Eligibility

You may be eligible for the Repayment Assistance Plan (RAP) if:

  • you’re currently repaying an Alberta and/or Canada student loan
  • your student loans are in good standing
  • you’re having difficulty making payments

To find out if you’re eligible, use the Government of Canada’s Repayment Assistance Estimator tool.


How repayment assistance works

If you’re eligible, your monthly payments will be reduced to something more affordable based on your family size and income. In some cases, you will not have to make any monthly payments.

There are two stages to the Repayment Assistance Plan:

RAP Stage 1

  • Lasts for up to 60 months within the first 10 years after you leave school
  • Intended to help with temporary repayment difficulties
  • Monthly payments reduced
  • Government pays your interest

RAP Stage 2

  • Available to borrowers who have been on RAP for over 60 months or have been repaying their loans for over 10 years
  • Intended to provide long-term relief with ongoing difficulties
  • Monthly payments reduced
  • Government pays your interest and your principal

Learn more about how repayment assistance works.


Apply for repayment assistance

You can apply anytime during repayment to receive assistance for up to 6 months. If you still need help after 6 months, you must re-apply.

The table below outlines how to apply for RAP based on your circumstances:

Circumstances

How to apply

If you have:

  • Canada loans, or
  • Canada and Alberta loans

Submit a single Repayment Assistance Plan application online through your NSLSC account.

If you have only Alberta loans

Contact the Alberta Student Aid Service Centre to discuss your situation.

If you have a permanent disability

If you have Canada loans, or Canada and Alberta loans, submit a Repayment Assistance Plan for Students with a Permanent Disability application through your NSLSC account.

If you only have an Alberta loan, contact the Alberta Student Aid Service Centre to discuss your situation.

If you are residing outside of Canada

You don’t qualify for the Repayment Assistance Plan for your Canada loans.

You can still apply to Alberta by contacting the Alberta Student Aid Service Centre.