I'll jump in here with my OSAP debacle... I had both loans & grants (when they still did them) through OSAP all 4 years I was in university. A year and a half after I graduated, my dad died. 6 months later, I sold his home and I was able to pay off my loan in its entirety (I was lucky, in that sense, obviously). It was approximately $15K. A few years later, I got a letter saying that they had screwed up one of my grants and that I needed to repay them $1500. Um--what? You fucked up. And you want me to give it back? They gave no explanation as to what/how they messed it up. They just demanded payment. Initially, I didn't really understand..thought, perhaps, they didn't know I'd already repaid my loan...once I realized what they were saying, I told them that if they could provide me with proof of the error, explaining what happened, I'd definitely repay it. Naturally, they never did that. So, for the last 10 years, I get periodic letters from collection agencies...I'm not paying something I don't know that I owe!!! Fuckthat! It hasn't affected my credit rating, that I know of....it's been checked... Assholes.