Unfortunate, it is not uncommon for Canadians to struggle to repay their student loans. Once you’ve missed payment for more than 9 months, the loan is transferred to the CRA for collections. Interests continue to accumulate, even if CRA no longer “actively” take collection action after several years. Once an individual is in this situation, any tax credits and tax refunds an individual may qualify for is automatically garnished and applied to the debt.
One of the emergency measures to support low and modest income earners during the pandemic is an increase in the Goods and Service Tax Credit (GSTC) this year, doubling the maximum GSTC amount, providing an average boost of $400 for single individuals and close to $600 for couples. While this measure will bring much needed relief to those who qualify, we are concerned that this tax credit will not reach those whose student loans are in default and in collections. We have similar concerns for the Emergency Care Benefit, which will also be administered through the CRA.
People applying for proof of Canadian citizenship are now facing a projected wait of about 19 months, as Immigration, Refugees and Citizenship Canada’s public processing-time tool shows about 99,500 people waiting for a decision.
The July 7 update marks a sharp increase for citizenship certificate applications, also known as proof of citizenship. In April, the wait for the same category was listed at 10 months, with 56,300 applications in line, according to a CIC News report tracking IRCC’s processing-time. By May 12, the wait had risen to 12 months and the queue to about 70,400, according to Moving2Canada. The same platform said the queue stood at 40,400 on Dec. 10, 2025, five days before changes to Canada’s Citizenship Act took effect.
A citizenship certificate is not the same as a citizenship grant. A grant is for permanent residents applying to become citizens. A certificate is proof that someone is already Canadian under the law, including people born outside Canada to Canadian parents, people replacing older proof-of-citizenship documents, and people whose citizenship may have been restored or recognized because of recent legal changes.
The certificate can matter for practical reasons. IRCC says people who believe they may have become citizens under Bill C-3 — the law that changed Canada’s citizenship-by-descent rules — must apply for a citizenship certificate to confirm their status. The document can also be used to apply for a Canadian passport.
Bill C-3 changed Canada’s first-generation limit on citizenship by descent and came into force on Dec. 15, 2025. Under the new rules, some individuals whose connection to a Canadian citizen extends beyond one generation are eligible to apply for citizenship by descent.
NDP immigration critic Jenny Kwan said IRCC should publish more detailed information, including how many proof-of-citizenship applications are waiting, what counts as non-routine and how many files have been designated that way.
“Publishing a single processing time creates false expectations and leaves applicants unable to plan their lives,” Kwan said in a written response. “It doesn’t work as public policy and it doesn’t work for the people applying.”
She said delays have real consequences.
“People can’t obtain passports, travel, access opportunities, or fully exercise their rights as Canadians,” she said. “Effectively their lives are in limbo.”
