摘要：Six months after a student ceases being enrolled full-time in an educational
institution, a loan contracted with the Canada student loans program is said to be consolidated
and its repayment is expected. Many ex-students will repay their loan in total (capital
and interest) within a ten-year period. However, a non-negligible proportion of borrowers
will experience difficulty in the repayment of their loans. We are able to shed a new light
