{"id":210647,"date":"2025-09-07T11:30:00","date_gmt":"2025-09-07T15:30:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/student-loans-canada\/"},"modified":"2025-09-21T10:59:47","modified_gmt":"2025-09-21T14:59:47","slug":"student-loan-canada","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/personal-finance\/student-loan-canada\/","title":{"rendered":"Student loans in Canada: Everything you need to know"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Post-secondary education represents a major investment, but also a financial challenge. Between tuition, housing and day-to-day expenses, many <a href=\"https:\/\/milesopedia.com\/en\/students-in-canada\/\">students<\/a> turn to <strong data-start=\"322\" data-end=\"339\">student loans<\/strong> to cover their needs. This type of financing offers essential support, but you&#8217;ll have to pay it back after your studies. Conditions vary from province to province, so understanding how <strong data-start=\"573\" data-end=\"590\">student loans<\/strong> work in Canada is essential to making informed decisions.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"373916\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Canada Student Financial Assistance Program&#8221; css=&#8221;&#8221; el_id=&#8221;canada_student_financial_assistance_program&#8221;][vc_custom_heading text=&#8221;Government of Canada loans and grants&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;government_of_canada_loans_and_grants&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>If you can&#8217;t afford the tuition fees for your post-secondary education, consider applying for financial assistance from the Government of Canada. This financial aid includes scholarships, bursaries and <strong>student loans<\/strong>.<\/p>\n<p>Even if your parents have saved for your post-secondary education through an <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/investing\/registered-education-savings-plan-resp-guide\/\">RESP<\/a>, taking out a loan through the <a target=\"_blank\" href=\"https:\/\/www.canada.ca\/en\/employment-social-development\/programs\/canada-student-loans-grants.html\">Canada Student Financial Assistance Program<\/a> should be your first option. This program works in partnership with the provinces and territories (the process varies depending on your province of residence) to provide financial assistance in the form of scholarships and student loans.<\/p>\n<p>You don&#8217;t have to pay back any scholarships you receive. In the case of student loans, you must repay them after your studies are completed. You may be eligible for several types of scholarship.<\/p>\n<p>[\/vc_column_text][vc_message css=&#8221;&#8221;]<\/p>\n<p>Canada Student Loans and Bursaries are not available in Quebec, Nunavut and the Northwest Territories, which have their own student aid programs.<\/p>\n<p>[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;National Student Loan Service Center (NSLSC)&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;national_student_loan_service_center_nslsc_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a target=\"_blank\" href=\"https:\/\/www.csnpe-nslsc.canada.ca\/en\/home\">National Student Loans Service Centre<\/a> (NSLSC) distributes loans under the Canada Student Loans Program. The amount of financial assistance will depend on several factors, such as&nbsp;:<\/p>\n<ul>\n<li>Your province or territory of residence<\/li>\n<li>Your family income<\/li>\n<li>Your tuition fees<\/li>\n<li>Whether or not you have dependents<\/li>\n<li>If you are disabled or not<\/li>\n<li>Etc.<\/li>\n<\/ul>\n<p>To estimate the amount of financial assistance you could receive, you can use this <a target=\"_blank\" href=\"https:\/\/certification.esdc.gc.ca\/lea-mcl\/eafe-sfae\/eafe-sfae-h.4m.2@-eng.jsp\">tool from the Government of Canada<\/a>. Please note, however, that the tool does not take into account provincial student grants and loans.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;461466&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][vc_single_image image=&#8221;461468&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Conditions for obtaining a federal student loan&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;conditions_for_obtaining_a_federal_student_loan&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>To qualify for CSNPE <strong>student grants and loans<\/strong>, you must meet the following conditions:<\/p>\n<ul>\n<li>Be a Canadian citizen, permanent resident, or <a target=\"_blank\" href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/education\/student-aid\/protected-persons.html\">designated as a protected person<\/a>.<\/li>\n<li>Live in a province or territory that participates in the Canada Student Loans Program.<\/li>\n<li>Demonstrate financial need (for full-time students, your financial assets and investments will be taken into consideration).<\/li>\n<li>Maintain a satisfactory academic level to continue receiving financial aid in the form of a scholarship or student loan.<\/li>\n<li>Not have reached the lifetime maximum for student financial assistance<\/li>\n<\/ul>\n<p>You must also be registered as a full-time or part-time student, defined as follows:<\/p>\n<ul>\n<li>Full-time student: you must take at least 60% of a full course load. However, there are exceptions for students with a disability (at least 40%).<\/li>\n<li>Part-time student: you must take between 20% and 59% of a full course load.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_message css=&#8221;&#8221;]<\/p>\n<p>Quebec, Nunavut and the Northwest Territories operate their own student loan programs. You should therefore contact their respective provincial or territorial offices to find out more about their terms and conditions.<\/p>\n<p>[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;List of federal student grants&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;list_of_federal_student_grants&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">There are several student grants available for which you can apply, including&nbsp;:<\/p>\n<ul>\n<li>Full-time students<\/li>\n<li>Full-time students with dependents<\/li>\n<li>Part-time students<\/li>\n<li>Part-time students with dependents<\/li>\n<li>Students with disabilities<\/li>\n<li>Equipment and services for students with disabilities<\/li>\n<\/ul>\n<p>Please note, however, that your eligibility for these grants will be assessed. In addition, there are lifetime maximums for student aid, determined in number of weeks.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Applying for student financial assistance&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;applying_for_student_financial_assistance&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>To apply for federal and provincial student financial assistance programs, you only need to complete one application. All you need to do is submit an application for a bursary or <strong>student loan<\/strong> on the student financial assistance website for your province or territory of residence.<\/p>\n<p>For some provinces and territories, you may be eligible for both federal and provincial grants and student loans. For others, it&#8217;s only federal grants and loans. Finally, in the case of provinces and territories that manage their own student loan programs, only provincial grants and student loans are involved. For example, <a href=\"https:\/\/www.quebec.ca\/en\/education\/student-financial-assistance\">Quebec&#8217;s Student Financial Assistance<\/a>.<\/p>\n<p>In short, consult the list of provincial and territorial student aid offices on the <a target=\"_blank\" href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/education\/student-aid\/grants-loans\/province-apply.html\">Government of Canada website<\/a> for more information.<\/p>\n<p>Once you&#8217;ve submitted your application, your provincial or territorial student assistance service will contact you to explain the next steps.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Repayment of a student loan&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;repayment_of_a_student_loan&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Once you&#8217;ve completed your studies, you must start repaying your <strong>student loan<\/strong>. However, you are entitled to a 6-month non-repayment period, which generally begins after your last term of study or when you leave or are absent from school. Thereafter, you will receive a payment review with repayment conditions and options.<\/p>\n<p>Be aware that you may be able to delay repayment of your <strong>student loan<\/strong> if you are still a full-time student, or if you need to take a break from your studies for health reasons. There are other exceptions.<\/p>\n<p>If you are experiencing financial difficulties and are unable to repay your <strong>student loan<\/strong>, the Government of Canada can help you through these programs:<\/p>\n<ul>\n<li>Repayment Assistance Plan (RAP);<\/li>\n<li>Repayment Assistance Plan for Borrowers with Disabilities (RAP-D).<\/li>\n<\/ul>\n<p>Depending on your income, you may be entitled to a reduction or cancellation of your payments. To find out more, consult the CSNPE <a target=\"_blank\" href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/education\/student-aid\/grants-loans\/repay\/assistance\/rap.html\">Refund Assistance Program<\/a>.<\/p>\n<p>Finally, new relief for certain professionals in rural areas has been added starting in 2025. Specifically, student loan repayments may be waived for health and social service professionals working in rural or remote communities. To find out more about this program, consult this <a target=\"_blank\" href=\"https:\/\/www.canada.ca\/en\/employment-social-development\/news\/2025\/02\/helping-health-care-and-social-service-professionals-focus-on-patients-not-student-loan-debt.html\">press release from the Government of Canada<\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Interest paid on a student loan&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;interest_paid_on_a_student_loan&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>As mentioned earlier, your <strong>student loan<\/strong> starts accruing interest after you graduate. What&#8217;s more, you&#8217;re entitled to a grace period before you have to start repaying your <strong>student loan<\/strong>. The grace period lasts 6 months and begins when&nbsp;:<\/p>\n<ul>\n<li>You&#8217;ve completed your final term of study (whether you&#8217;ve graduated or not)<\/li>\n<li>Changing from full-time to part-time student status<\/li>\n<li>You leave or are absent from the school.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Online tools for Student loan&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;online_tools_for_student_loan&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">The Government of Canada offers a number of online tools to help you plan your finances while you study. For example:<\/p>\n<ul>\n<li><a target=\"_blank\" href=\"https:\/\/certification.esdc.gc.ca\/lea-mcl\/eafe-sfae\/eafe-sfae-h.4m.2@-eng.jsp\">Student Aid Estimator<\/a>: tool for estimating the amount you could receive from the Canada Student Financial Assistance Program.<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/tools.canlearn.ca\/cslgs-scpse\/cln-cln\/crp-lrc\/af.nlindex-fra.do\">Loan Repayment Estimator<\/a>: a tool for estimating the monthly payments you&#8217;ll need to make to repay your <strong>student loan<\/strong>.<a target=\"_blank\" href=\"https:\/\/tools.canlearn.ca\/cslgs-scpse\/cln-cln\/rtr-rri\/af.rri-fra.do\"><br \/>\n<\/a><\/li>\n<li>Loan repayment rate: tool for finding the repayment percentage of Canada Student Loans for a given year and educational institution.<\/li>\n<li><a target=\"_blank\" href=\"https:\/\/www.canada.ca\/fr\/services\/prestations\/education\/ecoles.html\">Programs of study and educational institutions<\/a>: a tool for exploring programs of study and educational institutions.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Provincial and territorial student loans in Canada&#8221; css=&#8221;&#8221; el_id=&#8221;provincial_and_territorial_student_loans_in_canada&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>As previously mentioned, the <a target=\"_blank\" href=\"https:\/\/www.canada.ca\/en\/employment-social-development\/programs\/canada-student-loans-grants.html\">Canada Student Loans Program<\/a> works closely with the provinces and territories to provide financial assistance. This financial assistance comes in the form of scholarships and student loans, and varies according to your province of residence.<\/p>\n<ul>\n<li data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">For some provinces and territories, provincial financial assistance is available in addition to federal financial assistance.<\/li>\n<li data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">For other provinces and territories, provincial financial assistance is not available, but you have access to federal financial assistance.<\/li>\n<li data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Finally, for provinces and territories that manage their own student loan programs, federal financial assistance is not available. But you do have access to provincial student loans and bursaries.<\/li>\n<\/ul>\n<p>Therefore, your application for a bursary or student loan must be completed on the website of your provincial or territorial student aid office. The list of provincial and territorial student aid offices is available <a target=\"_blank\" href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/education\/student-aid\/grants-loans\/province-apply.html\">here<\/a>.<\/p>\n<p>Once you&#8217;ve submitted your application for a bursary and student loan, the student assistance service in your province or territory of residence will contact you to explain the next steps.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Student loans in Quebec&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;student_loans_in_quebec&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>For example, Canada Student Loans and Bursaries are not available in Quebec, as the province of Quebec manages its own student aid program. Students residing in Quebec must apply for assistance through <a target=\"_blank\" href=\"https:\/\/www.quebec.ca\/en\/education\/student-financial-assistance\">Student Financial Assistance<\/a>.<\/p>\n<p>Several scholarships and student loans are available, such as&nbsp;:<\/p>\n<ul>\n<li data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Loans and bursaries for full-time studies<\/li>\n<li data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Loans for part-time studies<\/li>\n<li data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Special needs allowance<\/li>\n<li data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Scholarships for interns<\/li>\n<li data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Excellence scholarships for future teachers<\/li>\n<li data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Financial assistance for international students<\/li>\n<li data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Student mobility grants<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Private student loans in Canada&#8221; css=&#8221;&#8221; el_id=&#8221;private_student_loans_in_canada&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>If you don&#8217;t qualify for federal or provincial student loans and grants, there are other options available to you. These include private <strong>student loans<\/strong> and student lines of credit. The conditions are different, and so are the repayment terms, but it&#8217;s an option to consider for your post-secondary education.<\/p>\n<p>If this is the route you choose, start by contacting your bank or credit union. They&#8217;ll be able to suggest the products they offer to suit your needs. That said, don&#8217;t hesitate to contact other financial institutions to compare student loans and lines of credit.<\/p>\n<p>Typically, when you submit an application for a private <strong>student loan<\/strong>, the lender will ask you for more information, such as:<\/p>\n<ul>\n<li>Your income<\/li>\n<li>Your <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/101-credit-score\/\">credit score<\/a><\/li>\n<li>Your borrowing history<\/li>\n<\/ul>\n<p>This information will determine whether you qualify for the loan. If possible, make sure you&#8217;re in good financial health before you apply. If you have a low credit score, the lender may ask you to find a co-signer before granting the loan. To find out more, see our <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/personal-finance-tips-students\/\">personal finance tips for students<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"163762,299217,86318,116403\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; css=&#8221;&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In conclusion, bursaries and <strong data-start=\"124\" data-end=\"141\">student loans<\/strong> are essential tools for financing the ever-increasing cost of education in Canada. Even if it means taking on debt, you need to see this financing as an investment in your knowledge and skills.<\/p>\n<p>The <a target=\"_blank\" href=\"https:\/\/www.canada.ca\/en\/employment-social-development\/programs\/canada-student-loans-grants.html\">Canada Student Financial Assistance Program<\/a>, in collaboration with the provinces and territories, offers various forms of support adapted to your situation. Since criteria and terms and conditions vary from place to place, be sure to consult the official website of your student financial assistance office to fully understand your options.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"252943,368157,299217,294907,163762,294822\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t\t\t\t<button type=\"button\" class=\"deferred_button\" data-page=\"1\" data-per_page=\"4\">\n\t\t\t\t<i class=\"fas fa-spinner-third fa-spin\"><\/i>\n\t\t\t\tLoad More\t\t\t<\/button>\n\t\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;How do student loans work in Canada?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>A <strong>student loan<\/strong> covers your tuition and living expenses. You start repaying it when you graduate, according to the terms and conditions specific to each province.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What&#8217;s the difference between a bursary and a student loan?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>A bursary is financial aid that does not have to be repaid, unlike a <strong>student loan<\/strong>, which must be repaid after your studies.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What is the interest rate on a student loan?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>The interest rate on your <strong>student loan<\/strong> varies according to the type of loan: federal loan, provincial loan, private loan, student line of credit and so on. Often, the interest rate is based on the Bank of Canada&#8217;s prime rate plus a premium.<\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;What if I can&#8217;t repay my student loan?&#8221; open=&#8221;true&#8221; css=&#8221;&#8221;]<\/p>\n<p>You can apply for Repayment Assistance, which adjusts or suspends your payments according to your income. Some provinces also offer their own support programs.<\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Education is expensive. Find out how student loans work in Canada, including eligibility requirements, repayment terms and available assistance programs.<\/p>","protected":false},"author":2488,"featured_media":215139,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[46374],"tags":[],"mc_loyalty_program":[],"class_list":["post-210647","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- 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