if you can actually default and file for bankruptcy, you are just fucking yourself...in a different way. if you don't want to pay for something you owe...it will get back to you. OSAP helped you to get the education you need inorder to succeed in life (and get a few sessions with mps and sps) and you're going to turn your back and run. pussy move.
Is there anything I can do legally to avoid paying my OSAP loans?
- Thread starter LKD
- Start date
Well, the other way to look at is is that you are lucky that OSAP is even there.
My father recounted the story to me on how when he was a kid, there was no such thing as OSAP. If your parents had the money, and wanted to send you to school, you went to school.
In my dad's case, his father drank his pay cheque and hence my old man was not going to go to university - though he definitely had the brains for it. Instead he got a job at a factory in Hamilton when he was 15.
So really, you have to look at the bright side - you got some dough from the government and you got an education.
BTW, you could have lost the car and taken the bus like I did and saved a bundle. By your own figures that would be 7,300 bucks a year.
I have a friend who is a high school teacher in York Region. She tells me stories about how just about all her kids think or expect to go to University and that they will all become professionals who graduate to 100k plus a year right out of school. Laughable.
Anyway, all these kids are convinced that they MUST go to University and that anyone who does not it a loser.
She knows that a large number of them do not have what it takes and when she suggests that perhaps they consider an alternative path other than University (say (gasp) a trade) they think she is on crack. She is amazed at the number of students who think that in order to make a decent living, they must go to University.
There isn't enough future to go around.
Anyway, all these kids are convinced that they MUST go to University and that anyone who does not it a loser.
She knows that a large number of them do not have what it takes and when she suggests that perhaps they consider an alternative path other than University (say (gasp) a trade) they think she is on crack. She is amazed at the number of students who think that in order to make a decent living, they must go to University.
There isn't enough future to go around.
i think the problem is most don't know exactly what they want to do in life, where their passion actually lies. I'm guessing most in the beginning, like myself, pick a profession they think sounds cool or where they'll end up making millions, not one that they actually enjoy doing or have the talent in. It isn't until years down the road that they realize what they actually should/want to do. For many, its too risky or late to change profession, while the more courageous ones set out for a change. Honestly, looking back at all the money and time I've spent studying in school, which could've been used to earn money at a regular/so-so job, I could've easily amassed a fortune for myself by now. :/
Exactly which useless degree did you voluntarily take ???????:eyebrows:
Sue the educational system for brainwashing you into going to University
I say bullshit to free education
Then everyone is going to get a useless PHD and who is going to pay for your useless education ? Those who went and got a fucking job ! with an education that was not bullshit!
Sue the educational system for brainwashing you into going to University
I say bullshit to free education
Then everyone is going to get a useless PHD and who is going to pay for your useless education ? Those who went and got a fucking job ! with an education that was not bullshit!
Its Journalism program is the best in Canada. The engineering faculty is pretty small
but its study program which I believe is modeled after the program in Purdue Univ is
decent. Carleton isn't one of the prestigious school in Ontario but I'll rate it above
U of Ottawa and Windsor, Trent, Brock, Lakehead and in Laurentian. BTW, I am not
from Carleton.
lol
I think I remember now. My initial OSAP loan was around $8k, and it paid for my entire first year. I had already saved up money from working in the previous 3 years, so I was able to buy food but I had to budget.
Second year OSAP gave me around $3k and refused to assist me anymore because I had not begun making payments toward the initial loan. After living expenses, I had no money to pay down any loans.
During the second year I discovered a new source of income and I think from there on, I paid my way cash. Each course was around $800 - $1500 if I recall correctly.
I had terrific grades for the first two years.
Third year I was busy making money. Books were expensive and thick. I knew I'd never get through most of them so I didn't even bother buying them. Although I was caught up, paid off all school debt, I was winging every course at this time and failing on all fronts (my best grade was probably a D-), so I dropped out. lol
I have a good degree from university (co-op program) and graduated with no debt - I had minimal help from others, but I had to live very frugally to do it. I'm amazed now at how little I managed with, given the expenses that came later in life - car, house, etc. But at the time, it was what I had to do to stay in school, and didn't really think much about it. I had more disposable cash than others due to the low base expenses.
I wouldn't have even considered owning a car. Public transit, and a lot of walking. Borrowed or rented a car if I really needed one - moving, etc.
I wouldn't have even considered owning a car. Public transit, and a lot of walking. Borrowed or rented a car if I really needed one - moving, etc.
Yeah, the car was basically a wash all in because the car let me get to my part-time job, and my part-time job let me pay for my car. It all boiled down to the convenience of having a car.
As for looking on the bright side, I am grateful that OSAP is there in the capacity it is. I just think hard working students should be able to rely more on it to get through school and concentrate on academics, and worry about paying for the schooling once they get a decent job. Like I said, I think OSAP should be tied to grades. As it is, someone just scraping by for four years before finally flunking out can get their hands on as much OSAP as someone with a 4.0 gpa (albeit, with less scholorships). Yes, I understand that the current system is better than nothing, I'm just looking to help out good students.
I paid the full $49,300 I owed to the bank and OSAP by four years after graduating. Aside from my car, which was my one treasure, I lived a fairly bland lifestyle during that time, or atleast until the end was in sight. Knowing I had a lot to look forward to after that made it easy.
1987, made 8.75 per hour loading trailers, from 11pm to 7am, min 3x per week, in class 0900 to usually 3 or 4 pm, no weekend work (i shit you not), was not top of my class but did well enough to be awarded research grants. Grants did not go towards tuition, went straight to cost of doing research.
Education should be free because then people would learn not to take out loans out they couldn’t pay back 
. Capitalism doesn’t work. I personally never took a loan because i didnt wanna graduate with debt so i worked every summer and paid for school at the expense of my social life and family life. I use to work my ass off and I would barely go out or spend time at home. This has damging effects on a person’s health, check out this website if you dunt believe me. http://www.thecanadianfacts.org/The_Canadian_Facts.pdf It’s not easy in today’s world to make it and education is now very expensive. If education was free everyone would understand most problems stem from money. If education was free people who live in areas that promote violence and harmful drugs would have a way out. Health issues, financial issues would be reduced because we would be educated on these topics. You clearly dunt understand the value of education to a human being because there are people out their who beg for it but their situation wont allow them too. They will ride the wheels of poverty till the end of time. People are distracted to the real issues of the world. Why is the government so stupid, in a country where a bigmac combo cost less then a healthy meal, where money is held in the CEO’s bank accounts when it could be helping people, where clothes, name brands, label people and classify them. Where you live classifies you. How much money you have classifies you. The world is fucked and i think we could use more educated people. Instead of getting that banker another million dollar home which will be empty half the time. For the record, a person who doesn’t wanna pay back their loan because they just cant afford it is not a person who needs to get a job, im sure they have a job and work very hard to support the components of their life. But a loan will take the back seat to the necessities of life like food, water, shelter, clothing, a social life. If after this they have money and are able to pay back their loan then they wouldn’t be posting a question like this.
Also the government surprisingly has started a new initiative where all or some of your loan may be forgiven, I think there are A LOT of restrictions on this but check out the osap website. Cheers,
Z
. Capitalism doesn’t work. I personally never took a loan because i didnt wanna graduate with debt so i worked every summer and paid for school at the expense of my social life and family life. I use to work my ass off and I would barely go out or spend time at home. This has damging effects on a person’s health, check out this website if you dunt believe me. http://www.thecanadianfacts.org/The_Canadian_Facts.pdf It’s not easy in today’s world to make it and education is now very expensive. If education was free everyone would understand most problems stem from money. If education was free people who live in areas that promote violence and harmful drugs would have a way out. Health issues, financial issues would be reduced because we would be educated on these topics. You clearly dunt understand the value of education to a human being because there are people out their who beg for it but their situation wont allow them too. They will ride the wheels of poverty till the end of time. People are distracted to the real issues of the world. Why is the government so stupid, in a country where a bigmac combo cost less then a healthy meal, where money is held in the CEO’s bank accounts when it could be helping people, where clothes, name brands, label people and classify them. Where you live classifies you. How much money you have classifies you. The world is fucked and i think we could use more educated people. Instead of getting that banker another million dollar home which will be empty half the time. For the record, a person who doesn’t wanna pay back their loan because they just cant afford it is not a person who needs to get a job, im sure they have a job and work very hard to support the components of their life. But a loan will take the back seat to the necessities of life like food, water, shelter, clothing, a social life. If after this they have money and are able to pay back their loan then they wouldn’t be posting a question like this. Also the government surprisingly has started a new initiative where all or some of your loan may be forgiven, I think there are A LOT of restrictions on this but check out the osap website. Cheers,
Z
