January 6 Cohort Registration Is Closed
The Jan. 6, 2026 cohort is now closed. Click below to learn more and get notified about the next intake.
Rebuild your finances with clarity, structure, and guidance
This 3-month cohort guides you step-by-step through OSAP Loan rehabilitation so you can:
Get out of collections and restore your OSAP loan to good standing
Improve credit score
Prepare for tax filing after rehabilitation
Receive guidance, accountability, and support
You’re not doing this alone — this program gives you a clear path forward.
How the 3-Month Cohort Works
January 6 – 16, 2026
- Welcome meeting (Friday @ 12 p.m. EST)
- Full intake completion
- 1:1 personal consultation
- CRA authorization request (if needed)
Jan. 19 - Mar. 27, 2026
- Rehab payment plan with CRA/NSLSC
- Liaise with CRA and NSLSC
- Bi-weekly cohort meetings
- CRA & NSLSC tracking & payment confirmations
- Document preparation for tax season
- Tax filing appointment (if opted) - [intake after appointment]
After March 27, 2026
- Loan status review (pending lender decision)
- Certificate of Completion
- Check loan status
- Financial Resource Pack
What's Included
- Full Intake Review
- Personalized 1:1 Consultation
- CRA Authorization Support
- Bi-weekly sessions
- Payment Tracking Worksheets
- Pre-Tax Season Checklist
- Certificate of Completion
- Post-Rehab Financial Resource Pack
This Cohort Is Full
Registration for the Jan. 6, 2026 cohort has ended. Join the list to receive updates and next steps.
Program Investment
Option A
$495
+ HST (one-time)
Save $75
Option B (Premium)
$695
+HST
Includes budgeting support for 3 months post cohort
Flexible Payments
Add'tl $75 + HST
Payment Terms
Payment is required at registration to secure your seat.
Full payments offer a $75.00 savings.
For flexible arrangement:
- $75.00 additional
- 3 equal monthly payments
Payment plans are administrative arrangements and do not constitute financing
Refunds are available only before the first group session and are subject to a $56.50 administrative fee.
RECOMMENDED
Important Notes
CRA Access & Tax Filings
If you have not filed taxes for two or more years, CRA may have restricted your online access. This can affect MyAccount login, authorization requests/approvals, and your ability to see student-loan information. We will identify this during your intake and guide you through next steps as needed.
Prior Rehabilitation Attempts
If you’ve previously entered a student loan rehabilitation program, eligibility for another rehabilitation depends on your lender, collection agency, and applicable federal or provincial rules. We will review your history with you privately during your 1:1 consultation and discuss the options realistically available to you.
Disclaimer:
Your success in this program depends on your active participation and completing the required steps on time. We will guide you throughout the rehabilitation process, but final decisions are made by the organization managing your loan (CRA, NSLSC, OSAP, or the collection agency). If additional time is needed due to delays such as missing documents, late communication, or incomplete steps, extended support is available at $75 per additional month.”
Frequently Asked Questions
Common questions about the Student Loan Rehabilitation Cohort
Possibly. Federal and provincial programs each have different rules, and final decisions depend on the lender or collection agency. Multiple previous attempts may make eligibility more challenging, but not impossible. We will review this with you privately during your consultation.
If you’re behind by two or more years, CRA may restrict your online access. This can affect MyAccount login and authorization approvals. We will assess this during intake and recommend the next steps.
The process requires at least three consecutive months. This cohort runs from January 6, 2026, to April 3, 2026, to ensure you are reinstated before entering tax season. (Rehabilitation outcome depends on the respective agencies/departments)
The program is intentionally designed to end prior to the launch of tax season so that you move into tax filing with a stronger financial foundation and fewer administrative delays. This ensures your account is in better standing, allowing the next steps in your financial process to flow more smoothly. N.B.: You must opt in to the tax filing service offer.
While your loan is in collections, refunds can be offset. After rehabilitation is complete, offsets stop.
No. This program provides education, administrative support, and guidance only. Eligibility and final decisions are made solely by the respective department or the collection agency handling your file.
Join the Next Rehabilitation Cohort
The Jan. 6, 2026 cohort is closed. Use the form to learn more and secure early access for the next cohort.