I have student loans that are past due, I believe in collections. I was in credit counceling and paying on them but I had a baby and couldn't afford to make those payments any more and had to back out of it. Now that I have the baby I realize I need to go back to school and finish if I want to be in a better situation. If I can catch up payments on my student loan can I reapply? Or if I declare bankruptcy when can the osap be included? I think its six years now but is that from the end of full time study? Any study? Or when the loans were applied for? I'm desperate to go back to school and am looking for any options that may be available to me. Even with my husband working full time things are tight, and it needs to change