jswizzle3737/ontario_laws_and_regs huggingface dataset:
31.8
 31.8 (1) If a borrower is granted repayment assistance, the six-month repayment assistance period shall commence, (a) at the beginning of the month in which the application for repayment assistance is received by the service provider; or (b) at the beginning of the month following the month described in clause (a), if the application for repayment assistance is received by the service provider in, (i) the month immediately before the individual is required to start paying interest under a micro-credential student loan agreement or repayment notice, or (ii) the last month of the most recent repayment assistance period. O. Reg. 220/22, s. 11. (2) Despite subsection (1), a service provider may, at the request of an applicant, backdate the commencement of the repayment assistance period if the applicant has failed to pay the principal amount and any interest on the applicant’s outstanding micro-credential student loans during the months preceding the application for repayment assistance. O. Reg. 220/22, s. 11. (3) The service provider shall not backdate the commencement of the repayment assistance period by more than six months. O. Reg. 220/22, s. 11.
31.9
nan
31.10
 31.10 (1) If a borrower is granted repayment assistance at the interest relief stage, (a) the borrower shall pay to the Minister the monthly affordable payment; and (b) the Minister shall forgive any interest payable as part of the borrower’s monthly required payment that is not paid by the borrower under clause (a). O. Reg. 220/22, s. 11. (2) For greater certainty, during the interest relief stage of repayment assistance, any part of the borrower’s monthly required payment that is attributable to principal and not covered by the borrower’s payment under clause (1) (a) is not payable to the Minister. O. Reg. 220/22, s. 11. (3) If a borrower is granted repayment assistance at the debt reduction stage, (a) the borrower shall pay to the Minister the monthly affordable payment; and (b) the Minister shall forgive the borrower’s monthly required payment, whether attributable to interest alone or to both principal and interest, that is not paid by the borrower under clause (a). O. Reg. 220/22, s. 11. (4) A monthly payment made by the borrower under this section shall be paid to the Minister each month at the same time as the monthly amounts that would otherwise have been payable under the repayment notice. O. Reg. 220/22, s. 11. (5) Despite subsection 30 (5), a monthly payment made by the borrower under this section shall be applied against the borrower’s outstanding micro-credential student loans as follows: 1. The full amount of the payment shall be applied first against the monthly required payment that would be payable on the outstanding principal. 2. If the amount of the payment exceeds the amount of principal payable of the monthly required payment, the excess amount shall be applied against the interest payable of the monthly required payment. O. Reg. 220/22, s. 11. (6) Despite anything in subsections (1) and (3), the Minister is not required to pay an amount under this section in respect of a month during a repayment assistance period if the borrower fails to make a payment as required under this section in respect of that month. O. Reg. 220/22, s. 11. (7) If there is a conflict between this section and a provision of a repayment notice, this section prevails. O. Reg. 220/22, s. 11.
31.11
 31.11 (1) If a borrower fails to make one or more monthly payments that the borrower is required to make during a repayment assistance period, the borrower shall pay all missed payments on or before 30 days after the end of the repayment assistance period. O. Reg. 220/22, s. 11. (2) A borrower who fails to pay all the missed monthly payments as required under subsection (1) and who is eligible for repayment assistance under section 31.5, may, upon paying all monthly payments under the repayment notice that are more than six months in arrears, (a) apply for repayment assistance under this Regulation; and (b) request that the service provider backdate the commencement of the repayment assistance period pursuant to subsections 31.8 (2) and (3). O. Reg. 220/22, s. 11.
31.12
 31.12 If a borrower received repayment assistance under this Regulation and subsequently returns to school and becomes a qualifying student or an Ontario Learn and Stay Grant student once again, the periods of repayment assistance received before the return to school shall not be considered for purposes of determining eligibility for any further repayment assistance that the borrower may apply to receive after completing the further period of study. O. Reg. 220/22, s. 11; O. Reg. 86/23, s. 3 (1). Severe Permanent Disability Benefit
31.13
 31.13  (1) In this section, “severe permanent disability” means a permanent disability as defined under section 31.1 that is so severe that, (a) it not only restricts but prevents a borrower from performing the daily activities necessary to pursue studies at a post-secondary school level and to participate in the labour force, and (b) the degree of the impairment or functional limitation described in clause (a) is expected to remain with the person for the person’s expected life. O. Reg. 220/22, s. 11; O. Reg. 71/23, s. 7. (2) A person who has a severe permanent disability is entitled to have the outstanding amount of their micro-credential student loans made under the Act forgiven if the person meets the following eligibility requirements: 1. The person is a Canadian citizen or is a permanent resident within the meaning of the Immigration and Refugee Protection Act (Canada). 2. The person resides in Canada. 3. The person has submitted an application to the Minister for the severe permanent disability benefit. 4. The person satisfies the Minister that, by reason of the person’s severe permanent disability, the person is unable to repay the micro-credential student loan and will never be able to do so. O. Reg. 220/22, s. 11. (3) If a micro-credential student loan issued under the Act is forgiven under this section, the Minister shall forgive the full amount outstanding on the loan. O. Reg. 220/22, s. 11. Default on a Micro-Credential Student Loan
Default on a Micro-Credential Student Loan
nan
32.
 32. A borrower is in default of his or her obligations to repay micro-credential student loans if he or she, (a) unequivocally refuses to pay the loans; or (b) is in arrears by at least three months under the repayment notice as a result of failing to make monthly payments on at least three separate occasions. O. Reg. 768/20, s. 32; O. Reg. 220/22, s. 12.
33.
 33. (1) When a borrower is in default of his or her obligation to repay micro-credential student loans, the loans are due and payable on the following date: 1. If the default occurs because the borrower unequivocally refuses to pay the loans, the day of the refusal. 2. If the default occurs because the borrower fails to make monthly payments on at least three separate occasions, the day of the third missed payment. O. Reg. 768/20, s. 33 (1). (2) When a borrower’s loans are due and payable, the Minister may take such measures as the Minister considers advisable in the circumstances, including amending the repayment notice or collecting the loans. O. Reg. 768/20, s. 33 (2); O. Reg. 220/22, s. 13 (1). (3) When a borrower defaults on their obligation to make payments under a repayment notice, the Minister may, (a) deny the borrower the status of a qualifying student under section 23 during a period of study during which the borrower does not receive a micro-credential grant or micro-credential student loan; and (b) refuse the borrower any repayment assistance under sections 31.1 to 31.12. O. Reg. 220/22, s. 13 (2). Loan Rehabilitation
33.1
 33.1 In sections 33.2 to 33.5, “monthly rehabilitation payment” means the amount that an individual is required to pay on a monthly basis to rehabilitate a micro-credential student loan, as determined under subsection 33.2 (3); (“versement mensuel de régularisation”) “rehabilitation period” means the period, as determined under subsection 33.2 (4), over which a micro-credential student loan is to be rehabilitated; (“période de régularisation”) “total rehabilitation payment” means the payment determined under subsection 33.2 (3). (“versement total de régularisation”). O. Reg. 220/22, s. 14.
33.2
 33.2 (1) An individual who has defaulted on their obligation to repay micro-credential student loans and who wishes to make an attempt to rehabilitate the loans shall apply for loan rehabilitation in a form approved by the Minister. O. Reg. 220/22, s. 14. (2) An individual who applied for loan rehabilitation will receive a payment schedule described in subsection (3), if the following conditions are satisfied: 1. The micro-credential student loans were issued under this Regulation. 2. The borrower is in default of their obligations to repay the micro-credential student loans under section 32 and the Minister determines that the loan will no longer be administered by the service provider. 3. The amount of principal outstanding on the micro-credential student loans is at least $600. 4. The individual has not previously made more than one attempt at rehabilitating the micro-credential student loans. O. Reg. 220/22, s. 14. (3) The payment schedule shall include, (a) the amount of the total rehabilitation payment required to rehabilitate the micro-credential loan, which is equal to, (A × 2) + B in which, “A” is the monthly amount calculated by amortizing the outstanding principal over 114 months at an interest rate equal to the prime rate as of the date of application plus 1 per cent, and “B” is the amount of interest in arrears as of the date of the application; and (b) the amount of the monthly rehabilitation payments required to satisfy the total rehabilitation payment if paid over a period of two, three, four, five or six months. O. Reg. 220/22, s. 14. (4) An individual who receives a payment schedule described in subsection (3) determines the rehabilitation period by selecting whether to make monthly rehabilitation payments over two, three, four, five or six months, and shall make the monthly rehabilitation payments, in accordance with the payment schedule, on or before the end of the number of months selected. O. Reg. 220/22, s. 14.
33.3
 33.3 (1) The Minister may grant a temporary suspension of a rehabilitation attempt, whether or not the rehabilitation attempt has already failed and been terminated under section 33.4 if, in the Minister’s opinion, the special circumstances of the individual justify the suspension. O. Reg. 220/22, s. 14. (2) The suspension may be for such period of time as the Minister determines is appropriate, and a revised payment schedule setting out a revised rehabilitation period shall be provided to the individual. O. Reg. 220/22, s. 14. (3) If a rehabilitation attempt fails and is terminated, and subsequently a suspension of the attempt is granted under subsection (1), (a) the failure and termination of the attempt are deemed never to have occurred; and (b) the suspension period is deemed to have started on the day of the failure and ends on the day specified by the Minister. O. Reg. 220/22, s. 14. (4) When the suspension period ends, the rehabilitation attempt recommences on the same terms as applied before the suspension. O. Reg. 220/22, s. 14. (5) An individual who receives a revised payment schedule described in subsection (2) shall make the required monthly rehabilitation payments, in accordance with the revised payment schedule, before the end of the revised rehabilitation period. O. Reg. 220/22, s. 14.
33.4
 33.4 (1) A rehabilitation attempt is considered to fail as follows: 1. The attempt is considered to fail on the first day that the individual is in arrears for two consecutive months on the obligation under subsection 33.2 (4) to make monthly rehabilitation payments. 2. If the individual’s rehabilitation attempt was suspended under section 33.3, the attempt is considered to fail on the first day after the recommencement of the attempt that the individual is in arrears for two consecutive months on the obligation under subsection 33.3 (5) to make monthly rehabilitation payments. 3. If, as of the last day of the rehabilitation period or the revised rehabilitation period, the individual has not made payments that, in total, are equal to the total rehabilitation payment, the attempt is considered to fail on the day after the last day of the rehabilitation period or revised rehabilitation period. O. Reg. 220/22, s. 14. (2) If an attempt at rehabilitating a micro-credential student loan fails, the attempt is terminated and the loan cannot be rehabilitated unless the individual reapplies under subsection 33.2 (1). O. Reg. 220/22, s. 14. (3) A rehabilitation attempt is considered to succeed if, (a) the individual makes the monthly rehabilitation payments in accordance with subsection 33.2 (4) and, if applicable, subsection 33.3 (5); (b) as of the last day of the rehabilitation period or revised rehabilitation period, the individual has made payments that, in total, are equal to the total rehabilitation payment, and, (i) the individual was not at any point during the rehabilitation period in arrears for two consecutive months on the obligation under subsection 33.2 (4) to make monthly rehabilitation payments, or (ii) for a rehabilitation attempt that was suspended, the individual was not, at any point after the recommencement of the attempt, in arrears for two consecutive months on the obligation under subsection 33.3 (5) to make monthly rehabilitation payments. O. Reg. 220/22, s. 14. (4) If a rehabilitation attempt succeeds, the rehabilitation is effective as of the day after the last day of the rehabilitation period or revised rehabilitation period. O. Reg. 220/22, s. 14. (5) Subsection (4) applies even if the final payment is made before the last day of the rehabilitation period or revised rehabilitation period. O. Reg. 220/22, s. 14.
33.5
 33.5 A micro-credential student loan that has been successfully rehabilitated, (a) is deemed to be a micro-credential student loan issued by the Minister under this Regulation and is subject to the terms and conditions normally applicable to such a loan; and (b) shall otherwise be treated as if the default and rehabilitation had not occurred. O. Reg. 220/22, s. 14. General
34.
 34. (1) An individual who enters into a micro-credential student loan agreement, under which the individual receives a micro-credential grant or micro-credential student loan pursuant to section 18, is required to promptly notify the Minister or such person or entity as may be designated by the Minister for the purposes of this section of any material change in his or her circumstances that occurs during the period of study for which the micro-credential grant or micro-credential student loan is issued. (2) A material change in circumstances includes, (a) a change in the individual’s marital or family status; (b) a change of address; (c) a change in his or her enrolment; (d) a change in education costs described in subsection 9 (3); (e) a change in the financial information of the individual’s expected contributors; and (f) a change in financial resources described in subsection 9 (5).
35.
 35. An individual who enters into a micro-credential student loan agreement under which the individual receives a micro-credential grant or micro-credential student loan pursuant to section 18, shall promptly notify the service provider or such person or entity as may be designated by the Minister for the purposes of this section of any change of address that occurs after the person ceases to be a qualifying student under section 23 but before the repayment in full of the principal amount of the student loan and of any outstanding interest on that amount.
36.
 36. (1) If a service provider discovers that a document pertaining to a micro-credential grant or micro-credential student loan contains a false statement, the service provider shall promptly report the matter to the Minister. (2) Upon discovering that the document contains a false statement, the service provider may take any action that he, she or it considers appropriate in the circumstances, with the approval of the Minister.
37.
 37. The Deputy Minister and the Director, Student Financial Assistance Branch of the Ministry, are authorized to approve micro-credential student loans under section 8 of the Act.
38.
 38. A service provider may act on behalf of the Minister in exercising rights and performing duties under this Regulation, if authorized to do so by the Minister. 39. Omitted (provides for coming into force of provisions of this Regulation).  Français