Fatumo  spent most of long life (she is over 80) in her native Somalia.  She never had an opportunity to go to school, or  even to learn to read or write, but she raised six children. 
                  1991  brought disaster in the form of civil war.   Fatumo’s two sons were killed and she fled the country with her daughter  and three grandchildren.  The family  spent sixteen years as refugees in Kenya, before finally being resettled to  Canada in 2007. 
                  The  family is extremely happy that they finally have a peaceful life.  But settling in presents them with many new  challenges: bills, a different life style, food that is unfamiliar and language  barriers. 
                  Two  months after they arrived, each family member received a notice from Citizenship  and Immigration Canada stating that they must start repaying their transportation  loan.  They were stunned because they had  not expected that they would be asked for money so soon.  They ask: “How can we repay the loan when we  do not have a job? The government allocated a little money for us so that we  can pay for rent, food, telephone and transportation (bus passes). We cannot  see where the money will come from to pay for the transportation loan.”
                  Fatumo  says: “Those who brought me here know what they should do and how we live with  the money they provide.  Does the  government of Canada expect this old refugee woman to repay the loan?  How can the government that feeds us with its  wheat ask for money from me?” 
                  Fatumo  cannot work, walk or see.  One day an  English-speaking friend was visiting when Fatumo received a call from a man demanding  payments on the loan. The family asked the friend to tell the man that Fatumo is  fragile, cannot work and cannot repay the money. The man was very aggressive  and insisted that they borrowed money from the government and they should pay.  He told them he does not want to hear any excuses:  he wants money.  The family was  terrified. Based on their bad experience with government in their home country,  Fatumo and her family thought they might be deported by the Canadian government. 
                  From the money earned by two of the family  members, they managed to pay the loans for three of the family members.  But they still face the remaining balance, the  interest, the man on the phone with a bad voice, and the threat that their file  will be passed to a collection agency.
 
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