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Vancouver Off-Topic / Current Events The off-topic forum for Vancouver, funnies, non-auto centered discussions, WORK SAFE. While the rules are more relaxed here, there are still rules. Please refer to sticky thread in this forum.

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Old 02-27-2015, 08:31 PM   #26
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I think that only the application process has been consolidated, ie one application makes you eligible for both. The amount received is still separated into federal and provincial portions.
AFAIK any accounts that were active in September 2011 were consolidated into a joint "Canada-British Columbia Integrated Student Loan", how this affects this bill I have no idea. I'm not entirely sure the legality of this entire thing as StudentAidBC still delineates between BC and Canada Student Loans. However after the 2011 consolidation of my active account, all payments are made through the Federal NSLSC.

I would suspect this is irrelevant anyways as a majority of Student Loans in default are likely from years prior to the consolidation. However, this is quite interesting.

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This is a total of your combined Canada and B.C. loans authorized by StudentAid BC and does not reflect any loans not cashed or payments you may have made. For information on the amount you owe on your Canada B.C. integrated student loan account, contact the National Student Loans Service Centre.
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Old 02-27-2015, 08:37 PM   #27
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I was on a post September 2011 student loan from May 2014 to when I paid it off late last year.

It's a monthly payment taken directly out of your bank account.
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Old 02-27-2015, 08:42 PM   #28
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Old 02-27-2015, 08:55 PM   #29
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lol, I'm not torn in any way. If you owe money that you promised to pay, then simply pay the fuck up or don't drive. There may be a few rare cases where people after graduation are struggling to meet ends meet and would perhaps require an alternative payment schedule, but I guarantee you that majority are just wasting their $ on gadgets and being lazy asses. Gotta love this idle generation that love to claim victimization status. Spoiled as fuck.
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Old 02-27-2015, 09:40 PM   #30
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I don't understand the how effective this execution would be.

1) If one borrows student loan, doesn't he need to have a guarantor to back-up the debt?
2) if one decides to leave the country without paying the loan, he doesn't even need to renew his driver's license
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Old 02-27-2015, 10:22 PM   #31
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In the end, this also points that education here and in North America in general is too damn expensive.
We live in Canada where education is highly subsidized. Just ask what a foreign student pays. Also, tuition prices vary by province and regions such as Quebec are like 2/3's of what they are in BC.

Tuition only seems expensive if you live on your own and have to cover living expenses as well. Harder, but definitely doable depending how motivated you are. Since most people aren't, they will find it tough. I know countless stories of people who made it through university with graduate degrees who didn't come from wealthy families but financed it by loans, working, and scholarships. Their work ethic is second to none.
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Old 02-27-2015, 10:54 PM   #32
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I'm not saying these people are victims. No doubt they need a good reality check and some aggressive tactics. I personally am taking school "slow" so I can work part time to pay for school instead of taking out loans. Considering how stagnant our job market is right now, I don't understand everyone's rush to graduate with zero work experience. Plus, I hate debt.

But this "plan" is incredibly counterintuitive. Making it harder for people to find work isn't going to help said people scrounge up the money to pay back their loans.

It's like you telling me to go catch some fish to feed the both of us and then breaking my fishing rod in half. Is it doable? Yes... but at the end of the day it makes no sense.
If you pay your loan on time then you will be fine. Also if you can't find a job to pay your loans right away all you have to do is call up student loan and tell them "Hey I don't have job now can I start paying my loans 6 months later?" They will defer the date for sure. Sure they still charge you interest on it but hey at least you don't have to pay and keep your liscense.

Once you get a job then start paying up. Why should people who play by the rules get screw? I pay back every penny I owe to student loans + interest. In fact during my first few years of graduate all my money goes to food, rent and student loan. Paid it all off in 1.5 years to avoid paying the gov more interest.
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Old 02-28-2015, 12:08 AM   #33
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It's like you telling me to go catch some fish to feed the both of us and then breaking my fishing rod in half. Is it doable? Yes... but at the end of the day it makes no sense.
No, its like me selling you a fishing rod so you can lean how to fish but telling you that you need to pay me 1 fish for every 2 fish you catch until you pay for the fishing rod. But instead you keep both fish and trade one of the fish for a fart pipe for your civic.

And after me continually asking you to give me my fish, and trying to make arrangements with you to only pay me half a fish instead of a whole fish, or look for some assurance that I might get my fish in the future, I get fed up with not getting any fish, and tell my buddy at the gas bar that hes not allowed to sell you any gas until I get the fish you owe me.
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Old 02-28-2015, 03:21 AM   #34
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The government should just garnish their wages or take the money out of tax refunds and such?
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Old 02-28-2015, 07:32 AM   #35
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Does anyone know if their credit is affected when the loans get written off?

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on the other hand. not everyone may have the same privileges as others. i for example didnt do post secondary as i was on my own working full time since i was 16/17 (not my choice) so if i was to take out a student loan, get my education, maybe find a good job but may find a shitty job that hardly covered living expenses.. well it would be a little difficult to pay back my loan in a time sensitive fashion.. so making it hard to get a licence would only dig the hole deeper.
If you're having a hard time paying back the loans you can contact them and work out changes to your repayment schedule, you'd only have it come up at ICBC if you aren't making payments and haven't bothered to make alternative arrangements.

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misuse of student loans is an issue but writing off bad debts/loans isn't

I'm on the side that feels the gov't. should pay for post secondary education, like many European, and other, countries do
It would only benefit the nation in the long run, and we should be able to afford it as comparable countries can do so + provide many other social programs
If they do pay for it, I feel like their need to be more restrictions on it. For starters the money should go straight to the school, not the dumbass who wants the money to do a motor swap. They'd also need to set it up so that if people change their mind and don't complete a program, or change programs partway through, they have to repay the wasted cost unless they go back and finish within X years. The number of people who bail out of programs or take useless ones would waste a huge amount of money that the gov't shouldn't pay.
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Old 02-28-2015, 08:38 AM   #36
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FunkyColdMedina just doesn't seem to get it with his fucked up logic.
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Old 02-28-2015, 09:40 AM   #37
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Does anyone know if their credit is affected when the loans get written off?
Even if you are late for a single monthly payment, your credit score will be affected like a late credit card payment.

This is why I wonder how effective this policy will be. If you are willing to drive your credit score to the ground over 100~200 per month, I don't think this is going to convince them to start paying.
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Old 02-28-2015, 10:54 AM   #38
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oh shit what if the person is actually having a financial difficulty?
the bad thing about Canadian student loan is that it can't be eliminated by filing bankruptcy.

and taking license away is a bad idea since a lot of people need a license for their jobs.
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Old 02-28-2015, 11:00 AM   #39
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and not to mention University Degree is a new High School Diploma.

It's not like back in the day, if you had a University Degree, somebody will hire you and you will have a successful life.
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Old 02-28-2015, 12:26 PM   #40
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I don't think ICBC, as a company, is reliable enough to handle another database for tracking and collection. This is based on my personal experience with ICBC. I am not sure what the specific problem is logistically, but they have made numerous mistakes in the past specifically with the bill that I have to pay or the exact amount of insurance discount that I was eligible for. My feeling is that the discrepancy usually comes from the software side of things. It seems to me that the software they commissioned is full of bugs and there really isn't any kind of accountability on their software lifecycle.
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Old 02-28-2015, 01:02 PM   #41
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oh shit what if the person is actually having a financial difficulty?
the bad thing about Canadian student loan is that it can't be eliminated by filing bankruptcy.

and taking license away is a bad idea since a lot of people need a license for their jobs.
Are you too lazy to read ANYTHING, or just plain stupid?
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Old 02-28-2015, 01:36 PM   #42
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I don't understand the how effective this execution would be.

1) If one borrows student loan, doesn't he need to have a guarantor to back-up the debt?
2) if one decides to leave the country without paying the loan, he doesn't even need to renew his driver's license
You don't need a guarantor for a government student load. You need one for a education line of credit from a bank unless you're in a program like med school, law school, dentistry, etc.

And your 2nd point, yah he'll be free of having to pay it back if that is the case
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Old 02-28-2015, 02:58 PM   #43
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You don't need a guarantor for a government student load. You need one for a education line of credit from a bank unless you're in a program like med school, law school, dentistry, etc.

And your 2nd point, yah he'll be free of having to pay it back if that is the case
oh shit son, I've seen so many university students going back to their country after grad.
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Old 02-28-2015, 03:10 PM   #44
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So,...do you know the correct way to address someone with an Arts degree...with majors in polysci, women's studies and philosophy???....."Yes I will supersize that order".
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Old 02-28-2015, 03:23 PM   #45
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ICBC to collect unpaid student loans? | Watch News Videos Online
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Old 02-28-2015, 03:30 PM   #46
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duhh...

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End ICBC Monopoly
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Old 02-28-2015, 04:34 PM   #47
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let it stain your credit history and may be affect your academic records like when you're caught lending/selling your u-pass but it should be penalized solely in educational affairs and not affect your driving privileges

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You don't need a guarantor for a government student load
incorrect? at least not the case few years back.
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Old 02-28-2015, 06:17 PM   #48
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Actually it's not a bad idea - support it 100% as long as it does not increase the Admin costs for ICBC which will increase my premiums.

People do what is inspected not what is expected.
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Old 02-28-2015, 06:36 PM   #49
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Actually it's not a bad idea - support it 100% as long as it does not increase the Admin costs for ICBC which will increase my premiums.

People do what is inspected not what is expected.
it's not that simple, more people lose their license, which means more people lose their jobs. Less tax income for government & more people go on welfare, it's just gonna cost tax payer more money.
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Old 02-28-2015, 09:03 PM   #50
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If you have debts....man up and own up to it. Don't run and hide finding loopholes.

Goin through ICBC is wrong...opens up a can of worms..cell phone and bc hydo companies are next to collect using ICBC?
Good idea. Don't pay student loans = no BC Hydro service.

I tend to agree with this policy. DL is a previlige, not a right. It seems to be a reasonable deterrent for those living in BC.
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