Mr. Chair and members of the committee, thank you for the opportunity to appear today.
My name is Ayla Azad. I have been a chiropractor for 30 years, and I am the CEO of the Canadian Chiropractic Association.
Today, I am speaking on behalf of the CCA, which represents more than 9,000 doctors of chiropractic across Canada. More importantly, I am speaking on behalf of the millions of Canadians living with pain, limited mobility and physical disability who rely on access to musculoskeletal care to live and work.
Each year, 4.7 million Canadians seek care from chiropractors. These are seniors trying to stay independent, parents working physically demanding jobs, or people managing chronic pain or injury who simply want to keep moving, stay employed and participate in their communities.
Chiropractors are primary contact health care providers, trained to diagnose and manage musculoskeletal conditions using evidence-based, non-invasive, drug-free care. For many patients, access to chiropractic care is the difference between functioning and not functioning.
Today, we are here to discuss clause 573 of Bill C-15 and the unintended consequences these provisions could have on patient access, particularly in rural, northern and underserved communities.
Canada faces a significant training bottleneck for chiropractic. There are only two chiropractic education programs in the entire country—one in English at the Canadian Memorial Chiropractic College in Toronto, and one in French at Université du Québec à Trois-Rivières.
Two programs cannot meet the workforce needs of a nation this size. As a result, approximately 30% of Canadian chiropractors are educated in the United States or internationally at fully accredited institutions. This is not a loophole. It is a necessity to meet Canada's health care needs.
As currently drafted, Bill C-15 risks cutting off access to federal student financial assistance for students who must study outside Canada at private or for-profit institutions, even when they return home to practise and serve Canadian patients. Chiropractors are also excluded from the Canada student loan forgiveness program despite providing essential care in high-need communities.
If these barriers remain, patients will pay the price. Canada is already facing a serious health human resource crisis, with many Canadians unable to access care and experiencing long wait times and delays to receive timely treatment.
From a fiscal perspective, maintaining access to student financial assistance and loan forgiveness for chiropractors is a low-cost policy choice that helps prevent higher downstream spending on emergency care, disability supports and long-term income replacement.
In rural and remote communities, chiropractors are often the only accessible providers for pain and mobility care. When student debt makes it financially impossible to practise in these regions, care is delayed or disappears altogether. Pain worsens. Disability increases. People leave the workforce. In many cases, medications such as opioids become the default, not by choice but by lack of access to hands-on, non-pharmacological care.
Student loan forgiveness and continued access to the Canada student financial assistance program can be the difference for a chiropractor between staying in a community and never coming back at all. Also, for patients, it can be the difference between independence and disability.
This is not about supporting one profession. It is about supporting patients. It is about ensuring that Canadians, no matter where they live, can access timely, non-invasive care that keeps them mobile, working and connected to their communities.
The Canadian Chiropractic Association is asking for a practical and targeted solution. Ensure that chiropractic students retain access to federal student financial assistance and that graduates are eligible for student loan forgiveness when they practise in Canada, regardless of where they are trained, provided that their education is, of course, accredited. This is a workforce issue; it is an access issue, and it is, above all, a patient issue.
Thank you for your time. I welcome your questions.