u/witch__fag

Hey everyone, I'm here in hopes of some judgement free advice before reaching out to apply for Bankruptcy.

Some facts about my situation:
I am single, unemployed, disabled and have no unplanned income. My income is from Disability in BC.

I've been accepted to go back to school at a University this fall, I've already accepted it is uncertain if I will be able to attend.

I have Student Debt with BC and Ontario, under 35k including interest. My loans we're for 2011 and 2012 and have been dormant and unpaid since 2014.

I am hoping to apply for Student Loans with BC this Fall or Winter again but of course that isn't currently possible so far as I can tell.

I don't have family support, but I do have a small community of friends who are able to support each other from time to time.

Some things I've tried:

- Applying for RAP-D with BC Student Aid even though it requires active loans, out of dormancy.
- Applying for an 'Request for Appeal of BC Student Loans after Default,' case with BC Student Aid, stuck in limbo since March 17th. (They can't accept or deny it until my Loans aren't in Default, which makes no sense to me)
- Applying for Disabled Student Status with OSAP (Retroactive in my case) and a Hardship Appeal Consideration for my Student Debt.
- Contacting the CRA and getting a statement of my debt and the needed interest and lump sum payments to get my student loans in good standing again.
- Contacting the NSLSC for clarification and advice, to no avail.
- Contacting Credit Counselling for advice, beyond their means unfortunately.
- Contacting a LIT for a free consultation about Consumer Proposal, was suggested to apply for bankruptcy through a goverment funded program.

What I haven't tried yet but am aware of:

- Contacting collections and insisting on lack of ability to pay. (Very honest in my case, unsure what this would do to try)
- Contacting my bank to ask for a debt consolidation loan to address my debt.

Any advice on my situation would be super awesome and much appreciated. Thanks for reading.

Hey everyone, I'm here in hopes of some judgement free advice before reaching out to apply for Bankruptcy.

Some facts about my situation:
I am single, unemployed, disabled and have no unplanned income. My income is from Disability in BC.

I've been accepted to go back to school at a University this fall, I've already accepted it is uncertain if I will be able to attend.

I have Student Debt with BC and Ontario, under 35k including interest. My loans we're for 2011 and 2012 and have been dormant and unpaid since 2014.

I am hoping to apply for Student Loans with BC this Fall or Winter again but of course that isn't currently possible so far as I can tell.

I don't have family support, but I do have a small community of friends who are able to support each other from time to time.

Some things I've tried:

- Applying for RAP-D with BC Student Aid even though it requires active loans, out of dormancy.
- Applying for an 'Request for Appeal of BC Student Loans after Default,' case with BC Student Aid, stuck in limbo since March 17th. (They can't accept or deny it until my Loans aren't in Default, which makes no sense to me)
- Applying for Disabled Student Status with OSAP (Retroactive in my case) and a Hardship Appeal Consideration for my Student Debt.
- Contacting the CRA and getting a statement of my debt and the needed interest and lump sum payments to get my student loans in good standing again.
- Contacting the NSLSC for clarification and advice, to no avail.
- Contacting Credit Counselling for advice, beyond their means unfortunately.
- Contacting a LIT for a free consultation about Consumer Proposal, was suggested to apply for bankruptcy through a goverment funded program.

What I haven't tried yet but am aware of:

- Contacting collections and insisting on lack of ability to pay. (Very honest in my case, unsure what this would do to try)
- Contacting my bank to ask for a debt consolidation loan to address my debt.

Any advice on my situation would be super awesome and much appreciated. Thanks for reading.

I have a very large, sweet and trusting cat who I am preparing to move across the country with soon.

Canada from one coast to the other 5 to 6 hour flight.

She has never been on a plane and I would probably have an anxiety attack if she was put in with cargo.

Any advice on carriers, air lines, treating anxiety (for both of us tbh lmao) is very welcome. I have some gaba for her and she takes CBD for mild arthritis.

I have the typical worries other people do posting about similar, that she might do a scream opera from coast to coast or die of fear. I know keeping a calm baseline myself will help her regulate.

I’m on Tremfya and have my shot scheduled several days away. Ive been in bad pain the last week from Psoraitic Arthritis symptoms and am feeling the urge to take it a week early. Is this a common move? I know it changes the whole cycle. Asking you guys before I bother my coordinator about it.