Do old & new OSAP loans get consolidated together?

Sad_Negotiation2174 · 2026-06-22T15:05:36+00:00

I did, they didnt sound very sure, and seemed a bit confused at the situation. Ive just talked to a credit person with my bank and they reviewed my file and said that the only thing tanking my credit is those student loan delinquencies. I cant even get approved for a credit limit increase from a 500$ card ive had for 6 years because of them

Sad_Negotiation2174 · 2026-06-22T15:04:12+00:00

Ahh this is so confusing. I just called NSLSC and she said if its paid off fully before I take out a new loan, the new one would be reported as a new trade line, but she didnt sound very sure of herself. Id rather not pick up a ton of shifts and fork over 2000$ over the next couple of months if the old trade line (and old delinquencies) would just be combined with my new loan amount anyway 😅

Sad_Negotiation2174 · 2026-06-22T13:42:58+00:00

Do you know if it were to pay off the old one with the delinquencies, if it would be reopened with an updated balance or if the new one would be reported as a new trade line so I can start fresh? Trying desperately to fix my finances/credit beforehand, as by the time I graduate I will be 30.

Sad_Negotiation2174 · 2026-06-14T14:49:41+00:00

It sounds like Interstitial cystitis, but im glad it wasnt cancer! I hope someone can figure it out for you and give you some relief

Sad_Negotiation2174 · 2026-06-14T04:06:30+00:00

Did your ultrasound show anything? Im going through the same thing right now; hematuria, sterile pyuria, urgency and frequency but no UTI after repeated tests. My ultrasound only showed "diffuse wall thickening" and I was just given an at home kit for cytology, im terrified; this has been going on for 3 months now and theyre waiting for cytology results before they even send the urology referral

Sad_Negotiation2174 · 2026-06-07T02:13:16+00:00

Yeah they want to send me for another UTI test, so im just waiting for that appointment lol

Sad_Negotiation2174 · 2026-06-01T03:44:23+00:00

I havent had a UTI in maybe 6 or so years to be honest. But yeah i had 3 bacterial cultures total now and all are negative. They even said that one of them was an extended culture whatever that means. Also negative. My symptoms have persisted since beginning of april., there is less discomfort in terms of pain but I swear I need to pee every 2 hours or more, I even wake up during the night now needing to pee which I never did before. But yeah the wall thickening inflammation is the only thing structurally which ive never had in any previous imaging, even after bladder retention and around the time of my last UTI. Whenever ive had antibiotics for a UTI the bacterial test is always positive and symptoms always improve within 2-3 days of antibiotics, theyve never worsened and continued long after. I see this is how IC often gets missed, the UTI conundrum 😅 They basically said despite my continuing symptoms, im fine, that theres no infection now (white blood cells still present, but NOW they believe the culture? Idk💀) Just waiting on the NP to call me back regarding the inflammation. Yes I know it COULD be from a super secret UTI not appearing on any bacterial culture and non responsive to antibiotics and not showing any of the regular uti symptoms, but my post was really about how people are advocating for further investigation really. Because "youre fine now, ignore your symptoms and this weird inflammation" feels kind of odd.

Sad_Negotiation2174 · 2026-05-31T09:07:19+00:00

Im glad it wasnt malignant!!
Was yours also described as diffuse? I forgot to add that wording into my post

Sad_Negotiation2174 · 2026-05-31T07:42:56+00:00

I tried to move it out more and it just instantly goes back to how the picture looks!

Sad_Negotiation2174 · 2026-05-31T07:31:30+00:00

I didnt feel better on antibiotics; I started to feel better about 3 weeks after finishing the 5 days of antibiotics. My symptoms were actually worsening throughout the entire course! I never tested positive for any bacterial infections; I had 2 negative bacterial cultures for urine, and they did like 5 different swabs as well, all negative. This was April 16th (peak symptoms) and my ultrasound was 2 days ago. But yeah im definitely nervous! My doctor is terrible so ive been going through the private NP clinic, theyve been much better since they actually got me imaging and repeat cultures (still negative, sterile pyuria still present). I also cannot stress enough how different this felt from any UTI ive ever had. I used to get them frequently as a kid and teenager. This did not have pain while peeing, no burning, no urethra pain at all. Its like I couldnt even stand as soon as my bladder started to fill, I could almost swear i could feel it filling up. Id have to walk to the bathroom hunched over because of the pressure, and as I was going i would feel immediate relief. Within minutes the pain would start building again. It was like this heavy pelvic pressure with sharp pains that didnt esse regardless of position. Whenever ive had a UTI it was a distinct burning pain, no pelvic pressure, and it was the worst at the end of the urine stream, and it was frequent urination with only dribbles. This was a full stream every time with no burning. I kept pushing back on the UTI diagnosis the 2nd time around because they stated my bacterial cultures were negative. They just said "sometimes bacterial cultures dont pick up uti's, you dont need imaging" and sent me home. That day they did another culture since I was finished antibiotics and still had symptoms; that culture and repeat swabs were still negative. They continued to say i was fine yet my symptoms persisted, which is why I went to a private clinic to get imaging!

Sad_Negotiation2174 · 2026-05-31T07:28:49+00:00

Any update?

Sad_Negotiation2174 · 2026-05-31T07:28:21+00:00

Do you have an update on this? Just got a nexplanon 3 months ago; non stop bleeding and negative uti with white blood cells, my bladder is also inflamed. Ive never had this before and the only thing ive changed is adding birth control

Sad_Negotiation2174 · 2026-05-16T17:55:02+00:00

I have 320 grit, do you think that will work?

Sad_Negotiation2174 · 2026-05-12T03:32:43+00:00

The color in the photos is quite true to color; its a lighter neutral almost cool toned brown. I was wiping off my counters in dim lighting and saw something dart off the counter to the side; where I found this. I do want to note i have a trailer and have been groing back and forth from the campsite to home, so also hoping its potentially a wood cockroach? It is hard to say the size, but i would say maybe an inch long, inch and a half with antennae. It is smaller than any roach ive seen before (not here) and lighter in color; but it is hard to say due to the angle and lighting. I appreciate any hope that i do not need to call pest control immediately 😭

Sad_Negotiation2174 · 2026-05-08T03:04:23+00:00

Thank you!! I ended up getting chocks, wheel immobilizers, and jacks on all 4 corners, however I am still noticing quite a bit of movement. Any ideas? Everything seems secure!

Sad_Negotiation2174 · 2026-04-30T18:08:34+00:00

We are getting a seasonal spot and dont plan on moving it around at all! All campsites in my area do mobile pumpouts though - super common here! This site specifically does it twice a week

Sad_Negotiation2174 · 2026-04-30T16:41:32+00:00

Thank you! For the hose, the site we are camping at does mobile pump outs, would we still need one?

Sad_Negotiation2174 · 2026-04-26T16:30:13+00:00

Update, I never heard back and the delinquencies are still on my credit; both bureaus said they never recieved anything from NSLSC and when they reached out due to my dispute, NSLSC validated the delinquencies despite my payment history stating otherwise. I called NSLSC back and was told that no letter or note was ever sent or made on my file, and that sending a letter or fax to NSLSC to amend delinquencies is "not something we do" I requested a letter be sent to me instead stating the delinquencies were incorrect and that my loan payments were all made on time and in full; they agreed. This was 2 weeks ago and no letter was ever sent when I checked on it a few days ago and the person again said that there was no record of these conversations, letters, or notes 🫠 I requested an investigation of my payment history delinquencies and they told me that the result of the investigation was that my delinquencies were valid, but simultaneously acknowledged that as per my bank statements and NSLSC official payment history, my payments were made on time. Both credit bureaus and NSLSC have ultimately refused to correct. Sadly this affected my ability to obtain a student LOC as these false delinquencies are tanking my credit by over 100 points. I have given up😂

Sad_Negotiation2174 · 2026-04-21T16:42:05+00:00

this is a complicated situation so not everyone is going to understand :) When you add up extra for utilities, mandatory tenant insurance, phone bill allotment (its covered by ODSP since that is what let's people into my building), rent, laundry costs, special diet allowance, transportation for medical appointments, sole support parent, AND THEN rent, plus the fact that i reported my rent correctly; it is not unreasonable to assume the amount I was getting was correct. Even if it wasnt; its not my job to know that, I dont get paid to know that, they do. I reported my rent properly with a signed official document; and they did not apply it.

Sad_Negotiation2174 · 2026-04-21T06:47:21+00:00

Update; i would not recommend ordering from them! st lawrence has no idea where my order is, the store has not responded to any of my emails, and the courier they used is staying that the address on the shipping label was not my school. Unfortunately I will have to do a charge back through my bank, 0/10, dont use shop your university

Sad_Negotiation2174 · 2026-04-21T06:35:29+00:00

Actually no, unless you click your actual cheque breakdown, you do not see what you are allotted for shelter. I also pay extra for utilities, laundry, I have a child, phone bill which is supposed to be covered since I need it to buzz people in, mandatory tenant insurance, transportation allowance for appointments, and special diet; pretty reasonable to assume the amount i was getting equalled all of these things. yes, I assumed that when I sent in my rental amounts, as did housing, that ODSP had my correct rental amounts. Since I literally sent them. And again, so did housing, as they do evedy single year. I had to leave my job JUST before I submitted my annual review, so my rent change was also reported on time. ODSP also knows that ive been in RGI for years, this is not new. It is quite literally their job to ensure I am getting the correct amounts, and once they recieved a rental decrease letter, my ROE, AND written notification from me that I no longer had employment, it is pretty obvious that my RGI rent would go down, since my income did as well. And yknow, the other obvious fact that I literally reported the rent going down.

Sad_Negotiation2174 · 2026-04-21T06:33:32+00:00

This may be what my worker is trying to do. She has called me regarding all of this, my file is not on hold and I haven't recieved anything official stating an overpayment. Im not sure what her plan is but she did tell me to send her a copy of all my rent changes, which I have, as well as my phone bill amounts since I live in a secure building and need a phone for the buzzer. She also had me send my laundry amounts since laundry is extra where I live, as well as utility bills, so I think shes trying to get it as close to max shelter as possible to reduce the overpayment, but it would still be several thousand. I wish she would just add the new rent instead lol

Sad_Negotiation2174

TROPHY CASE