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Government Funding - Newfoundland and Labrador

Newfoundland and Labrador has an integrated federal and provincial Student Loans Program, where both federal and provincial loans are accessed through a single application. The following is an overview of the general federal and provincial loans available in Newfoundland and Labrador, 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 Newfoundland and Labrador, 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 Newfoundland and Labrador, you are also eligible for up to $60 per week in provincial loans.

To be eligible for a full-time student loan in Newfoundland and Labrador:

  • You must be a resident of Newfoundland and Labrador
  • 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 Newfoundland and Labrador, 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 Newfoundland and Labrador, 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 Newfoundland and Labrador:

  • The deadline for applications is eight weeks after the start of classes for a given semester, however students are encouraged to apply as early as possible.
  • You must apply for a student loan each year, as a single application will generally cover two semesters (a supplementary application is available for those who require assistances for a third semester in a given year).

Up-front Provincial Grants

If a student in Newfoundland and Labrador has an assessed financial need greater than the $60 per week provincial student loan maximum, they are eligible for the up-front provincial grant. In this case, a non-repayable grant will be issued six weeks after the start of the semester, provided the student has submitted an Income Confirmation Form. Students can receive up to $80 per week in non-repayable grants, with the exception of Eligible Memorial University of Newfoundland medical students who can access up to $90 per week in non-repayable grants.

Federal Grants for Students with Permanent Disabilities

As a student with a permanent disability in Newfoundland and Labrador, 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.

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: http://www.ed.gov.nl.ca/edu/forms/studentaid/disability.pdf
  • 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 Newfoundland and Labrador 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

For general inquiries or additional information regarding your application, you may contact the Student Aid Office in St. John's at:

Student Aid Division
Tel.: 709-729-5849
Fax: 709-729-2298
Toll-free: 1-888-657-0800
www.edu.gov.nl.ca/studentaid