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Government Funding - New Brunswick

New Brunswick has an integrated federal and provincial Student Loans Program, where both federal and provincial loans are accessed through a single application. All federal and provincial student loan, grant and bursary programs for post-secondary students in New Brunswick are administered by SFS at the Department of Post-Secondary Education, Training and Labour. The following is an overview of the general federal and provincial loans available in New Brunswick, as well as specific loans and grants available to students with permanent disabilities.

Student Loans

Student loans are available to provide financial assistance during the course of your education. The Canada Student Loans Program enables students to attend a post-secondary institution by providing them with loans to cover the costs of going to school. The amount of the loan is different for each student and is based on the individual’s assessed financial need. It is important to note, however, that Canada Student loans are meant to supplement your resources, not replace them.

Full-Time Student Loans

As a full-time student in New Brunswick, you are eligible for up to $210 per week in federal loans. One of the benefits of the full-time Student Loans Program is that it does not charge interest until you have left school. Interest accumulates from the month after you graduate or stop going to school, but you are not required to make payments until six months later.

As a full-time student in New Brunswick, you are also eligible for up to $140 per week in provincial loans.
To be eligible for a full-time student loan in New Brunswick:

  • You must be a resident of New Brunswick
  • You must be enrolled in a degree, diploma or certificate program that runs for at least 12 weeks in a 15-week period at a designated institution
  • You must be taking at least 60% of a full course load

Part-Time Student Loans

As a part-time student in New Brunswick, you are eligible for up to $10,000 total in federal loans.  Part-time Canada Student Loans differ from full-time loans in that interest accumulates while you are in school. However, part-time students are not required to make principal payments until they graduate or stop going to school.

To be eligible for a part-time student loan:

  • You must be enrolled in a degree, diploma or certificate program that runs for at least 12 weeks in a 15-week period at a designated institution
  • You must be taking between 20% to 59% of a full course load

Canada Student Loans for Students with Permanent Disabilities

The Canada Student Loans Program recognizes that physical and learning disabilities may mean that it takes longer to complete a program of study. As a student with a permanent disability in New Brunswick, your reduced requirements include:

  • For full-time funding: You must be enrolled in at least 40% of a full course load
  • For part-time funding: You must be enrolled in between 20% to 39% of a full course load. However, if you are studying between 40% to 59% of a full course load, you can choose to be considered a part-time student.
  • To accommodate a reduced course load, you have an extended eligibility of up to 520 weeks of study

To Apply for Student Loans in New Brunswick:

  • In order to receive notice of your funding before the beginning of classes: your completed application must be received at least four weeks before the start date of your program.
  • The final deadline for processing application forms: your completed application must be received at least six weeks before the end date of your period of study (four weeks if you are attending intersession or summer session).

New Brunswick Bursary

If a student in New Brunswick has an assessed financial need greater than the $140 per week provincial student loan maximum and they have received and cashed their Certificate(s) of Eligibility, then they are eligible for the New Brunswick Bursary. In this case, students are eligible for an additional $90 per week of study. This funding is available approximately two months before the end date of your period of study. Students must collect their cheque at their educational institution’s financial aid office.

Debt Reduction for Timely Completion Benefit

The Timely Completion Benefit is designed to help post-secondary graduates by addressing accumulated student loan debt and encouraging the successful completion of studies in a timely manner. Students who have total combined Canada and New Brunswick government student loans exceeding $26,000 will have 100% of their loans in excess of the combined $26,000 forgiven.

If you are not aware of your total combined student loan debt you can access this information by contacting the National Student Loans Service Centre (1-888-815-4514).

To be eligible for the Timely Completion Benefit, completed applications must be received at least seven months before your graduation date. Applications are available online at www.studentaid.gnb.ca

Federal Grants for Students with Permanent Disabilities

As a student with a permanent disability in New Brunswick, you are eligible to receive:

A Canada Student Grant for Students with Permanent Disabilities

You may receive $2,000 per school year to help cover the costs of accommodations, tuition and books. This grant may exceed your accessed need. For example, if your accessed need is determined to be $1,200, you may still receive a non-repayable grant for $2,000.

How to apply for a Canada Student Grant for Students with Permanent Disabilities:

There is no separate application for this grant. Your eligibility will be automatically assessed if you include verification of permanent disability when applying for a full-time Canada Student Loan.

A Grant for Services and Equipment for Students with Permanent Disabilities

You may receive up to $8,000 per school year to cover exceptional education-related costs associated with your disability.

How to apply for a Grant for Services and Equipment for Students with Permanent Disabilities:

  • There is a separate application for this grant which can be accessed at  www.studentaid.gnb.ca 
  • You must also provide written confirmation from a person qualified to make this confirmation, that you have exceptional education-related costs associated with your disability.
  • You must provide the exact cost of the equipment or services.

Permanent Disability Benefit

Students with severe permanent disabilities in New Brunswick are eligible for the Permanent Disability Benefit. If you have a severe permanent disability, you may have your loans immediately forgiven. For more information on the Permanent Disability Benefit or on what qualifies as a severe permanent disability visit: http://www.canlearn.ca/eng/after/cant/hpd.shtml

Repayment Assistance Plan for Borrowers with Permanent Disabilities

Students with permanent disabilities who are having difficulty paying back their student loans are eligible for the Repayment Assistance Plan for Borrowers with Permanent Disabilities (RAP-PD). RAP-PD makes debt repayment easier for students with permanent disabilities by allowing them to pay back what they can reasonable afford.

Under RAP-PD:

  • Loan payments are base on family income, family size and disability related expenses
  • Students will not make loan payments exceeding 20% of their income (on loans covered by RAP-PD)
  • In some cases, students will not have to make any loan payments until their income increases
  • No student with a permanent disability should have a repayment period longer than 10 years

Training and Employment Support Services for Students with Permanent Disabilities (TESS)

Training and Employment Support Services assists individuals with permanent or long-term disabilities to gain access to training and employment opportunities. Information about the TESS Program, and/or a meeting with a case manager, can be obtained through the local office of the Provincial Department of Human Resources Development. These offices are located in major cities and towns across New Brunswick; check your telephone directory for the office nearest you. For more information, students can access the web site: http://app.infoaa.7700.gnb.ca/gnb/Pub/EServices/ListServiceDetails.asp?ServiceID1=17056&ReportType1=ALL

For general inquiries regarding financial assistance, you may contact:
Student Financial Services
Telephone: 1- 506-453-2577
Toll-free: 1-800-667-5626
www.studentaid.gnb.ca