Apply for student-loan repayment assistance
What if I cannot afford my student loan payments?
The Repayment Assistance Plan can reduce required payments, potentially to zero, after an eligibility and income assessment. Apply through the National Student Loans Service Centre and check whether your provincial loan needs separate action.
Where to begin
- Confirm your loans are in repayment and check payment-standing, residency and family-income conditions.
- Gather the requested household and loan information, and choose RAP or the disability-related route where applicable.
- Apply through NSLSC using the official sign-in link, or submit the published application form by mail.
- Read the decision and payment terms. Reapply every six months if you need continued assistance, and contact your provincial loan office where required.
Before you open the official service
- Loan-account details and the requested family-income information.
- Any disability-related documentation requested by the applicable plan.
Keep your actual documents and account details off this website. Use the official service’s current checklist before applying.
What to check for your situation
Assistance is assessed, not automatic. Federal and provincial conditions can differ; PEI borrowers must also apply provincially. Returning-to-study restrictions may apply once federal principal assistance has begun.
Fees, processing times and document rules can change. This page helps you navigate; it does not confirm eligibility or replace the government’s instructions.
Official sources
canada.ca · Official websiteCanada.ca — Repayment Assistance PlanThe Repayment Assistance Plan (RAP) can reduce required payments, possibly to zero, after a family-income assessment. Loans must be in repayment and payment-standing and residency conditions apply. Apply through the National Student Loans Service Centre (NSLSC) or the official mail form, and reapply every six months. PEI borrowers also apply provincially; future funding restrictions can follow federal principal assistance, with a RAP-D exception.Checked
Prepared by Active K Digital from the linked public guidance. Read our source approach.