Canadian Lawyer 4Students

C A N A D I A N L a w y e r 4STUDENTS AUGUST 2018 63 port found that higher debt levels had negatively impacted the men- tal health of students. An Ipsos poll commissioned on behalf of RBC Economic Research found that more than 50 per cent of respondents with student debt didn't have enough savings in case of emergency, while more than 40 per cent had put off buying a home or weren't saving enough for retirement. Unlike loans issued under the Canada Student Loan program, private lines of credit can be discharged in bankruptcy at any time aer the student graduates. (CSLP loans can only be discharged seven years aer graduation — five if the student can show demonstrable financial duress). However, that carries with it other burdens — dis- charging debt negatively impacts credit and makes it difficult to make other large purchases in the future. What all this means is that, by and large, "the same kind of people" — says Donkers — are getting accepted to law school and becoming lawyers. "e classes are, by and large, filled with people who have had either lawyers as parents or family members or just professional people who have been highly educated," she says. eir families can provide financial and emotional support, providing them with guid- ance about how to navigate white collar professions. "We're excluding the many groups of people and the many indi- viduals who haven't had that kind of guidance [or] financial support." Tronin completed her degree this year. She got an articling position in the field she wanted — family law. But her perspective on what a legal career is has changed. "Going into law school, I thought law would be, I don't know, not a working- class profession." But with her debt load — now more than $90,000 — and the lower comparative pay of family law versus corporate law or working at a Bay Street Firm means that, for all intents and purposes, her financial reality is much different than what she thought it would be aer becoming a lawyer. "People don't talk about money," Tronin says, reflecting on a cul- ture at school where it even felt impolite to talk about finances. She hopes that she'll find an associate position aer her articling is done, so she can start chipping away at her debt. "I don't really know what kind of future I'm looking at," Tronin says. "It's so hard to say." features 4S © 2018 Thomson Reuters Canada Limited 00250JA-91931-NP Your portable source for fully annotated municipal legislation Available risk-free for 30 days Online: store.thomsonreuters.ca Call Toll-Free: 1-800-387-5164 In Toronto: 416-609-3800 Order # L7798-7916-65203 $132 Softcover approx. 1200 pages December 2017 978-0-7798-7916-8 Annual volumes supplied on standing order subscription Multiple copy discounts available Shipping and handling are extra. Price(s) subject to change without notice and subject to applicable taxes. For many years, Ontario municipalities, municipal officers, and lawyers have relied on annual editions of Ontario Municipal Law: A User's Manual for answers to complex issues. In this edition, leading authorities George Rust-D'Eye, Ophir Bar- Moshe and Andrew James offer a current, comprehensive and easy-to-use source of municipal law and practice. Features of the 2018 edition • The key municipal statutes, fully annotated with case law and applicable regulations: – Municipal Act, 2001 – Municipal Conflict of Interest Act – Municipal Elections Act, 1996 – 32 practical statutory checklists clarifying the legislative requirements – Table of Concordance between the Municipal Act, 2001 and the City of Toronto Act, 2006 • Current to October 2017, legislative amendments include those introduced by former Bill 68 – now the Modernization Act, S.O. 2017, c. 10 – presented as follows: – Amendments in force as of January 1, 2018 have been incorporated into the full text of the Act – Amendments to come into force March 1, 2019, as well as those that have not yet been proclaimed, are included in in grey shading New Edition Ontario Municipal Law: A User's Manual 2018 George Rust–D'Eye, Ophir Bar-Moshe, and Andrew James

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