The following is a long and angry post. To get some of the back-story, you might also want to read my post from September, Gambling with OSAP. Basically, this is a timeline of many of the ways that OSAP, the National Student Loans Centre and McGill Financial Aid have been screwing around with me all semester.
Email from me to Financial Aid at McGill, October 19, 2011:
Hi there,
I came in last week to speak to someone about the state of my OSAP. I repaid a $2222 loan overpayment in September, and I was told over the phone by the NSLC that they would let OSAP know that the overpayment was dealt with.
When I went in to see someone in person at McGill Financial Aid last week, I was told that someone would email OSAP to find out what’s going on with my student loans, and that I would be emailed as soon as they send an answer.
Could you advise regarding the status of this inquiry?
Benjamin Carlisle
MSc(A) Nursing Student
I never got a response to that email. I went in to see them in person on October 24th, and demanded to know what was going on with my student loan. After much confusion, eventually they told me that the information I received from the National Student Loans Centre was inaccurate. It turns out that I had to get them to fax a proof of payment to McGill, who would then fax it to OSAP for processing.
I would like to emphasise at this point that I phoned the National Student Loans Centre on September 15th, 2011 to ask them specifically if I needed to do anything so that OSAP would know that I dealt with the overpayment. They explicitly told me that, no I did not have to do a blasted thing. This was a lie.
Two days later, on October 26th, I received the following email from Financial Aid at McGill:
Hello Benjamin,
Just wanted to give you an update on your OSAP status. The following message is the one I received from OSAP when I inquired about your file.
Documentation was received Sept 21, but has not been reviewed.
With regards to LOP [Loan Over-Payment] the student must provide a letter from NSLSC indicating the amount that he repaid and the date of repayment. This should be sent to the ministry marked clearance.
Please note I have received your received your proof of payment and the copy was faxed to OSAP today.
While your file is being sorted out, please note should you require emergency funds kindly meet with one of our financial counselors and we will be happy to process a loan to assist you with emergency aid.
In addition, I strongly encourage you to fill out the continuation of interest free form found at the following link https://osap.gov.on.ca/prodconsum/groups/forms/documents/forms/tcont003388.pdf and return it to me by fax or as a scanned email attachment. Please note this will prevent you from going into re-payment mode as of November 1st.
Our fax number is 514-398-7352 and my email address is [removed].
Best regards
I went back in to the office and asked how long I should expect to wait for an answer regarding my loan. The answer at the desk: four to six weeks. Six weeks later, on December 7th, I went back in to the Financial Aid Office and asked them what the status of my loan was. I was told that the only person who could possibly help me with this would only be available on Tuesday, 6 days later.
Keep in mind that I have been waiting for fully 3 months, not knowing whether I should expect any financial assistance at all. By this time, I had actually received my bill for next semester’s tuition. I was getting very antsy about this.
Tuesday, December 13th rolls around, and I receive the following email:
Hi Benjamin,
We re-faxed your proof of payment to OSAP today. The Financial Aid counsellor also provided you with a tuition deferral for fall and winter.
Regards
I would like to note a couple of things at this point. This email was worse than unhelpful. It raised more questions than it answered and it illustrated clearly that the people at Financial Aid had no understanding of my situation.
First, there is no explanation of why my proof of payment was re-faxed. Did OSAP say they never received it? Did McGill fail to fax it in the first place? I emailed twice to ask, and they have not responded.
Second, a tuition deferral at that point would have been of absolutely no help to me at all. Tuition deferrals are helpful only if you know that you have some money coming, but you need some time for it to be processed. Tuition deferrals are not helpful in the slightest if the NSLSC, OSAP and McGill have been collectively screwing around with you for the last 3 months, and you have no guarantee of any kind that even a single penny will be coming in the form of student loans. It’s not like OSAP told me that they would be sending me a large sum of money, and I just didn’t know when. I was still waiting for them to assess me for eligibility for a loan. If OSAP decided not to give me money, or if OSAP decided to give me an amount that isn’t enough for me to live on, then a few more weeks to pay my tuition would not have helped—I would have needed to drop out of school to find a job!
I went in to the Financial Aid Office to explain this to them. I told them that the tuition due in January was a sum greater than my current total assets in the world. The person at the desk said that she would see if she could encourage OSAP to work on this faster.
On December 15th, I received the following:
Hello Benjamin,
Please note I have been following up with OSAP and have asked them to expedite your funding and provide me with an update on your OSAP application, the latest email I received from them is as follows:
I have just processed Benjamin’s file. I am unable to determine what his assessment will be. Please have him check back at the end of the week.
If I hear anything further I will let you know. In the meantime if you need emergency aid feel free to come by to schedule an appointment with an advisor and we will assist you until your funds come in. In the meantime I have processed a fee deferral for the Fall and Winter tuition fees.
Let me know if you have any questions.
Best regards
What’s surprising about this email is the offer of “emergency aid.” In September, I asked about “emergency aid” from McGill and received the following email:
Hello Benjamin,
We are unable to assist you at this time. Please contact us later on in the semester. Remember to update your Financial Aid Profile if your situation should change.
That email, by the way, was in response to a request for a meeting to discuss my financial situation. That’s right. Financial Aid at McGill declined even to meet with me about this.
I did check back at the end of the week as the email suggested, and I was told by the person at the desk that she couldn’t find any notes about my case, and that there was no reason for me to have come in. I stayed and insisted that I received an email telling me to come in at the end of that week, and it was only after I showed her the email on my phone that she asked one of her colleagues about it.
Finally, I was told that on Wednesday the 21st (today), my loan documents might be at McGill for me to pick up, and I could expect my loan to be processed by early January.
I’ll believe it when the money is in my bank account.