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.
- Enrolment is not automatic and you must re-apply for this plan every six months.
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.
You may qualify for repayment assistance if:
- you reside in Canada (or are on an international internship or are a reservist deployed abroad);
- at least six months have passed since you graduated or left school; and
- your loans are up to date.
If you have a permanent disability, you may qualify for RAP-PD if:
- your permanent disability has been assessed and recognized by the Canada Student Loans Program; and
- you are eligible for the Repayment Assistance Plan.
Annual Gross Family Income Thresholds for Zero Payment under RAP by Family Size
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Above these income thresholds, you may be eligible for a reduced monthly payment.
How it works
The Government of Canada and your provincial government will pay the interest owing that your revised payment does not cover. This may last for up to 10 six-month periods or 60 months during the 10-year period after you leave school.
This stage starts once you complete Stage 1, or if you have been in repayment for over 10 years after leaving school. During Stage 2, if you continue to experience difficulty meeting your repayment obligations, the Government will now begin to cover both the principal and interest that exceeds your reduced monthly payments. As long as you remain eligible for RAP the balance of your loan is gradually paid off and repayment obligations will not exceed 15 years (or 10 years for persons with permanent disabilities) after leaving school.
Note: Once you have been approved for and receive a Stage 2 benefit or a RAP-PD benefit, you cannot receive additional student loans or grants until your existing loans are paid in full. However, you can still get interest-free status for your existing student loans if you return to school.
Repayment Assistance Estimator
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.
To apply for repayment assistance:
- 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
- download and complete a RAP application and mail or fax it to the NSLSC.
- 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.