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@qoheleth1 If they plan to go to school, I would suggest an RESP to get some of the government matching to help pay for school. No such thing as 0 risk, but if they want slow growth and CIDC protection there are lots of HISA accounts options. Knowing at my age now, I would of invested my...

@fortruth73 Yea we've been on the phone for months dealing with it. We ended up setting up a monthly payment. We have 0 debt other than this Cerb. Won't take long to pay back.

@fortruth73 I worked but wife collected CERB. We got a bill for 28k. Stay at home mom 3 kids and did the online learning. CRA said she wasn't eligible even though we had to keep the kids home and everything till schools reopened.

@blessedj316 Only if your debt has gone to collections, then you should be worried. Once they have it it'll affect everything relates to credit score. ie credit card application, future loans and mortgages.

@blessedj316 OSAP is separate kind of debt. You can claim "tuition" to help your return the form is a t2202 from your school. I've been paying off my osap for 15 years and always got my return every spring...