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Government Funding - Saskatchewan

Saskatchewan 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 Saskatchewan, 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 Saskatchewan, 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 Saskatchewan, you are also eligible for up to $140 per week in provincial loans.

To be eligible for a full-time student loan in Saskatchewan:

  • You must be a resident of Saskatchewan
  • 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 Saskatchewan, 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 Saskatchewan, 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 Saskatchewan:

  • 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).

Saskatchewan Student Bursary

The Saskatchewan Student Bursary is available for students who study at the undergraduate or below level. Students may receive up to $140 per week of study to maintain student loan debt at $210 per week of study. The Saskatchewan Student Loan Bursary is credited to the student’s account at the end of each study period.

Federal Grants for Students with Permanent Disabilities

As a student with a permanent disability in Saskatchewan, 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:

Permanent Disability Benefit

Students with severe permanent disabilities in Saskatchewan 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 additional information regarding financial assistance available in Saskatchewan, contact:
Student Financial Assistance Branch
Tel.: 306-787-5620 (Regina area and outside Canada)
Toll-free: 1-800-597-8278
www.student-loans.sk.ca