What is the ruling on borrowing from the Canadian government to complete one's studies, and what should I do now that they have started imposing an increased interest rate on the debt, and I am unable to repay it in full at present?

The principal amount of the loan must be repaid, but the usurious interest does not need to be paid; in fact, one can avoid it. The circumstances should be explained to the lending party. This is part of the ill-effects of usury, so one must repent to Allah. Supplications have been narrated from the Prophet, peace and blessings be upon him, for relieving distress and settling debts, among them: "O Allah, I seek refuge in You from anxiety and sorrow, and I seek refuge in You from inability and laziness, and I seek refuge in You from cowardice and stinginess, and I seek refuge in You from the burden of debt and the oppression of men," and "O Allah, suffice me with what You have made lawful so that I am not in need of what You have made unlawful, and enrich me by Your grace so that I am not in need of anyone other than You."