Provincial and Territorial Information for Canada Student Loans and Grants
The Government of Canada works with most provincial or territorial governments to deliver federal and provincial student loans and grants.
- In Ontario, British Columbia, Saskatchewan, New Brunswick, and Newfoundland and Labrador the Government of Canada and the provincial governments work together to provide financial assistance through Integrated Student Loans and Grants.
- In Alberta, Manitoba, Nova Scotia and Prince Edward Island, Canada Student Loans and Grants are available alongside provincial or territorial student financial assistance.
- In Yukon, only Canada Student Loans and territorial Grants are available to permanent residents of the Yukon.
- In Nunavut, the Northwest Territories and Quebec, Canada Student Loans and Grants are not available. These jurisdictions operate their own student loan programs.
Canada Student Loans
When you apply and qualify for student financial assistance, you are automatically assessed for Canada Student Loans and Canada Student Grants. Government student loans are based on your assessed financial need.
Canada Student Loans are offered by the Government of Canada to help students pay for post-secondary education at a designated college, university, or other post-secondary institution. It is offered to eligible full- and part-time post-secondary students in most provinces and territories.
For more information, consult the provincial and territorial information for student loans and grants page or contact your province or territory’s student financial assistance office.
Next steps:
- Eligibility
- Apply [information about applying as full-time or part-time student]
- After You’ve Applied
Is a Canada Student Loan not applicable to you? Use the Benefits Finder to find other Government of Canada, provincial, or territorial benefits.
Canada Student Grants
Canada Student Grant for Students with Permanent Disabilities
The Canada Student Grant for Students with Permanent Disabilities is available for each year of your studies as long as you still qualify.
Note: This Grant is not available to students from the Northwest Territories, Nunavut and Quebec as these provinces and territories operate their own student financial assistance programs.
To apply for the Canada Student Grant for Students with Permanent Disabilities and/or the Canada Student Grant for Services and Equipment for Students with Permanent Disabilities, please contact your province or territory’s student financial assistance office.
Canada Student Grant for Services and Equipment for Students with Permanent Disabilities
If you require exceptional education-related services or equipment, you may be eligible to receive the Canada Student Grant for Services and Equipment for Students with Permanent Disabilities.
The assistance provided under this grant is determined apart from your assessed need.
To apply for the Canada Student Grant for Students with Permanent Disabilities and/or the Canada Student Grant for Services and Equipment for Students with Permanent Disabilities, please contact your province or territory’s student financial assistance office.
Note: A separate application form is required to apply for the Canada Student Grant for Students with Permanent Disabilities.
Repayment Assistance Plan
The Repayment Assistance Plan (RAP) and the Repayment Assistance Plan for Borrowers with a Permanent Disability (RAP-PD) makes it easier for you to manage your student loan debt by reducing your monthly payment.
- Your monthly student loan payments would either be reduced or you would not have to make any payments, depending on your financial situation. If you have a permanent disability, it could also depend on your permanent disability-related expenses, which include allowable uninsured medical expenses, special care and other expenses directly related to your permanent disability.
- Enrollment is not automatic, and you must re-apply for this plan every six months.
Note: If your loans were issued to you by Prince Edward Island or Manitoba, you must apply directly to your province for repayment assistance for your provincial loan. Contact your provincial student financial assistance office to find out more.
Having trouble paying your student loan? Enter your loan information in the Repayment Assistance Estimator to see if you are eligible to receive repayment assistance.The Registered Disability Savings
Plan and the Canada Disability Savings Grant and Bond
The Registered Disability Savings Plan (RDSP) is a long-term savings plan to help Canadians with disabilities and their families save for the future. If you have an RDSP, you may also be eligible for grants and bonds to help with your long-term savings.
You should consider opening an RDSP if you have a long-term disability and are:
- eligible for the Disability Tax Credit;
- under the age of 60 (if you are 59, you must apply before the end of the calendar year in which you turned 59);
- a Canadian resident with a Social Insurance Number (SIN); and
- looking for a long-term savings plan.
You may contribute any amount to your RDSP each year, up to the lifetime contribution limit of $200,000. With written permission from the RDSP holder, anyone may contribute to the RDSP
See more national government funding for people with disabilities: Government of Canada Disability Benefits Page
Last Updated: 2023-01-03