Question: Can my OSAP ($42,000) debt be included in my consumer proposal, ending this month, if I graduated eleven years ago in the field I am now working in? I am 45 years old and also have a dependent.
Answer: A student loan is automatically discharged in a consumer proposal or a bankruptcy if you have been out of school for more than 7 years at the time of filing. Prior to July 8, 2008 the rule was ten years.
Therefore the answer to your question will depend not on when the proposal ends, but when it was filed. You should consult your trustee for further information, and to determine which dates are relevant in your situation.