An informal debt settlement is a voluntary arrangement negotiated between you and your creditors, without the comfort of ensuring you have a legally binding agreement and the step-by-step guidance provided by a Licensed Insolvency Trustee.

When you are considering your retirement goals, remember that having a plan to deal with your debt is just as important as planning for your retirement income. Planning your retirement income is something we are trained to do from a very early age. Planning to deal with your debt isn’t.

Post-secondary education costs money. Depending on the program, sometimes a lot of it. But there are steps every student can take to prepare for these costs and minimize the future financial impacts of pursuing a higher education.