I have been through my school’s website, through the National Student Loan and OSAP websites, web forums… my question isn’t answered anywhere, and I need help!

In January I noticed that $250 had been taken from my bank account under a strange name I didn’t recognize. I figured out later that it was my OSAP payment, but I was still in school and didn’t even know they were going to start billing me. I was a part-time student, but had to switch to part-time studies at last minute due to a strike at my school which forced me to lose some of my courses. I was living in my own apartment (roommate bailed) and could barely afford my own expenses let alone an extra $250/month. I also have to pay for medication and see a psychiatrist regularly which is very expensive but necessary, which makes things even more difficult. I was working a part-time job, and also started doing some nude modeling and selling my stuff on the internet to pay off my loans. I figured I just had to live with it and I would find ways to come up with the money. Then I got a good job, but my contract recently ended and I am now unemployed, desperately seeking work that pays me enough to live on. (There are lots of jobs available that pay minimum wage at 10 hours a week, but its a joke — that barely covers just the lone payments!)

Recently I learned about debt reduction and interest relief, and I looked on line to see how to apply. After being referred from website to website, I found that one of the requirements to apply was that I have to have signed my Student Loan Consolidation forms. I never received these forms! I even checked my OSAP account and I am signed up for electronic notifications rather then mail notifications, but I searched back through my inbox and have received nothing from them. I cannot find anywhere how to apply for these forms. I haven’t called yet because I am really emotional about this and I know I’ll break down on the phone. I’m not even sure what to do, or what to ask for, or what I’m eligible for.

Has anyone been in this situation, or know if I have some chance of debt reduction? There is no family or spouse in my life who I can receive any support from. If anyone even has any information about where to get Consolidation Forms, that would be really helpful too.

Tagged with: Apply • debt • OSAP • reduction

Filed under: Debt Consolidation Relief

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