web site.
		If you are a New Brunswick borrower in repayment, your action is required immediately to keep your loans in good standing.
	www.hrsdc.gc.ca /en/gateways/nav/top_nav/program/cslp.shtml (203 words)

	triOS College - Canada Student Loans
		offers you the benefits of an interest-free loan while you are in school.
		triOS Financial Aid Officers are available to assist students, who have met triOS admission requirements, in completing necessary documentation and aid in financial planning.
		Find out how we can assist you in exploring the very best way to help you make your higher education goals a reality.
	www.trios.com /career/?section=CanadaStudentLoans (76 words)

	Graceland University:Canada Student Loans (Site not responding. Last check: 2007-10-13)
		Student Assistance Office, Dept. of Education and Culture
		Student Aid Division, Dept. of Youth Services and Post Secondary Education
		Student Financial Assistance Branch, Saskatchewan Post Secondary Education and skills training.
	www.graceland.edu /2146 (83 words)

	Bienvenue au ministère Ressources humaines et Développement social Canada (RHDSC) / Welcome to Human Resources and ... (Site not responding. Last check: 2007-10-13)
		Bienvenue au ministère Ressources humaines et Développement social Canada (RHDSC) / Welcome to Human Resources and Social Development Canada (HRSDC)
		Les anciens ministères de Ressources humaines et Développement des compétences Canada et Développement social Canada ont été amalgamés pour former le ministère de Ressources humaines et Développement social Canada.
		The former departments of Human Resources and Skills Development Canada and Social Development Canada have joined to form the department of Human Resources and Social Development Canada.
	www.hrdc-drhc.gc.ca /student_loans (76 words)

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