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Canada Student Loans Contact Details and Necessary Updates

Filed in Loan, Student Loan by on April 30, 2019


Canada Student Loans Contact Details and Necessary Updates

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.

Canada Student Loans

Canada Student Loans

It is offered to eligible full and part-time post-secondary students in most provinces and territories. Canadian citizens, permanent residents of Canada living in any province for over a year, and protected persons are normally eligible for loans provided by the federal government, through the CSLP, in addition to loans provided by their province of residence.

The CSLP was created in 1964. Since its inception, the Program has supplemented the financial resources available to eligible students from other sources to assist in their pursuit of post-secondary education. Between 1964 and 1995, loans were provided by financial institutions to post-secondary students who were approved to receive financial assistance.

The financial institutions also administered the loan repayment process. In return, the Government of Canada guaranteed each Canada Student Loan that was issued, by reimbursing the financial institution the full amount of loans that went into default.


To qualify, you must:

  1. Be a Canadian citizen, a permanent resident of Canada or designated as a protected person; or a person registered as Indian under the Indian Act;
  2. Be a permanent resident of a province or territory that issues Canada Student Loans (Note: The Northwest Territories, Nunavut, and Quebec operate their own student loan programs. Contact your provincial or territorial student financial assistance office for more information);
  3. demonstrate financial need;
  4. Be enrolled in at least 60 percent of a full course load (40 percent for students with permanent disabilities) if you are a full-time student;
  5. Be enrolled in 20-59 percent of a full course load if you are a part-time student (if you are a student with permanent disabilities and you are studying between 40-59 percent of a full course load, you can choose to be considered a student in full or part-time studies);
  6. Be enrolled in a degree, diploma or certificate program offered by a designated post-secondary school that runs for at least 12 weeks within a 15-week period;
  7. Pass a credit check if you are 22 or older and are applying for your first Canada Student Loan, and not have exhausted your maximum lifetime limit for financial assistance (including interest-free status).

How to Maintain your Loan

Stay in touch with your loan provider

Contact your loan provider(s) when you go back to school to check on the status of your loans and to update your contact information, if necessary.

  • For Integrated Student Loans (from Saskatchewan, Ontario, New Brunswick, British Columbia or Newfoundland and Labrador), full-time Canada Student Loans (from Yukon, Alberta, Manitoba, Nova Scotia, and Prince Edward Island) or part-time Canada Student Loans:
    • log in to the National Student Loans Service Centre (NSLSC) On-Line Services to check on the status of your loan and update your contact information if necessary; or
    • contact the NSLSC.
  • For provincial student loans, contact your provincial or territorial student assistance office directly.
  • For loans held by financial institutions, contact your financial institution for more information.

Inform your loan provider so they can keep your loan from having to be repaid before you finish school.

Provide proof of your ongoing studies

The NSLSC, provincial and territorial student financial assistance offices, and financial institutions all use the period of study end date associated with your Confirmation of Enrolment to calculate a six month non-payment period before your repayment starts.

If you return to school but don’t receive any additional loans, they have no way of knowing you have gone back to school. This is why it is important to keep all your loan providers up-to-date with your enrolment status.

Submit your Confirmation of Enrolment(Schedule 2) as proof that you are enrolled in school. All your lenders must receive Confirmation of Enrolment information, completed by your school within six months of your last confirmed period of the study end date.

This ensures your loan remains in interest-free status and that you do not have to begin repayment while you are still studying. If you are not taking out a new loan, you must still provide a Confirmation of Enrolment to your loan holders.

If you are taking out a new loan, your school will provide Confirmation of Enrolment as part of the process for full-time students.

The Certificate of Eligibility Part-time Student Loans and Grants contains a Confirmation of Enrolment section to be completed by your school.

Repayment Process

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.

  1. 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.
  2. Enrolment is not automatic and you must re-apply for this plan every six months.

You may qualify for repayment assistance if:

  1. you reside in Canada (or are on an international internship or are a reservist deployed abroad);
  2. at least six months have passed since you graduated or left school; and
  3. your loans are up to date.

If you have a permanent disability, you may qualify for RAP-PD if:

  1. your permanent disability has been assessed and recognized by the Canada Student Loans Program; and
  2. you are eligible for the Repayment Assistance Plan.

Applying for a Loan

To apply for repayment assistance:

  1. Complete an online application through your National Student Loans Service Centre (NSLSC) Online Services account (you must register for an online account first if you do not have one already); or
  2. Download and complete a RAP application and mail or fax it to the NSLSC.
  3. If you are applying for RAP-PD and would like your disability-related expenses or exceptional expenses to be considered, you can complete and submit a RAP-PD Expense Form with your application.

CSN Team

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