If I go bankrupt and want to return to my studies two years later, for example, can the financial institution refuse my school guarantee certificate (assuming the loan and bursary application was accepted) because of my poor credit score?

Questions reliées

• Can I declare bankruptcy if I've received a wage garnishment from the Loans and Bursaries program? I tried to reach an agreement with them to reduce the amount, but the garnished amount is far too high for me.
• How do I declare bankruptcy in order to get out of a 10-year student loan?
• I am supposed to inherit a sum of money. However, I owe money to the Quebec Ministry of Education for student services. Will the amount I receive be reduced by my student debt?
• I declared bankruptcy in October 2019. I want to return to school and will need loans and bursaries. Will my bankruptcy cause me problems obtaining them?
• I have a debt from my studies in Quebec, which I completed almost 10 years ago. I have used all my deferred repayment options (60 months). The last request was made two years ago. I haven't been able to start making payments due to financial difficulties. I had permanent resident status from 2010 to 2014. I have been living abroad since 2014 and have therefore lost my permanent residency (I have been absent for over five years). I started a study program in Quebec last year with international student status. I am currently studying remotely due to the pandemic, but I should be arriving in Quebec soon. Could my situation cause problems with immigration services upon my arrival? Is there any way to reduce my debt? Who should I contact to renegotiate my file?