Repayments of your government student loans begin six months from the end of your full-time studies. If you complete your program earlier, your repayments will begin six months from that date.
Prior to the end of the six months, you will receive your repayment information just via mail. It is your responsibility to set up a monthly repayment schedule and ensure your address is up to date by logging in to your secure NSLSC account.
Repayment Assistance Program (RAP)
If you are having trouble repaying your government student loan(s), there is help. Both the Province of Ontario and the Government of Canada offer repayment assistance to help borrowers who are having difficulty repaying their loans. This assistance is provided through the Repayment Assistance Plan (RAP).
To be considered for RAP, you must complete and submit an online application through the National Student Loans Service Centre’s online services, and have signed and returned your Consolidated Student Loan Agreement.
