Canada Student Loans Program statistical review 2016 to 2017

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Introduction

The Government of Canada, through the Department of Employment and Social Development, delivers the Canada Student Loans Program (CSLP) to help make post-secondary education (PSE) more affordable and accessible for students with a demonstrated financial need. The CSLP reduces financial barriers to PSE through the provision of Canada Student Grants and Loans. The grants are upfront, non-repayable assistance to meet the diverse financial needs of students from under-represented groups in PSE. In meeting an eligible student's assessed financial need, grants are awarded first, after which any remaining need is covered through Canada Student Loans (up to a loan maximum). Loans are interest-free while students are enrolled in PSE. Through the Repayment Assistance Plan (RAP), the CSLP also offers assistance to student loan borrowers who have difficulty repaying their loans.

The Government of Canada works collaboratively with participating provincial and territorial governments to deliver student financial assistance to Canadian students. Quebec, Nunavut and the Northwest Territories do not participate in the CSLP but receive alternative payments from the Government of Canada to operate their own student financial assistance programs.

Applicants in participating jurisdictions are assessed for federal and provincial grants and loans through a single application process. For students in full-time study, approximately 60% of their assessed financial need is funded by the Government of Canada, while the province or territory covers the remaining 40%. The statistics provided in this review only report on the federal portion of financial assistance in the CSLP participating provinces and territory.

Since the inception of CSLP in 1964, $54.1 billion in student loans have been disbursed to 5.8 million students. The CSLP has also provided $6.8 billion in non-repayable grants to 3 million students since 1995.

About this report

Each year, Employment and Social Development Canada produces the Canada Student Loans Program Statistical Review. The Statistical Review is a supplementary report to the Canada Student Loans Program Annual Report, which serves to inform Parliament and Canadians about student financial assistance for post-secondary education through the Canada Student Loans Program (CSLP).

The 2016–2017 CSLP Statistical Review provides a series of tables on grants, loans, repayment assistance and other program statistics for the loan year from August 1, 2016 to July 31, 2017. In most cases, data is provided back to 2012-2013 loan year to provide a five-year reference period. Historical data is also provided, dating back to the beginning of the CSLP.

Please note that some cells in various tables are suppressed due to confidentiality, and some figures may not added-up to summary total due to rounding. Unless otherwise specified, tables include full-time and part-time students.

2016 to 2017 at a glance

2016-2017 at a glance
Text version: Infographic 2016 to 2017 at a glance

Top left quadrant

  • 380,000 students received Canada Student Grants
  • $1.0 billion Total value of grants
  • +41% increase in value of grants compared to 2015-2016

Top Middle quadrant

  • 306,000 beneficiaries of the Repayment Assistance Plan (RAP)
  • +11% increase in number of RAP recipients compared to 2015-2016
  • 88% of RAP recipients make zero payments

Top right quadrant

  • 1.7 million borrowers in direct loan portfolio
  • $18.2 billion In direct loan portfolio
  • +3% increase in value of direct loan portfolio compared to 2015-2016

Middle left quadrant

  • 497,000 students received Canada Student Loans
  • $2.6 billion in total amount of loans
  • -3% decrease in total amount of loans compared to 2015-2016

Middle-center quadrant

  • 344,000 recipients of grants for students from low– and middle– income families
  • 35,300 recipients of grants for full-time students with dependants
  • 37,300 recipients of grants for students with permanent disabilities

Middle right quadrant

  • $13,456 average loan balance at the time of leaving school
  • 9% three-year default rate for borrowers entering repayment in 2015-2016
  • -1 percentage point decrease in the three-year default rate from 2014-2015

Bottom left quadrant

  • $2,673 Average amount of grant per recipient
  • $5,286 Average amount of loan per borrower
  • $6,862 Average amount of grants and loans per student

Bottom right quadrant

  • 23 years old Average age of grant or loan recipients
  • 59% of grant or loan recipients are female
  • 65% of RAP recipients are female

Tables

1. Canada

1.1 Student financial assistance: grants, loans and interest subsidies

Table 1.1.1 Summary of total student financial assistance, including grants, loans and interest subsidy
Total student financial assistance2 – number of recipients1
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Total student financial assistance2 593,458 613,959 614,674 616,439 627,122
  • 1. The number of recipients do not sum to the total, as some recipients can receive multiple products (grants and/or loans and/or in-study interest subsidy) in the same year.
  • 2. Student financial assistance is any form of financial aid provided by the Canada Student Loans Program to students while they enroll in designated post-secondary education institutions, including Canada Student Grants, Canada Student Loans and in-study interest subsidy.
Canada Student Grant – number of recipients1
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Full-time students 349,526 359,454 357,505 360,027 369,703
Part-time students 13,208 14,955 15,963 17,439 19,159
Total 356,637 367,586 365,832 368,940 379,606
  • 1. The number of recipients do not sum to the total, as some recipients can receive multiple products (grants and/or loans and/or in-study interest subsidy) in the same year.
Canada Student Loan – number of recipients1
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Full-time students 472,167 491,444 488,781 489,935 490,401
Part-time students 9,601 11,254 12,086 13,712 11,790
Total 477,487 497,725 495,318 497,042 497,064
  • 1. The number of recipients do not sum to the total, as some recipients can receive multiple products (grants and/or loans and/or in-study interest subsidy) in the same year.
In-study interest subsidy – number of recipients1
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Full-time students 570,252 590,306 589,731 590,127 587,149
Part-time students 9,715 11,374 12,203 13,810 11,937
Total 575,375 596,404 596,098 597,051 593,483
  • 1. The number of recipients do not sum to the total, as some recipients can receive multiple products (grants and/or loans and/or in-study interest subsidy) in the same year.
Total student financial assistance – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Total student financial assistance n/a n/a n/a n/a n/a
Canada Student Grant – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Full-time students 680.1 698.0 699.6 699.7 985.6
Part-time students 14.9 17.3 18.1 19.8 29.0
Total 695.0 715.3 717.7 719.5 1,014.6
Canada Student Loan – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Full-time students 2,566.4 2,700.7 2,702.2 2,698.2 2,608.0
Part-time students 16.6 19.9 20.9 24.1 19.2
Total 2,582.9 2,720.6 2,723.1 2,722.3 2,627.2
In-study interest subsidy – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Full-time students n/a n/a n/a n/a n/a
Part-time students n/a n/a n/a n/a n/a
Total n/a n/a n/a n/a n/a
Table 1.1.2 Canada Student Grants and Loans by type
Canada Student Grants and Loans3 – number of recipients2
2012 to 20131 2013 to 20141 2014 to 2015 2015 to 2016 2016 to 2017
Full-time students 488,291 506,880 505,412 507,317 520,727
Part-time students 14,613 16,752 17,858 19,681 21,628
Total 495,569 515,279 513,898 516,430 530,703
  • 1. The Millennium Excellence Award is reflected in the total, but is not separately shown as a grant.
  • 2. The number of recipients do not sum to the total, as some recipients can receive multiple grants and/or loans in the same year.
  • 3. Includes students who receive a Canada Student Grant and/or a Canada Student Loan.
Canada Student Grant – number of recipients2
2012 to 20131 2013 to 20141 2014 to 2015 2015 to 2016 2016 to 2017
Students from Low-income Families 232,209 238,513 236,675 237,667 242,171
Students from Middle-income Families 93,262 95,493 95,820 97,564 101,994
Full-Time Students with Dependants 37,655 38,317 36,676 35,347 35,322
Students with Permanent Disabilities 26,547 29,222 31,356 34,104 37,263
Services and Equipment for Students with Permanent Disabilities 8,290 8,622 9,544 9,894 10,125
Part-Time Studies 13,180 14,937 15,958 17,432 19,155
Part-Time Students with Dependants 423 739 378 408 332
Total 356,637 367,586 365,832 368,940 379,606
  • 1. The Millennium Excellence Award is reflected in the total, but is not separately shown as a grant.
  • 2. The number of recipients do not sum to the total, as some recipients can receive multiple grants and/or loans in the same year.
Canada Student Loan – number of recipients2
2012 to 20131 2013 to 20141 2014 to 2015 2015 to 2016 2016 to 2017
Full-time students 472,167 491,444 488,781 489,935 490,401
Part-time students 9,601 11,254 12,086 13,712 11,790
Total 477,487 497,725 495,318 497,042 497,064
  • 1. The Millennium Excellence Award is reflected in the total, but is not separately shown as a grant.
  • 2. The number of recipients do not sum to the total, as some recipients can receive multiple grants and/or loans in the same year.
Canada Student Grants and Loans2 – millions of dollars
2012 to 20131 2013 to 20141 2014 to 2015 2015 to 2016 2016 to 2017
Full-time students 3,246.5 3,398.7 3,401.8 3,397.9 3,593.6
Part-time students 31.5 37.2 39.0 43.9 48.2
Total 3,277.9 3,435.8 3,440.8 3,441.8 3,641.8
  • 1. The Millennium Excellence Award is reflected in the total, but is not separately shown as a grant.
  • 2. Includes students who receive a Canada Student Grant and/or a Canada Student Loan.
Canada Student Grant – millions of dollars
2012 to 20131 2013 to 20141 2014 to 2015 2015 to 2016 2016 to 2017
Students from Low-income Families 444.0 455.0 453.5 451.3 688.5
Students from Middle-income Families 70.5 72.3 72.8 73.5 115.1
Full-Time Students with Dependants 92.2 93.4 90.4 86.3 87.7
Students with Permanent Disabilities 50.4 55.3 59.4 65.0 71.0
Services and Equipment for Students with Permanent Disabilities 21.6 21.9 23.6 23.5 23.3
Part-Time Studies 14.5 16.6 17.7 19.4 28.6
Part-Time Students with Dependants 0.4 0.7 0.4 0.4 0.3
Total 695.0 715.3 717.7 719.5 1,014.6
  • 1. The Millennium Excellence Award is reflected in the total, but is not separately shown as a grant.
Canada Student Loan – millions of dollars
2012 to 20131 2013 to 20141 2014 to 2015 2015 to 2016 2016 to 2017
Full-time students 2,566.4 2,700.7 2,702.2 2,698.2 2,608.0
Part-time students 16.6 19.9 20.9 24.1 19.2
Total 2,582.9 2,720.6 2,723.1 2,722.3 2,627.2
  • 1. The Millennium Excellence Award is reflected in the total, but is not separately shown as a grant.
Table 1.1.3 Profile of students who received student financial assistance: grants, loans and interest subsidies, 2016 to 2017
Gender
Number of recipients Percent
Female 371,899 59
Male 255,223 41
Total 627,122 100
Age group
Number of recipients Percent
Younger than 20 years 165,937 26
20 to 24 years 286,001 46
25 to 29 years 92,499 15
30 to 34 years 36,011 6
35 to 39 years 21,079 3
40 to 44 years 12,513 2
45 to 49 years 7,253 1
50 years and older 5,829 1
Total 627,122 100
Level of study
Number of recipients Percent
Certificate or diploma 226,761 36
Undergraduate 364,388 58
Master 29,062 5
Doctorate 6,911 1
Total 627,122 100
Type of institution
Number of recipients Percent
University 365,667 58
College 195,946 31
Private institution 65,509 10
Total 627,122 100
Table 1.1.4 Profile of students who received Canada Student Grants and/or Loans, 2016 to 2017
Gender
Number of recipients Percent Millions of dollars Percent
Female 315,095 59 2,205.4 61
Male 215,608 41 1,436.5 39
Total 530,703 100 3,641.8 100
Age group
Number of recipients Percent Millions of dollars Percent
Younger than 20 years 156,096 29 948.6 26
20 to 24 years 240,032 45 1,601.8 44
25 to 29 years 70,932 13 554.9 15
30 to 34 years 26,869 5 227.2 6
35 to 39 years 16,566 3 143.9 4
40 to 44 years 9,985 2 85.7 2
45 to 49 years 5,710 1 46.2 1
50 years and older 4,513 1 33.5 1
Total 530,703 100 3,641.8 100
Level of study
Number of recipients Percent Millions of dollars Percent
Certificate or diploma 192,571 36 1,251.8 34
Undergraduate 313,980 59 2,201.2 60
Master 19,790 4 150.7 4
Doctorate 4,362 1 38.1 1
Total 530,703 100 3,641.8 100
Type of institution
Number of recipients Percent Millions of dollars Percent
University 307,082 58 2,169.3 60
College 173,529 33 1,054.5 29
Private institution 50,092 9 418.0 11
Total 530,703 100 3,641.8 100
Table 1.1.5 Profile of students who received Canada Student Grants, 2016 to 2017
Gender
Number of recipients Percent Millions of dollars Percent
Female 223,701 59 612.5 60
Male 155,905 41 402.1 40
Total 379,606 100 1,014.6 100
Age group
Number of recipients Percent Millions of dollars Percent
Younger than 20 years 99,336 26 219.5 22
20 to 24 years 180,879 48 476.6 47
25 to 29 years 54,012 14 163.2 16
30 to 34 years 19,764 5 67.7 7
35 to 39 years 12,234 3 43.5 4
40 to 44 years 7,099 2 24.7 2
45 to 49 years 3,694 1 11.8 1
50 years and older 2,588 1 7.6 1
Total 379,606 100 1,014.6 100
Level of study
Number of recipients Percent Millions of dollars Percent
Certificate or diploma 130,756 34 351.2 35
Undergraduate 244,788 64 652.3 64
Master 3,126 1 8.0 1
Doctorate 936 0s 3.1 0s
Total 379,606 100 1,014.6 100
  • 0s: value rounded to 0 (zero) where there is a meaningful distinction between true zero and the value that was rounded.
Type of institution
Number of recipients Percent Millions of dollars Percent
University 222,617 59 589.8 58
College 130,340 34 352.9 35
Private institution 26,649 7 71.9 7
Total 379,606 100 1,014.6 100
Table 1.1.6 Profile of students who received Canada Student Loans, 2016 to 2017
Gender
Number of recipients Percent Millions of dollars Percent
Female 295,557 59 1,592.8 61
Male 201,507 41 1,034.4 39
Total 497,064 100 2,627.2 100
Age group
Number of recipients Percent Millions of dollars Percent
Younger than 20 years 149,023 30 728.1 28
20 to 24 years 223,471 45 1,125.9 43
25 to 29 years 65,970 13 391.9 15
30 to 34 years 24,970 5 159.6 6
35 to 39 years 15,255 3 100.4 4
40 to 44 years 9,154 2 61.0 2
45 to 49 years 5,201 1 34.4 1
50 years and older 4,020 1 25.8 1
Total 497,064 100 2,627.2 100
Level of study
Number of recipients Percent Millions of dollars Percent
Certificate or diploma 175,670 35 900.7 34
Undergraduate 297,509 60 1,549.8 59
Master 19,584 4 141.9 5
Doctorate 4,301 1 34.8 1
Total 497,064 100 2,627.2 100
Type of institution
Number of recipients Percent Millions of dollars Percent
University 292,351 59 1,579.2 60
College 158,021 32 702.9 27
Private institution 46,692 9 345.1 13
Total 497,064 100 2,627.2 100
Table 1.1.7 Canada Apprentice Loan
Canada Apprentice Loans disbursed – millions of dollars
2014 to 20151 2015 to 2016 2016 to 2017
Canada Apprentice Loans disbursed 32.3 69.4 65.6
  • 1. The Canada Apprentice Loan program came into effect on January 1, 2015. The program statistics are reported by the loan year. The 2014 to 2015 loan year reports on the period from January 1, 2015 to July 31, 2015.
2014 to 20151 2015 to 2016 2016 to 2017
Canada Apprentice Loans approved 8,431 17,930 16,953
Canada Apprentice Loans recipients 8,095 16,429 15,314
  • 1. The Canada Apprentice Loan program came into effect on January 1, 2015. The program statistics are reported by the loan year. The 2014 to 2015 loan year reports on the period from January 1, 2015 to July 31, 2015.
Canada Apprentice Loans recipients: Gender – percent
2014 to 20151 2015 to 2016 2016 to 2017
Female 5 5 5
Male 95 95 95
Total 100 100 100
  • 1. The Canada Apprentice Loan program came into effect on January 1, 2015. The program statistics are reported by the loan year. The 2014 to 2015 loan year reports on the period from January 1, 2015 to July 31, 2015.
Canada Apprentice Loans recipients: Age group – percent
2014 to 20151 2015 to 2016 2016 to 2017
Younger than 20 years 3 3 3
20 to 24 years 32 32 30
25 to 29 years 29 29 31
30 to 34 years 17 18 18
35 to 39 years 9 9 9
40 to 44 years 5 4 5
45 to 49 years 3 2 2
50 years and older 2 2 2
Total 100 100 100
  • 1. The Canada Apprentice Loan program came into effect on January 1, 2015. The program statistics are reported by the loan year. The 2014 to 2015 loan year reports on the period from January 1, 2015 to July 31, 2015.

1.2 Loan balance

Table 1.2.1 Number of full-time students leaving school and their average loan balance at time of leaving school
Average loan balance at time of leaving school – dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Average loan balance at time of leaving school 12,314 12,480 12,783 13,306 13,456
Gender – dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Female 12,722 12,863 13,141 13,648 13,796
Male 11,683 11,918 12,258 12,803 12,964
Level of study – dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Certificate or diploma 9,136 9,317 9,626 9,890 9,968
Undergraduate 15,020 15,144 15,478 16,152 16,535
Master 20,112 20,366 20,531 21,207 20,976
Doctorate 27,502 28,463 29,289 29,040 28,604
Type of institution – dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
University 15,548 15,655 15,989 16,727 17,113
College 9,143 9,452 9,794 10,172 10,358
Private institution 10,635 10,739 11,082 11,137 10,994
Number of students leaving school
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Number of students leaving school 190,410 198,613 203,732 203,909 201,516
Gender – percent
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Female 61 59 59 59 59
Male 39 41 41 41 41
Total 100 100 100 100 100
Level of study – percent
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Certificate or diploma 52 52 52 51 52
Undergraduate 43 43 42 43 42
Master 5 5 5 5 5
Doctorate 1 1 1 1 1
Total 100 100 100 100 100
Type of institution – percent
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
University 45 45 45 45 44
College 37 38 38 38 39
Private institution 18 17 17 16 17
Total 100 100 100 100 100
Table 1.2.2 Distribution of loan balance at time of leaving school for full-time students, 2016 to 2017
Less than $5,000 $5,000 to $9,999 $10,000 to $14,999 $15,000 to $19,999 $20,000 to $24,999 $25,000 to $29,999 $30,000 and over Total
Number of students by debt level 44,683 54,870 33,758 21,707 16,305 12,330 17,863 201,516
Percentage of students by debt level 22 27 17 11 8 6 9 100
Gender – percent
Less than $5,000 $5,000 to $9,999 $10,000 to $14,999 $15,000 to $19,999 $20,000 to $24,999 $25,000 to $29,999 $30,000 and over Total
Female 20 28 17 11 8 6 9 100
Male 25 27 16 10 8 6 8 100
Age group – percent
Less than $5,000 $5,000 to $9,999 $10,000 to $14,999 $15,000 to $19,999 $20,000 to $24,999 $25,000 to $29,999 $30,000 and over Total
Younger than 20 years 50 39 9 2 0s 0s 0 100
20 to 24 years 23 26 17 12 9 7 6 100
25 to 29 years 15 22 17 12 10 7 16 100
30 to 34 years 16 27 18 11 8 6 15 100
35 to 39 years 17 33 18 10 7 4 11 100
40 to 44 years 15 34 19 11 6 4 10 100
45 to 49 years 17 34 20 10 6 4 10 100
50 years and older 20 36 19 8 5 3 9 100
  • 0s: value rounded to 0 (zero) where there is a meaningful distinction between true zero and the value that was rounded.
Level of study – percent
Less than $5,000 $5,000 to $9,999 $10,000 to $14,999 $15,000 to $19,999 $20,000 to $24,999 $25,000 to $29,999 $30,000 and over Total
Certificate or diploma 27 36 18 9 5 2 3 100
Undergraduate 18 18 15 13 12 11 13 100
Master 10 14 18 11 11 8 26 100
Doctorate 14 9 9 8 8 8 44 100
Type of institution – percent
Less than $5,000 $5,000 to $9,999 $10,000 to $14,999 $15,000 to $19,999 $20,000 to $24,999 $25,000 to $29,999 $30,000 and over Total
University 17 18 15 13 12 10 15 100
College 31 30 17 9 6 3 4 100
Private institution 15 45 20 10 4 2 4 100

1.3 Repayment Assistance Plan (RAP)

Table 1.3.1 Number of RAP recipients by RAP stage and payment type
All Stages
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Zero Payment 183,387 203,887 221,605 236,907 268,883
Affordable Payment 25,392 29,797 34,559 39,226 36,886
Total 208,779 233,684 256,164 276,133 305,769
Stage 1
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Zero Payment 163,424 178,479 189,208 197,829 218,183
Affordable Payment 21,418 24,549 28,048 30,832 30,276
Total 184,842 203,028 217,256 228,661 248,459
Stage 2
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Zero Payment 10,051 13,613 17,985 22,540 30,760
Affordable Payment 2,478 3,428 4,406 5,659 4,435
Total 12,529 17,041 22,391 28,199 35,195
Permanent Disability (PD)
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Zero Payment 9,912 11,795 14,412 16,538 19,940
Affordable Payment 1,496 1,820 2,105 2,735 2,175
Total 11,408 13,615 16,517 19,273 22,115
All stages – percent
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Zero Payment 88 87 87 86 88
Affordable Payment 12 13 13 14 12
Total 100 100 100 100 100
Stage 1 – percent
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Zero Payment 88 88 87 87 88
Affordable Payment 12 12 13 13 12
Total 100 100 100 100 100
Stage 2 – percent
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Zero Payment 80 80 80 80 87
Affordable Payment 20 20 20 20 13
Total 100 100 100 100 100
Permanent Disability (PD) – percent
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Zero Payment 87 87 87 86 90
Affordable Payment 13 13 13 14 10
Total 100 100 100 100 100
Table 1.3.2 Profile of students benefiting from RAP, 2016 to 2017
Gender
Number of recipients Percent
Female 199,476 65
Male 106,293 35
Total 305,769 100
Age group
Number of recipients Percent
Younger than 20 years 2,940 1
20 to 24 years 75,536 25
25 to 29 years 100,154 33
30 to 34 years 58,356 19
35 to 39 years 29,234 10
40 to 44 years 15,809 5
45 to 49 years 10,639 3
50 years and older 13,101 4
Total 305,769 100
Level of study
Number of recipients Percent
Certificate or diploma 165,672 54
Undergraduate 121,393 40
Master 15,630 5
Doctorate 3,074 1
Total 305,769 100
Type of institution
Number of recipients Percent
University 128,741 42
College 115,116 38
Private institution 61,912 20
Total 305,769 100
Table 1.3.3 First year RAP uptake rate
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Number of borrowers entering repayment 190,410 198,613 203,732 203,909 201,516
Number of borrowers using RAP during the 1st year in repayment 51,944 54,727 56,660 56,620 62,053
First year RAP uptake rate – percent
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
First year RAP uptake rate 27 28 28 28 31

1.4 Loan forgiveness

Table 1.4.1 Canada Student Loan Forgiveness for Family Doctors and Nurses by profession and by fiscal year
Profession
2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Family Doctor 42 94 144 202
Family Medicine Resident 80 221 333 515
Licensed Practical Nurse 261 445 620 687
Nurse Practitioner 11 22 24 27
Registered Nurse 1,022 1,750 2,298 2,706
Registered Practical Nurse 120 238 333 426
Registered Psychiatric Nurse 44 79 101 119
Total 1,580 2,849 3,853 4,682
Amount forgiven profession – thousands of dollars
2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Family Doctor 331.8 757.5 1,068.8 1,403.2
Family Medicine Resident 634.0 1,738.4 2,561.7 3,984.7
Licensed Practical Nurse 1,016.3 1,735.8 2,230.7 2,562.6
Nurse Practitioner 44.0 83.3 79.8 97.7
Registered Nurse 4,007.1 6,808.0 8,899.3 10,501.4
Registered Practical Nurse 461.4 918.3 1,249.4 1,611.0
Registered Psychiatric Nurse 176.0 322.4 405.5 474.8
Total 6,670.5 12,363.8 16,495.2 20,635.5
Table 1.4.2 Canada Student Loan Forgiveness for Family Doctors and Nurses by place of work1 and by fiscal year
2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador 99 154 199 226
Prince Edward Island 36 59 80 104
Nova Scotia 154 290 435 509
New Brunswick 95 144 186 240
Quebec x x x x
Ontario 300 643 921 1,262
Manitoba 70 122 170 197
Saskatchewan 137 231 271 310
Alberta 230 443 595 690
British Columbia 404 675 878 1,011
Yukon 20 36 46 39
Northwest Territories and Nunavut x x x x
Canada 1,580 2,849 3,853 4,682
  • 1. Eligibility for the Canada Student Loan Forgiveness for Family Doctors and Nurses is based on the borrower's place of work, which can be different from where they live or where they borrowed their loans. Amount forgiven Canada – thousands of dollars
  • The “X” represents cells are suppressed to prevent statistical disclosure of number of borrowers less than 10.
2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador 447.9 760.4 934.2 1,068.1
Prince Edward Island 159.7 261.2 347.9 436.0
Nova Scotia 643.1 1,208.9 1,873.0 2,164.0
New Brunswick 415.2 618.1 747.3 1,000.5
Quebec x x x x
Ontario 1,232.5 2,804.0 4,009.2 5,767.6
Manitoba 306.8 539.9 744.1 871.1
Saskatchewan 630.8 1,020.3 1,142.7 1,299.5
Alberta 961.1 1,905.9 2,539.2 3,044.2
British Columbia 1,659.8 2,850.3 3,636.9 4,345.6
Yukon 82.7 149.4 185.5 194.9
Northwest Territories and Nunavut x x x x
Canada 6,670.5 12,363.8 16,495.2 20,635.5
Table 1.4.3 Severe Permanent Disability Benefit1
Number of recipients
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Number of recipients 494 550 545 706 577
  • 1. The data represents all loan balances at the beginning of the assessment process by CSLP for the purposes of the Severe Permanent Disability Benefit.
Total value of loans forgiven2 – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Total value of loans forgiven2 8.0 8.2 8.0 11.7 8.7
  • 2. The data includes the federal portion for all loan types and the federal and provincial portion for Direct Integrated provinces that are aligned for the Severe Permanent Disability Benefit.
Average value of loans forgiven – dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Average value of loans forgiven 16,290 15,093 14,691 16,526 15,099

1.5 Default rate

Table 1.5.1 Three-year default rate for direct loans
Three-year default rate for direct loans – percent
2011 to 2012 2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016
Three-year default rate for direct loans 13 12 11 10 9
Gender – percent
2011 to 2012 2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016
Female 12 11 10 10 9
Male 14 13 12 11 10
Level of study – percent
2011 to 2012 2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016
Certificate or diploma 20 18 16 15 14
Undergraduate 9 8 7 6 6
Master 5 5 4 4 3
Doctorate 10 8 8 7 5
Type of institution – percent
2011 to 2012 2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016
University 9 8 7 6 6
College 16 14 13 12 11
Private institution 24 22 21 19 18

1.6 Loan portfolio

Table 1.6.1 Overall Portfolio by loan regime at the end of fiscal year
Total – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
In study 6,293.3 6,664.2 6,888.2 7,006.2 7,050.6
In repayment 8,689.5 9,035.8 9,529.4 9,977.9 10,425.8
Total 14,982.8 15,699.9 16,417.5 16,984.1 17,476.4
Guaranteed Loans – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
In study 1.6 1.4 1.1 0.8 0.6
In repayment 15.4 10.1 6.8 4.7 3.3
Total 17.0 11.5 7.9 5.5 3.9
Risk Shared Loans – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
In study 19.4 13.0 9.3 5.8 3.9
In repayment 1,310.4 1,180.0 1,076.9 961.1 901.7
Total 1,329.8 1,193.0 1,086.2 966.9 905.6
Direct Loans – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
In study 6,272.3 6,649.8 6,877.7 6,999.5 7,046.1
In repayment 7,363.7 7,845.7 8,445.7 9,012.1 9,520.8
Total 13,636.0 14,495.5 15,323.4 16,011.6 16,566.9
Table 1.6.2 Direct Loan Portfolio at the end of loan year
Total Direct Loan Portfolio – number of borrowers
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
In study 502,141 517,187 519,004 519,627 522,982
In repayment 705,935 743,479 773,592 806,822 841,406
In default 286,686 322,319 315,593 325,634 338,044
Total 1,494,762 1,582,985 1,608,189 1,652,083 1,702,432
Total Direct Loan Portfolio: In repayment – number of borrowers
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Current 520,147 547,437 554,955 572,788 581,790
RAP 118,250 133,504 159,336 171,855 201,802
Delinquency 67,538 62,538 59,301 62,179 57,814
Total – In repayment 705,935 743,479 773,592 806,822 841,406
Total Direct Loan Portfolio – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
In study 5,923.7 6,251.7 6,473.4 6,589.3 6,625.8
In repayment 7,202.6 7,776.1 8,360.9 8,981.3 9,398.9
In default 1,890.7 2,099.1 2,073.0 2,125.9 2,149.1
Total 15,017.0 16,126.9 16,907.3 17,696.5 18,173.8
Total Direct Loan Portfolio: In repayment – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Current 4,534.0 4,852.8 5,022.7 5,352.1 5,333.4
RAP 1,972.9 2,258.0 2,700.1 2,945.8 3,429.7
Delinquency 695.7 665.2 638.1 683.3 635.8
Total – In repayment 7,202.6 7,776.1 8,360.9 8,981.3 9,398.9

2. Provinces and territories

2.1 Student financial assistance: grants, loans and interest subsidies

Table 2.1.1 Total student financial assistance by type, 2016 to 2017
Total – number of recipients1
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Total student financial assistance2 627,122 7,481 3,564 19,801 14,661 399,107 14,125 14,974 82,167 71,022 220
  • 1. The number of recipients do not sum to the total, as some recipients can receive multiple products (grants and/or loans and/or in-study interest subsidy) in the same year.
  • 2. Student financial assistance is any form of financial aid provided by the Canada Student Loans Program to students while they enroll in designated post-secondary education institutions, including Canada Student Grants, Canada Student Loans and in-study interest subsidy.
Canada Student Grant – number of recipients1
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Full-time students 369,703 x 1,758 11,136 7,555 244,214 7,983 9,016 43,957 39,860 x
Part-time students 19,159 x 622 174 138 9,857 365 135 1,913 5,869 x
Total 379,606 4,143 2,232 11,238 7,627 248,306 8,245 9,100 45,160 43,432 123
  • 1. The number of recipients do not sum to the total, as some recipients can receive multiple products (grants and/or loans and/or in-study interest subsidy) in the same year.
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Canada Student Loan – number of recipients1
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Full-time students 490,401 x 2,601 16,583 11,946 317,803 9,875 12,542 61,925 50,978 x
Part-time students 11,790 x 36 168 112 6,600 325 112 1,908 2,490 x
Total 497,064 6,036 2,626 16,687 12,016 321,090 10,154 12,627 63,167 52,520 141
  • 1. The number of recipients do not sum to the total, as some recipients can receive multiple products (grants and/or loans and/or in-study interest subsidy) in the same year.
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
In-study interest subsidy – number of recipients1
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Full-time students 587,149 x 3,078 19,391 14,051 375,888 12,525 14,443 76,185 64,129 x
Part-time students 11,937 x 38 170 112 6,668 327 112 1,924 2,543 x
Total 593,483 7,293 3,077 19,494 14,119 379,039 12,802 14,526 77,402 65,539 192
  • 1. The number of recipients do not sum to the total, as some recipients can receive multiple products (grants and/or loans and/or in-study interest subsidy) in the same year.
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Total – millions of dollars
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Total student financial assistance n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
Canada Student Grant – millions of dollars
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Full-time students 985.6 x 5.1 32.4 19.7 638.0 23.7 27.0 120.6 106.6 x
Part-time students 29.0 x 0.8 0.3 0.2 15.2 0.5 0.2 2.0 9.5 x
Total 1,014.6 12.2 5.9 32.7 19.9 653.3 24.2 27.2 122.7 116.2 0.4
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Canada Student Loan – millions of dollars
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Full-time students 2,608.0 x 16.3 114.9 56.0 1,636.5 45.6 75.0 338.7 296.4 x
Part-time students 19.2 x 0.1 0.3 0.2 9.8 1.0 0.3 3.4 4.1 x
Total 2,627.2 27.9 16.4 115.2 56.2 1,646.3 46.5 75.3 342.0 300.5 0.8
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
In-study interest subsidy – millions of dollars
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Full-time students n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
Part-time students n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
Total n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
Table 2.1.2 Canada Student Grants and Loans for full- and part-time students
Canada – number of recipients1
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador 6,476 6,210 5,954 6,273 6,224
Prince Edward Island 3,637 3,530 3,349 3,109 3,113
Nova Scotia 16,143 16,972 16,717 16,739 16,994
New Brunswick 13,851 13,077 12,274 11,739 12,558
Ontario 313,345 334,854 336,149 336,711 341,158
Manitoba 10,902 10,992 10,767 11,231 11,477
Saskatchewan 11,913 11,596 11,587 12,031 13,075
Alberta 53,310 52,774 54,646 59,309 67,932
British Columbia 65,769 65,097 62,268 59,104 58,003
Yukon 203 177 187 184 169
Canada 495,549 515,279 513,898 516,430 530,703
  • 1. Includes students who receive a Canada Student Grant and/or a Canada Student Loan.
Canada – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador 37.4 36.1 35.5 37.2 40.1
Prince Edward Island 26.0 25.1 23.3 21.6 22.3
Nova Scotia 133.6 140.4 138.7 138.1 147.9
New Brunswick 87.8 86.8 81.8 77.7 76.1
Ontario 2,044.8 2,202.8 2,211.6 2,199.5 2,299.6
Manitoba 66.3 65.6 64.1 66.7 70.7
Saskatchewan 86.8 85.3 87.9 90.9 102.5
Alberta 347.6 349.8 364.5 402.6 464.7
British Columbia 446.4 442.2 432.2 406.2 416.7
Yukon 1.3 1.1 1.2 1.2 1.2
Canada 3,277.9 3,435.7 3,440.8 3,441.8 3,641.8
Table 2.1.3 Canada Student Grants for full- and part-time students
Canada – number of recipients
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador 4,063 3,879 3,665 4,038 4,143
Prince Edward Island 2,406 2,370 2,271 2,177 2,232
Nova Scotia 10,917 11,321 11,104 11,169 11,238
New Brunswick 8,199 7,919 7,418 7,009 7,627
Ontario 226,770 239,781 240,701 243,772 248,306
Manitoba 7,788 7,922 7,800 8,116 8,245
Saskatchewan 8,659 8,374 8,214 8,524 9,100
Alberta 37,647 36,559 37,515 39,544 45,160
British Columbia 50,036 49,336 47,009 44,463 43,432
Yukon 152 125 135 128 123
Canada 356,637 367,586 365,832 368,940 379,606
Canada – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador 7.5 7.6 7.4 8.3 12.2
Prince Edward Island 4.5 4.6 4.4 4.5 5.9
Nova Scotia 22.8 23.5 23.3 23.7 32.7
New Brunswick 15.9 16.1 15.2 14.0 19.9
Ontario 432.6 457.2 463.6 464.1 653.3
Manitoba 17.8 17.3 16.8 17.2 24.2
Saskatchewan 20.0 18.9 19.1 19.6 27.2
Alberta 76.6 73.6 76.1 80.9 122.7
British Columbia 96.9 96.1 91.7 87.0 116.2
Yukon 0.3 0.3 0.3 0.2 0.4
Canada 695.0 715.3 717.7 719.5 1,014.6
Table 2.1.4 Canada Student Loans for full- and part-time students
Canada – number of recipients
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador 6,363 6,094 5,844 6,131 6,036
Prince Edward Island 3,328 3,172 2,950 2,702 2,626
Nova Scotia 15,867 16,718 16,419 16,451 16,687
New Brunswick 13,681 12,932 12,112 11,572 12,016
Ontario 304,826 326,264 326,544 325,703 321,090
Manitoba 10,131 10,161 9,946 10,428 10,154
Saskatchewan 11,535 11,266 11,257 11,732 12,627
Alberta 49,788 50,085 51,829 57,059 63,167
British Columbia 61,797 60,878 58,250 55,094 52,520
Yukon 171 155 167 170 141
Canada 477,487 497,725 495,318 497,042 497,064
Canada – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador 29.9 29.1 28.1 28.9 27.9
Prince Edward Island 21.4 20.5 18.9 17.1 16.4
Nova Scotia 110.7 116.9 115.4 114.3 115.2
New Brunswick 71.9 70.6 66.6 63.8 56.2
Ontario 1,612.2 1,745.7 1,748.1 1,735.4 1,646.3
Manitoba 48.6 48.3 47.2 49.5 46.5
Saskatchewan 66.8 66.3 68.8 71.3 75.3
Alberta 271.0 276.2 288.4 321.7 342.0
British Columbia 349.5 346.1 340.5 319.2 300.5
Yukon 1.0 0.9 1.0 1.0 0.8
Canada 2,582.9 2,720.6 2,723.1 2,722.3 2,627.2
Table 2.1.5 Canada Student Grants for full- and part-time students by type, 2016 to 2017
Canada – number of recipients
Canada Student Grant for Students from Low-income Families Canada Student Grant for Students from Middle-income Families Canada Student Grant for Full-Time Students with Dependants Canada Student Grant for Students with Permanent Disabilities Canada Student Grant for Services and Equipment for Students with Permanent Disabilities Canada Student Grant for Part-Time Studies Canada Student Grant for Part-Time Students with Dependants Total1
Newfoundland and Labrador 2,805 867 314 681 271 x x 4,143
Prince Edward Island 1,004 571 100 x x 622 0 2,232
Nova Scotia 6,686 3,524 900 1,774 845 174 x 11,238
New Brunswick 4,690 2,268 679 755 369 138 x 7,627
Ontario 160,807 68,053 21,138 24,970 5,425 9,854 143 248,306
Manitoba 5,406 1,960 1,230 564 327 365 42 8,245
Saskatchewan 5,597 2,789 1,381 1,136 388 135 30 9,100
Alberta 27,380 12,061 6,662 3,194 1,210 1,912 42 45,160
British Columbia 27,707 9,871 2,904 3,871 1,118 5,869 68 43,432
Yukon 89 30 14 x x x 0 123
Canada 242,171 101,994 35,322 37,263 10,125 19,155 332 379,606
  • 1. The number of recipients do not sum to the total, as some recipients can receive more than one grant in the same year.
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Canada – millions of dollars
Canada Student Grant for Students from Low-income Families Canada Student Grant for Students from Middle-income Families Canada Student Grant for Full-Time Students with Dependants Canada Student Grant for Students with Permanent Disabilities Canada Student Grant for Services and Equipment for Students with Permanent Disabilities Canada Student Grant for Part-Time Studies Canada Student Grant for Part-Time Students with Dependants Total1
Newfoundland and Labrador 7.9 1.0 0.7 1.3 1.2 x x 12.2
Prince Edward Island 3.0 0.7 0.2 x x 0.8 0.0 5.9
Nova Scotia 20.4 4.3 2.2 3.5 2.0 0.3 x 32.7
New Brunswick 13.4 2.6 1.4 1.3 1.1 0.2 x 20.0
Ontario 452.9 76.4 52.5 47.2 9.1 15.1 0.1 653.3
Manitoba 15.9 2.3 3.1 1.1 1.3 0.5 0.0s 24.2
Saskatchewan 16.4 3.2 3.8 2.2 1.4 0.2 0.0s 27.3
Alberta 80.2 13.9 16.9 6.2 3.4 2.0 0.1 122.6
British Columbia 78.2 10.7 6.7 7.7 3.2 9.5 0.1 116.1
Yukon 0.3 0.0s 0.0s x x x 0.0 0.3
Canada 688.5 115.1 87.7 71.0 23.3 28.6 0.3 1,014.6
  • 0.0s: value rounded to 0.0 (zero) where there is a meaningful distinction between true zero and the value that was rounded.
  • 1. The number of recipients do not sum to the total, as some recipients can receive more than one grant in the same year.
Table 2.1.6 Profile of students who received student financial assistance: grants, loans and interest subsidies, 2016 to 2017
Gender – percent
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Female 59 63 63 62 61 58 63 65 62 60 63
Male 41 37 37 38 39 42 37 35 38 40 37
Total 100 100 100 100 100 100 100 100 100 100 100
Age group – percent
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Younger than 20 years 26 25 32 28 31 30 20 21 17 17 5
20 to 24 years 46 47 46 45 46 47 41 44 42 44 38
25 to 29 years 15 19 14 16 13 12 19 19 19 21 30
30 to 34 years 6 5 4 5 5 5 9 8 9 8 13
35 to 39 years 3 2 2 2 3 3 5 4 6 4 8
40 to 44 years 2 1 1 1 2 2 3 2 4 2 2
45 to 49 years 1 1 1 1 1 1 2 1 2 1 1
50 years and older 1 1 1 1 1 1 2 1 2 1 1
Total 100 100 100 100 100 100 100 100 100 100 100
Level of study – percent
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Certificate or diploma 36 44 31 36 38 34 32 28 44 38 32
Undergraduate 58 51 64 59 57 60 62 68 51 56 56
Master 5 4 5 5 4 5 4 4 4 5 11
Doctorate 1 1 1 1 1 1 1 1 1 1 1
Total 100 100 100 100 100 100 100 100 100 100 100
Type of institution – percent
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
University 58 55 69 64 60 60 63 69 42 60 56
College 31 29 24 24 23 34 18 21 35 23 35
Private institution 10 16 6 12 17 6 19 9 23 17 9
Total 100 100 100 100 100 100 100 100 100 100 100
Table 2.1.7 Mean and median age of students who received student financial assistance, 2016 to 2017
Total student financial assistance
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Mean age 24 23 22 23 23 23 25 24 26 25 27
Median age 22 22 21 21 21 21 23 23 23 23 25
Canada Student Grant
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Mean age 23 23 22 23 23 23 25 25 25 25 26
Median age 22 22 21 22 22 21 23 23 23 23 24
Canada Student Grant – full-time students
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Mean age 23 23 23 23 23 23 25 25 25 25 26
Median age 22 22 22 22 22 21 23 23 23 23 24
Canada Student Grant – part-time students
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Mean age 24 23 20 25 23 23 30 27 26 25 22
Median age 21 22 19 22 21 21 28 25 23 22 22
Canada Student Loan
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Mean age 23 23 22 23 23 22 25 24 25 25 27
Median age 21 22 21 21 21 21 22 22 23 23 25
Canada Student Loan – full-time students
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Mean age 23 23 22 23 23 22 24 24 25 24 27
Median age 21 22 21 21 21 21 22 22 23 23 25
Canada Student Loan – part-time students
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Mean age 26 27 26 27 28 24 31 29 28 26 28
Median age 23 25 25 25 25 22 29 28 26 23 24
Entering repayment
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Mean age 26 24 25 25 25 25 27 26 28 27 29
Median age 24 23 23 23 23 23 25 25 25 25 27
Repayment Assistance Plan
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Mean age 30 28 28 28 29 30 31 31 30 31 32
Median age 27 27 27 26 27 27 29 29 28 29 30
Canada Apprentice Loan
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Mean age 28 30 26 29 28 28 27 28 29 28 30
Median age 27 27 25 27 27 26 26 27 27 26 25
Table 2.1.8 Canada Apprentice Loan
Canada – number of recipients
2014 to 20151 2015 to 2016 2016 to 2017
Newfoundland and Labrador 126 264 246
Prince Edward Island 22 70 82
Nova Scotia 261 515 503
New Brunswick 332 485 492
Ontario 1,202 2,065 1,969
Manitoba 440 1,035 956
Saskatchewan 435 1,105 959
Alberta 3,597 7,998 7,176
British Columbia 1,652 2,840 2,868
Yukon 14 25 31
Northwest Territories x x x
Nunavut x x x
Canada 8,095 16,429 15,314
  • 1. The Canada Apprentice Loan program came into effect on January 1, 2015. The program statistics are reported by the loan year. The 2014 to 2015 loan year reports on the period from January 1, 2015 to July 31, 2015.
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Canada – millions of dollars
2014 to 20151 2015 to 2016 2016 to 2017
Newfoundland and Labrador 0.5 1.1 1.1
Prince Edward Island 0.1 0.3 0.3
Nova Scotia 1.0 2.3 2.3
New Brunswick 1.3 1.9 2.0
Ontario 4.8 8.5 8.0
Manitoba 1.7 4.1 3.8
Saskatchewan 1.7 4.3 3.9
Alberta 14.3 34.0 31.2
British Columbia 6.8 12.5 12.6
Yukon 0.1 0.1 0.1
Northwest Territories x x x
Nunavut x x x
Canada 32.3 69.4 65.6
  • 1. The Canada Apprentice Loan program came into effect on January 1, 2015. The program statistics are reported by the loan year. The 2014 to 2015 loan year reports on the period from January 1, 2015 to July 31, 2015.
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.

2.2 Loan balance

Table 2.2.1 Number of full-time students leaving school and their average loan balance at time of leaving school
Canada – dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador 11,683 11,320 11,001 11,134 10,587
Prince Edward Island 16,836 16,823 16,741 17,704 17,749
Nova Scotia 15,979 16,602 16,534 17,090 16,855
New Brunswick 12,374 12,614 12,916 13,806 13,576
Ontario 12,056 12,240 12,657 13,308 13,604
Manitoba 9,059 8,972 9,263 9,710 9,853
Saskatchewan 13,207 13,389 13,750 14,279 14,415
Alberta 11,748 11,853 11,975 12,142 11,830
British Columbia 13,042 13,328 13,477 13,728 14,079
Yukon 12,879 12,239 10,968 11,118 11,336
Canada 12,314 12,480 12,783 13,306 13,456
Canada – number1
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador 3,432 3,340 3,190 3,052 3,047
Prince Edward Island 1,449 1,454 1,407 1,341 1,166
Nova Scotia 7,101 7,145 7,473 7,284 7,384
New Brunswick 6,772 6,427 6,232 5,627 5,383
Ontario 109,277 118,452 124,131 125,750 122,483
Manitoba 5,046 5,131 5,136 5,127 5,064
Saskatchewan 5,369 5,204 4,908 5,046 5,084
Alberta 22,237 23,429 23,445 23,731 26,090
British Columbia 29,611 27,932 27,711 26,864 25,709
Yukon 116 99 99 87 106
Canada 190,410 198,613 203,732 203,909 201,516
  • 1. Number of students leaving school and entering repayment.
Table 2.2.2 Distribution of loan balance at time of leaving school for full-time students, 2016 to 2017
Canada – percent
Less than $5,000 $5,000 to $9,999 $10,000 to $14,999 $15,000 to $19,999 $20,000 to $24,999 $25,000 to $29,999 $30,000 and over Total
Canada 22 27 17 11 8 6 9 100
Newfoundland and Labrador 30 31 14 10 7 4 4 100
Prince Edward Island 11 26 16 11 8 9 18 100
Nova Scotia 10 29 17 12 9 8 15 100
New Brunswick 23 29 15 9 7 6 11 100
Ontario 22 26 17 11 9 7 9 100
Manitoba 34 33 13 8 5 3 4 100
Saskatchewan 18 31 16 11 7 7 11 100
Alberta 26 31 16 10 6 4 6 100
British Columbia 21 28 16 11 8 6 11 100
Yukon 20 39 15 14 7 1 5 100

2.3 Repayment Assistance Plan (RAP)

Table 2.3.1 Number of RAP recipients by RAP stage and payment type, 2016 to 2017
All Stages
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Zero Payment 268,883 4,340 x 12,225 11,531 168,007 3,995 4,579 26,481 35,818 x
Affordable Payment 36,886 647 x 2,096 2,462 20,150 360 778 3,729 6,320 x
Total 305,769 4,987 2,174 14,321 13,993 188,157 4,355 5,357 30,210 42,138 77
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Stage 1
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Zero Payment 218,183 3,397 x 9,672 8,720 135,170 3,370 3,572 23,616 29,107 x
Affordable Payment 30,276 479 x 1,617 1,833 16,663 297 569 3,322 5,216 x
Total 248,459 3,876 1,773 11,289 10,553 151,833 3,667 4,141 26,938 34,323 66
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Stage 2
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Zero Payment 30,760 736 x 1,521 2,191 19,082 386 485 1,676 4,466 x
Affordable Payment 4,435 142 x 350 553 2,169 46 121 226 780 x
Total 35,195 878 x 1,871 2,744 21,251 432 606 1,902 5,246 x
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Permanent Disability (PD)
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Zero Payment 19,940 207 x 1,032 620 13,755 239 522 1,189 2,245 x
Affordable Payment 2,175 26 x 129 76 1,318 17 88 181 324 x
Total 22,115 233 x 1,161 696 15,073 256 610 1,370 2,569 x
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
All Stages – percent
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Zero Payment 88 87 x 85 82 89 92 85 88 85 x
Affordable Payment 12 13 x 15 18 11 8 15 12 15 x
Total 100 100 100 100 100 100 100 100 100 100 100
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Stage 1 – percent
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Zero Payment 88 88 x 86 83 89 92 86 88 85 x
Affordable Payment 12 12 x 14 17 11 8 14 12 15 x
Total 100 100 100 100 100 100 100 100 100 100 100
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Stage 2 – percent
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Zero Payment 87 84 x 81 80 90 89 80 88 85 x
Affordable Payment 13 16 x 19 20 10 11 20 12 15 x
Total 100 100 x 100 100 100 100 100 100 100 x
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Permanent Disability (PD) – percent
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Zero Payment 90 89 x 89 89 91 93 86 87 87 x
Affordable Payment 10 11 x 11 11 9 7 14 13 13 x
Total 100 100 x 100 100 100 100 100 100 100 x
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Table 2.3.2 Profile of students who were on RAP, 2016 to 2017
Gender – percent
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Female 65 67 75 73 69 63 67 70 67 66 73
Male 35 33 25 27 31 36 33 30 33 34 27
Total 100 100 100 100 100 100 100 100 100 100 100
Age group – percent
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Younger than 20 years 1 2 1 1 1 1 1 1 1 1 1
20 to 24 years 25 26 27 29 27 26 20 19 22 19 9
25 to 29 years 33 34 39 36 34 33 27 30 32 30 35
30 to 34 years 19 24 19 20 20 18 21 24 20 22 23
35 to 39 years 10 9 7 8 9 9 14 13 12 12 14
40 to 44 years 5 3 3 3 4 5 7 6 6 7 8
45 to 49 years 3 1 2 2 2 4 4 3 4 4 3
50 years and older 4 1 2 2 3 4 6 4 4 6 6
Total 100 100 100 100 100 100 100 100 100 100 100
Level of study – percent
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Certificate or diploma 54 59 49 54 57 54 46 43 56 53 43
Undergraduate 40 38 46 41 39 39 49 51 39 41 48
Master 5 3 5 4 4 5 5 5 5 5 8
Doctorate 1 0s 0s 0s 0s 1 1 1 1 1 1
Total 100 100 100 100 100 100 100 100 100 100 100
  • 0s: value rounded to 0 (zero) where there is a meaningful distinction between true zero and the value that was rounded.
Type of institution – percent
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
University 42 40 51 47 41 41 51 54 33 48 43
College 38 29 30 30 28 44 20 25 34 23 39
Private Institution 20 31 19 23 31 15 29 21 33 29 18
Total 100 100 100 100 100 100 100 100 100 100 100
Table 2.3.3 First year RAP uptake rate, 2016 to 2017
Number of borrowers entering repayment Number of borrowers using RAP during the 1st year of repayment
Newfoundland and Labrador 3,047 822
Prince Edward Island 1,166 385
Nova Scotia 7,384 2,858
New Brunswick 5,383 2,100
Ontario 122,483 38,754
Manitoba 5,064 868
Saskatchewan 5,084 1,164
Alberta 26,090 7,626
British Columbia 25,709 7,459
Yukon 106 17
Canada 201,516 62,053
Canada – percent
First year RAP uptake rate
Newfoundland and Labrador 27
Prince Edward Island 33
Nova Scotia 39
New Brunswick 39
Ontario 32
Manitoba 17
Saskatchewan 23
Alberta 29
British Columbia 29
Yukon 16
Canada 31

2.4 Default rate

Table 2.4.1 Three-year default rate for direct loans
Canada – percent
2011 to 2012 2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016
Newfoundland and Labrador 10 10 9 10 9
Prince Edward Island 13 13 10 9 7
Nova Scotia 13 13 11 11 11
New Brunswick 14 13 10 10 10
Ontario 13 12 11 10 9
Manitoba 13 12 11 10 10
Saskatchewan 11 11 10 11 9
Alberta 13 12 11 11 11
British Columbia 13 11 10 9 8
Yukon x x 11 x 18
Canada 13 12 11 10 9
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Table 2.4.2 Profile of three-year default rates for direct loans, 2016 to 2017
Three-year default rate for direct loans – percent
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Three-year default rate for direct loans 9 9 7 11 10 9 10 9 11 8 18
Gender – percent
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Female 9 9 5 9 9 9 8 10 11 8 x
Male 10 8 12 13 12 10 12 8 10 9 x
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Level of study – percent
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
Certificate or diploma 14 13 11 16 13 14 12 18 18 12 x
Undergraduate 6 4 6 7 8 6 9 6 5 6 x
Master 3 x 0 x x 3 x x 4 3 x
Doctorate 5 0 0 x 0 3 x x 6 7 x
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Type of institution – percent
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
University 6 5 5 6 8 6 9 6 5 6 x
College 11 7 12 14 12 12 9 11 7 8 x
Private institution 18 18 13 21 13 18 14 23 24 14 x
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.

3. Historical data

3.1 Loans

Table 3.1.1 Canada Student Loans for full-time students, number of recipients
Year – number of recipients
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T. N.W.T.
1964 to 1965 42,113 737 437 2,513 2,027 21,920 2,272 2,992 4,519 4,675 12 9
1965 to 1966 53,702 1,392 1,100 3,943 3,170 21,368 3,523 4,965 6,439 7,770 22 10
1966 to 1967 67,401 1,488 881 5,029 3,939 27,640 4,183 6,210 8,245 9,753 21 12
1967 to 1968 94,758 1,980 969 6,387 5,766 45,225 4,694 7,726 10,716 11,270 14 11
1968 to 1969 103,735 2,176 958 6,640 6,178 52,165 4,694 8,015 12,878 10,000 22 9
1969 to 1970 128,070 5,051 1,242 9,248 7,613 62,761 5,584 10,203 17,565 8,768 22 13
1970 to 1971 126,567 5,371 1,630 9,155 7,605 60,523 4,597 9,757 19,308 8,585 27 9
1971 to 1972 133,501 7,903 2,000 9,897 8,504 63,549 5,430 10,012 17,286 8,869 35 16
1972 to 1973 132,012 7,553 1,869 9,966 8,440 66,390 5,710 9,361 15,462 7,208 22 31
1973 to 1974 137,150 7,933 1,649 9,243 8,524 69,510 6,155 8,205 15,577 10,289 30 35
1974 to 1975 151,349 7,828 1,560 9,579 7,653 79,340 7,267 6,901 14,703 16,421 42 55
1975 to 1976 144,893 4,529 1,494 9,505 6,591 80,708 7,527 5,317 12,761 16,318 72 71
1976 to 1977 140,870 4,795 1,395 9,201 6,210 77,823 7,052 4,886 13,283 16,103 75 47
1977 to 1978 114,827 4,583 1,281 8,111 6,135 56,063 5,569 5,334 12,568 15,031 90 62
1978 to 1979 122,438 4,106 1,207 7,577 6,121 66,313 4,613 5,322 12,177 14,870 78 54
1979 to 1980 118,374 4,390 1,143 7,720 6,067 63,412 4,181 4,637 12,139 14,544 91 50
1980 to 1981 128,362 4,906 1,228 7,955 6,404 70,963 4,224 4,933 13,476 14,130 86 57
1981 to 1982 138,539 5,432 1,442 8,962 6,981 74,537 5,390 5,211 15,530 14,886 120 48
1982 to 1983 172,506 7,829 1,688 10,179 8,777 93,874 7,237 6,400 16,051 20,339 122 10
1983 to 1984 196,154 7,183 1,873 11,403 9,911 104,451 8,439 7,819 25,589 19,332 146 8
1984 to 1985 207,184 8,240 1,992 12,378 10,275 105,028 9,722 8,083 33,331 17,936 192 7
1985 to 1986 217,746 10,333 2,143 12,829 11,219 101,713 10,842 9,234 38,438 20,794 188 13
1986 to 1987 234,164 11,843 2,272 13,547 11,241 101,332 11,329 14,032 45,256 23,095 201 16
1987 to 1988 222,370 10,840 2,294 13,000 11,445 91,995 12,013 14,596 39,568 26,413 190 14
1988 to 1989 203,047 10,303 2,070 12,779 10,917 83,868 11,596 14,360 35,698 21,247 209 n/a
1989 to 1990 215,034 10,588 2,484 13,361 11,707 87,999 10,752 14,961 36,637 26,379 166 n/a
1990 to 1991 240,543 12,960 2,451 14,957 13,040 100,623 11,801 15,306 37,193 31,911 301 n/a
1991 to 1992 268,305 12,132 2,399 14,674 13,472 128,270 11,707 15,480 35,513 34,292 366 n/a
1992 to 1993 281,312 11,740 2,211 13,905 13,427 139,299 12,066 16,280 36,649 35,350 385 n/a
1993 to 1994 304,942 11,936 2,132 14,165 12,775 162,794 10,305 15,479 38,305 36,685 366 n/a
1994 to 1995 315,670 12,478 2,065 13,430 10,422 180,644 9,629 14,663 32,656 39,397 286 n/a
1995 to 1996 324,165 15,236 2,107 14,608 9,455 178,771 9,199 13,705 37,439 43,361 284 n/a
1996 to 1997 343,224 18,717 2,169 16,201 13,437 185,297 9,208 12,951 38,900 46,103 241 n/a
1997 to 1998 350,774 18,796 2,312 16,748 14,127 188,108 9,488 13,051 36,973 50,904 267 n/a
1998 to 1999 336,342 17,645 2,650 17,463 14,448 177,451 9,957 13,865 36,141 46,493 229 n/a
1999 to 2000 335,103 14,842 2,306 16,553 13,782 169,990 10,558 15,203 39,683 51,918 268 n/a
2000 to 2001 343,588 15,953 3,047 16,903 15,708 158,256 10,860 16,358 43,294 62,953 256 n/a
2001 to 2002 328,674 13,912 3,068 17,234 15,614 145,287 10,267 16,246 42,323 64,467 256 n/a
2002 to 2003 328,991 12,554 3,238 16,945 15,439 148,195 9,930 15,392 42,052 64,993 253 n/a
2003 to 2004 340,203 11,541 3,385 16,697 15,902 159,684 9,649 15,163 42,501 65,425 256 n/a
2004 to 2005 337,256 10,395 3,280 16,044 15,434 167,354 9,180 14,132 41,422 59,764 251 n/a
2005 to 2006 343,638 9,640 3,239 15,895 15,918 182,016 9,305 13,245 37,844 56,306 230 n/a
2006 to 2007 343,261 8,887 3,206 15,477 15,676 192,875 8,496 12,346 33,779 52,298 221 n/a
2007 to 2008 352,708 8,570 3,297 15,137 15,446 207,694 8,212 11,000 33,183 49,966 203 n/a
2008 to 2009 365,363 7,646 3,286 15,158 14,943 219,632 7,871 9,688 35,356 51,570 213 n/a
2009 to 2010 401,734 7,382 3,286 14,631 14,727 243,515 8,213 9,708 42,006 58,066 200 n/a
2010 to 2011 424,575 6,950 3,326 14,835 14,604 256,692 8,823 11,038 47,503 60,593 211 n/a
2011 to 2012 446,582 6,635 3,307 15,351 14,586 273,614 9,410 11,510 49,882 62,087 200 n/a
2012 to 2013 472,167 6,354 3,280 15,790 13,619 302,355 9,858 11,469 49,114 60,158 170 n/a
2013 to 2014 491,444 6,081 3,115 16,637 12,859 323,200 9,829 11,202 49,309 59,058 154 n/a
2014 to 2015 488,781 5,826 2,900 16,311 12,059 323,232 9,631 11,199 50,885 56,574 164 n/a
2015 to 2016 489,935 6,102 2,663 16,313 11,500 322,386 10,052 11,642 55,900 53,207 170 n/a
2016 to 2017 490,401 6,009 2,601 16,583 11,946 317,803 9,875 12,542 61,925 50,978 139 n/a
Table 3.1.2 Canada Student Loans for full-time students, amount disbursed
Year – million of dollars
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T. N.W.T.
1964 to 1965 26.7 0.5 0.3 1.8 1.4 14.4 1.4 1.9 2.1 3.1 0.01 0.01
1965 to 1966 34.6 0.9 0.4 2.9 2.3 14.6 2.2 3.4 3.1 4.8 0.02 0.01
1966 to 1967 40.5 0.8 0.6 3.3 3.0 14.4 2.8 4.5 4.4 6.6 0.02 0.01
1967 to 1968 57.3 1.1 0.7 4.3 4.2 23.6 3.2 5.8 6.3 8.0 0.01 0.01
1968 to 1969 63.9 1.5 0.8 5.1 4.8 26.6 3.4 6.4 8.1 7.3 0.02 0.01
1969 to 1970 78.1 3.1 0.9 7.0 5.4 31.8 4.3 8.4 10.5 6.6 0.02 0.01
1970 to 1971 86.1 4.9 1.4 7.9 6.5 32.3 3.4 8.5 14.3 6.8 0.02 0.01
1971 to 1972 87.5 5.5 1.6 8.8 6.7 33.5 4.1 7.3 13.8 6.1 0.03 0.01
1972 to 1973 102.3 6.7 2.1 10.2 7.5 45.1 3.7 6.8 14.9 5.3 0.02 0.03
1973 to 1974 108.7 5.2 1.9 10.8 6.9 50.8 4.5 6.1 15.2 7.2 0.03 0.04
1974 to 1975 121.0 4.4 1.8 11.8 7.3 60.1 5.5 5.4 14.9 9.7 0.04 0.06
1975 to 1976 148.3 4.3 2.0 13.1 8.9 74.4 6.3 5.4 18.1 15.7 0.11 0.12
1976 to 1977 160.9 4.8 2.1 12.6 7.9 80.4 10.0 5.2 18.6 19.2 0.12 0.07
1977 to 1978 134.6 4.4 1.7 10.9 8.0 57.7 8.0 7.2 17.6 19.0 0.14 0.10
1978 to 1979 147.9 4.8 1.7 10.7 8.2 70.2 6.9 7.6 18.0 19.6 0.13 0.09
1979 to 1980 142.7 4.9 1.6 11.1 8.5 65.9 6.5 6.5 17.7 19.8 0.15 0.08
1980 to 1981 162.1 5.9 1.8 11.6 9.0 80.2 6.7 7.0 19.8 19.9 0.14 0.09
1981 to 1982 199.9 7.0 2.3 13.7 10.1 99.8 9.9 7.7 25.4 23.6 0.20 0.08
1982 to 1983 280.3 10.8 2.8 18.6 15.3 144.3 13.6 10.5 30.3 34.1 0.20 0.02
1983 to 1984 454.9 13.7 4.1 30.4 21.8 224.9 25.0 18.0 67.9 48.7 0.37 0.02
1984 to 1985 526.7 22.3 4.6 34.4 24.2 247.1 30.8 18.4 95.5 48.9 0.48 0.02
1985 to 1986 576.9 29.8 5.1 35.8 31.2 239.8 35.6 24.6 114.5 60.0 0.54 0.04
1986 to 1987 621.0 35.9 5.7 39.9 33.2 231.2 37.6 39.6 126.1 71.1 0.55 0.04
1987 to 1988 612.0 33.9 5.8 39.5 34.4 200.0 40.4 47.3 120.6 89.6 0.56 0.04
1988 to 1989 551.0 31.1 5.3 39.3 32.9 183.0 39.3 47.0 108.4 64.0 0.65 n/a
1989 to 1990 599.2 32.1 6.9 40.9 35.8 201.5 36.0 48.9 112.0 84.6 0.52 n/a
1990 to 1991 665.8 36.4 6.1 43.6 39.2 238.1 38.8 48.6 114.1 100.1 0.83 n/a
1991 to 1992 797.2 34.2 6.1 44.9 41.7 351.2 38.8 52.3 112.2 114.9 0.93 n/a
1992 to 1993 846.6 35.9 6.4 42.9 42.4 395.7 35.3 56.3 117.9 113.1 0.78 n/a
1993 to 1994 986.7 38.0 6.1 42.7 44.1 511.7 35.5 50.7 127.1 129.5 1.10 n/a
1994 to 1995 1,214.6 54.1 7.5 51.2 33.0 681.9 35.5 56.3 117.2 176.9 0.90 n/a
1995 to 1996 1,340.0 74.1 8.4 51.1 29.3 741.6 35.7 54.9 140.7 202.9 1.20 n/a
1996 to 1997 1,583.9 91.5 13.4 62.8 82.5 880.8 30.6 56.1 147.6 217.5 1.20 n/a
1997 to 1998 1,567.8 86.1 11.4 62.8 79.7 856.0 37.1 57.5 133.3 243.0 1.00 n/a
1998 to 1999 1,557.2 88.8 11.9 94.7 67.6 817.3 38.2 67.3 146.9 223.4 1.02 n/a
1999 to 2000 1,549.6 70.0 10.1 90.2 61.9 780.9 44.3 72.8 170.5 247.7 1.11 n/a
2000 to 2001 1,564.7 69.5 13.5 90.7 77.6 704.5 46.9 78.2 184.2 298.6 1.20 n/a
2001 to 2002 1,507.4 61.3 16.1 92.9 77.7 643.7 44.5 79.0 181.3 309.5 1.28 n/a
2002 to 2003 1,544.7 56.2 17.0 92.5 77.9 664.6 43.4 74.5 187.3 330.0 1.27 n/a
2003 to 2004 1,643.0 52.0 17.9 92.6 82.5 734.5 44.1 76.0 200.1 342.0 1.28 n/a
2004 to 2005 1,628.8 46.5 17.3 88.8 80.0 768.9 41.5 71.3 198.9 314.4 1.24 n/a
2005 to 2006 1,935.0 49.3 21.2 107.1 88.8 971.2 48.7 80.8 215.0 351.5 1.41 n/a
2006 to 2007 1,927.1 45.7 22.6 102.6 91.4 1,034.9 44.3 74.0 189.4 320.9 1.35 n/a
2007 to 2008 2,012.5 43.9 24.6 102.1 88.2 1,146.0 43.1 66.0 190.5 306.9 1.19 n/a
2008 to 2009 2,077.8 39.7 21.7 101.7 83.2 1,210.0 41.3 58.8 204.8 315.3 1.33 n/a
2009 to 2010 2,083.2 33.3 21.0 97.5 74.3 1,208.8 36.4 56.1 216.5 338.3 1.07 n/a
2010 to 2011 2,218.9 31.1 21.2 98.5 73.2 1,285.0 40.3 65.1 252.3 351.0 1.14 n/a
2011 to 2012 2,400.7 29.9 21.1 106.1 74.1 1,420.0 44.6 66.2 275.8 361.9 1.13 n/a
2012 to 2013 2,566.4 29.9 21.3 110.5 71.7 1,603.9 47.8 66.6 269.3 344.5 0.95 n/a
2013 to 2014 2,700.7 29.0 20.3 116.7 70.4 1,735.3 47.3 66.1 274.1 340.5 0.89 n/a
2014 to 2015 2,702.2 28.0 18.8 115.1 66.4 1,736.6 46.0 68.6 285.9 335.7 1.0 n/a
2015 to 2016 2,698.2 28.9 17.0 113.9 63.6 1,722.7 48.0 71.0 318.3 313.8 1.0 n/a
2016 to 2017 2,608.0 27.9 16.3 114.9 56.0 1,636.5 45.6 75.0 338.7 296.4 0.8 n/a
Table 3.1.3 Canada Student Loans for part-time students
Canada
Year Number of recipients Millions of dollars
1987 to 1988 620 0.9
1988 to 1989 320 0.5
1989 to 1990 730 1.2
1990 to 1991 803 1.4
1991 to 1992 757 1.3
1992 to 1993 1,280 2.5
1993 to 1994 1,414 3.0
1994 to 1995 2,112 5.9
1995 to 1996 1,887 5.4
1996 to 1997 1,859 5.4
1997 to 1998 3,205 7.7
1998 to 1999 3,128 7.8
1999 to 2000 1,302 3.5
2000 to 2001 2,980 5.5
2001 to 2002 2,867 4.9
2002 to 2003 2,772 4.6
2003 to 2004 2,779 4.7
2004 to 2005 2,572 4.6
2005 to 2006 2,127 3.8
2006 to 2007 1,863 3.5
2007 to 2008 1,436 2.8
2008 to 2009 1,425 2.8
2009 to 2010 2,698 4.6
2010 to 2011 3,974 6.9
2011 to 2012 6,470 11.2
2012 to 2013 9,601 16.6
2013 to 2014 11,254 19.9
2014 to 2015 12,086 20.9
2015 to 2016 13,712 24.1
2016 to 2017 11,790 19.2

3.2 Grants

Table 3.2.1 Canada Student Grants for students, number of recipients
Canada Study Grant – number of recipients
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
2000 to 2001 55,830 1,242 343 1,389 1,174 26,375 1,037 3,609 6,441 13,636 34
2001 to 2002 48,730 977 354 1,541 1,643 23,440 1,088 2,387 6,206 11,054 40
2002 to 2003 55,625 703 425 1,598 1,383 25,259 1,317 2,727 6,443 15,732 38
2003 to 2004 53,272 1,245 295 1,703 1,701 22,107 1,428 2,236 6,977 15,528 52
2004 to 2005 53,404 588 296 1,548 1,419 24,384 1,434 3,342 6,589 13,762 42
2005 to 2006 49,500 481 308 2,280 1,311 25,833 1,482 2,754 5,574 9,442 35
2006 to 2007 47,853 559 288 1,437 1,275 26,632 1,194 2,489 4,385 9,551 43
2007 to 2008 40,402 523 363 1,343 1,539 21,787 1,079 1,955 3,999 7,785 29
2008 to 2009 42,489 482 410 1,411 1,195 23,128 1,074 1,707 4,054 8,997 31
Canada Access Grant – number of recipients
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
2005 to 2006 31,882 664 11 1,760 39 21,684 718 1,120 2,026 3,848 12
2006 to 2007 39,515 1,073 x 1,842 1,881 26,674 737 1,128 1,867 3,942 x
2007 to 2008 40,279 1,034 x 1,916 1,088 28,373 748 1,042 1,935 3,632 x
2008 to 2009 41,757 816 317 1,818 415 30,855 758 920 1,780 4,065 13
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Canada Student Grant – number of recipients
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
2009 to 2010 295,114 4,823 2,305 10,184 8,592 181,270 6,272 7,270 30,696 43,542 160
2010 to 2011 318,992 4,394 2,399 10,364 8,584 194,333 6,928 8,101 36,247 47,463 179
2011 to 2012 335,405 4,215 2,323 10,616 8,448 207,364 7,757 8,661 36,573 49,284 164
2012 to 2013 356,639 4,063 2,406 10,917 8,199 226,772 7,788 8,659 37,647 50,036 152
2013 to 2014 367,586 3,879 2,370 11,321 7,919 239,781 7,922 8,374 36,559 49,336 125
2014 to 2015 365,832 3,665 2,271 11,104 7,418 240,701 7,800 8,214 37,515 47,009 135
2015 to 2016 368,940 4,038 2,177 11,169 7,009 243,772 8,116 8,524 39,544 44,463 128
2016 to 2017 379,606 4,143 2,232 11,238 7,627 248,306 8,245 9,100 45,160 43,432 123
Table 3.2.2 Canada Student Grants for students, amount disbursed
Canada Study Grant – million of dollars
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
2000 to 2001 81.1 1.6 0.5 2.3 2.3 37.8 1.7 5.1 8.4 21.4 0.1
2001 to 2002 67.4 1.3 0.4 2.6 2.3 33.7 1.7 5.3 8.2 11.8 0.1
2002 to 2003 75.5 1.1 0.6 3.0 2.1 36.1 2.0 5.2 9.0 16.6 0.1
2003 to 2004 76.8 1.0 0.4 3.7 2.4 36.0 2.2 5.5 10.1 15.3 0.1
2004 to 2005 83.9 0.9 0.5 3.0 2.4 38.2 2.3 5.6 9.9 21.0 0.1
2005 to 2006 79.5 0.6 0.5 3.3 2.3 41.3 2.5 4.5 9.0 15.5 0.1
2006 to 2007 72.9 0.9 0.4 3.0 2.4 38.5 2.0 4.3 7.7 13.6 0.1
2007 to 2008 69.8 0.8 0.5 2.9 2.4 38.0 1.9 3.7 7.7 11.9 0.0
2008 to 2009 72.9 0.7 0.5 2.5 2.2 40.6 1.8 3.1 7.9 13.4 0.1
Canada Access Grant – million of dollars
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
2005 to 2006 58.9 1.0 0.0 3.9 0.1 38.6 1.2 2.4 4.0 7.7 0.02
2006 to 2007 68.8 0.9 x 4.0 3.8 45.4 1.1 2.3 3.6 6.9 x
2007 to 2008 72.0 0.9 x 4.0 2.3 50.0 1.2 2.2 3.9 6.6 x
2008 to 2009 74.7 0.8 0.7 3.7 0.8 55.0 1.2 1.9 3.6 7.0 0.03
  • The “X” represents cells that are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Canada Student Grant – million of dollars
Canada N.L. P.E.I. N.S. N.B. Ont. Man. Sask. Alta. B.C. Y.T.
2009 to 2010 593.2 8.8 4.7 21.4 16.6 354.8 16.3 18.6 65.7 85.9 0.4
2010 to 2011 623.5 7.9 4.7 21.6 16.0 370.5 16.5 18.7 75.7 91.4 0.5
2011 to 2012 642.7 7.5 4.3 21.7 15.6 386.7 16.6 19.8 74.2 95.8 0.4
2012 to 2013 693.6 7.5 4.5 22.8 15.9 431.8 17.7 20.0 76.4 96.7 0.3
2013 to 2014 715.2 7.6 4.6 23.6 16.1 457.1 17.3 18.9 73.7 96.1 0.3
2014 to 2015 717.7 7.4 4.4 23.3 15.2 463.6 16.8 19.1 76.1 91.7 0.3
2015 to 2016 719.5 8.3 4.5 23.7 14.0 464.1 17.2 19.6 80.9 87.0 0.2
2016 to 2017 1,014.6 12.2 5.9 32.7 19.9 653.3 24.2 27.2 122.7 116.2 0.4

4. Appendix

4.1 Canada

Table 4.1.1 Profile of full-time students who received Canada Student Grants, 2016 to 2017
Gender
Number Percent Millions of dollars Percent
Female 217,483 59 594.7 60
Male 152,220 41 390.9 40
Total 369,703 100 985.6 100
Age group
Number Percent Millions of dollars Percent
Younger than 20 years 97,117 26 212.1 22
20 to 24 years 176,241 48 462.9 47
25 to 29 years 52,700 14 159.5 16
30 to 34 years 19,111 5 66.0 7
35 to 39 years 11,779 3 42.5 4
40 to 44 years 6,814 2 24.0 2
45 to 49 years 3,525 1 11.4 1
50 years and older 2,416 1 7.2 1
Total 369,703 100 985.6 100
Level of study
Number Percent Millions of dollars Percent
Certificate or diploma 126,899 34 341.9 35
Undergraduate 239,163 65 633.4 64
Master 2,732 1 7.2 1
Doctorate 909 0s 3.1 0s
Total 369,703 100 985.6 100
  • 0s: value rounded to 0 (zero) where there is a meaningful distinction between true zero and the value that was rounded.
Type of institution
Number Percent Millions of dollars Percent
University 216,623 59 570.6 58
College 126,743 34 343.7 35
Private institution 26,337 7 71.3 7
Total 369,703 100 985.6 100
Table 4.1.2 Profile of part-time students who received Canada Student Grants, 2016 to 2017
Gender
Number Percent Millions of dollars Percent
Female 11,774 61 17.7 61
Male 7,385 39 11.3 39
Total 19,159 100 29.0 100
Age group
Number Percent Millions of dollars Percent
Younger than 20 years 4,990 26 7.4 25
20 to 24 years 9,053 47 13.7 47
25 to 29 years 2,404 13 3.7 13
30 to 34 years 1,042 5 1.7 6
35 to 39 years 674 4 1.1 4
40 to 44 years 453 2 0.7 2
45 to 49 years 269 1 0.4 1
50 years and older 274 1 0.4 1
Total 19,159 100 29.0 100
Level of study
Number Percent Millions of dollars Percent
Certificate or diploma 6,095 32 9.3 32
Undergraduate 12,556 66 18.8 65
Master 479 3 0.8 3
Doctorate 29 0s 0.1 0s
Total 19,159 100 29.0 100
  • 0s: value rounded to 0 (zero) where there is a meaningful distinction between true zero and the value that was rounded.
Type of institution
Number Percent Millions of dollars Percent
University 12,586 66 19.1 66
College 6,170 32 9.2 32
Private institution 403 2 0.7 2
Total 19,159 100 29.0 100
Table 4.1.3 Profile of full-time students who received Canada Student Loans, 2016 to 2017
Gender
Number Percent Millions of dollars Percent
Female 291,284 59 1,580.5 61
Male 199,117 41 1,027.5 39
Total 490,401 100 2,608.0 100
Age group
Number Percent Millions of dollars Percent
Younger than 20 years 148,426 30 726.3 28
20 to 24 years 220,714 45 1,119.2 43
25 to 29 years 64,589 13 387.9 15
30 to 34 years 24,242 5 157.1 6
35 to 39 years 14,725 3 98.5 4
40 to 44 years 8,818 2 59.8 2
45 to 49 years 5,023 1 33.8 1
50 years and older 3,864 1 25.3 1
Total 490,401 100 2,608.0 100
Level of study
Number Percent Millions of dollars Percent
Certificate or diploma 172,883 35 893.2 34
Undergraduate 294,171 60 1,540.7 59
Master 19,075 4 139.4 5
Doctorate 4,272 1 34.7 1
Total 490,401 100 2,608.0 100
Type of institution
Number Percent Millions of dollars Percent
University 288,644 59 1,568.3 60
College 155,414 32 696.5 27
Private institution 46,343 9 343.1 13
Total 490,401 100 2,608.0 100
Table 4.1.4 Profile of part-time students who received Canada Student Loans, 2016 to 2017
Gender
Number Percent Millions of dollars Percent
Female 7,371 63 12.4 64
Male 4,419 37 6.9 36
Total 11,790 100 19.2 100
Age group
Number Percent Millions of dollars Percent
Younger than 20 years 2,042 17 1.8 9
20 to 24 years 5,144 44 6.6 35
25 to 29 years 2,041 17 4.1 21
30 to 34 years 1,007 9 2.5 13
35 to 39 years 693 6 1.9 10
40 to 44 years 449 4 1.2 6
45 to 49 years 231 2 0.6 3
50 years and older 183 2 0.5 2
Total 11,790 100 19.2 100
Level of study
Number Percent Millions of dollars Percent
Certificate or diploma 3,911 33 7.5 39
Undergraduate 7,212 61 9.1 47
Master 633 5 2.5 13
Doctorate 34 0s 0.1 1
Total 11,790 100 19.2 100
  • 0s: value rounded to 0 (zero) where there is a meaningful distinction between true zero and the value that was rounded.
Type of institution
Number Percent Millions of dollars Percent
University 7,410 63 10.9 57
College 3,928 33 6.4 33
Private institution 452 4 2.0 10
Total 11,790 100 19.2 100

4.2 Provinces and territories

Table 4.2.1 Canada Student Grants for full-time students
Canada – number of recipients
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador 4,043 3,848 3,637 3,989 4,102
Prince Edward Island 2,069 2,003 1,855 1,746 1,758
Nova Scotia 10,836 11,246 10,991 11,050 11,136
New Brunswick 8,141 7,842 7,366 6,934 7,555
Ontario 224,083 236,436 237,036 240,098 244,214
Manitoba 7,532 7,636 7,548 7,800 7,983
Saskatchewan 8,609 8,328 8,166 8,452 9,016
Alberta 36,808 35,692 36,652 38,598 43,957
British Columbia 47,255 46,298 44,123 41,232 39,860
Yukon 150 125 131 128 122
Canada 349,526 359,454 357,505 360,027 369,703
Canada – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador 7.4 7.5 7.3 8.2 12.1
Prince Edward Island 4.0 4.1 3.9 3.9 5.1
Nova Scotia 22.6 23.4 23.0 23.5 32.4
New Brunswick 15.8 16.0 15.1 13.8 19.7
Ontario 426.0 448.6 453.7 453.4 638.0
Manitoba 17.3 16.8 16.4 16.7 23.7
Saskatchewan 19.9 18.8 19.0 19.5 27.0
Alberta 75.4 72.6 75.0 79.7 120.6
British Columbia 91.2 89.8 85.9 80.7 106.6
Yukon 0.3 0.2 0.3 0.2 0.4
Canada 680.1 698.0 699.6 699.7 985.6
Table 4.2.2 Canada Student Grants for part-time students
Canada – number of recipients
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador x 54 x x x
Prince Edward Island 466 501 555 568 622
Nova Scotia 123 141 202 185 174
New Brunswick 97 114 108 124 138
Ontario 6,138 7,335 8,387 9,193 9,857
Manitoba 339 393 335 395 365
Saskatchewan 79 73 79 111 135
Alberta 1,273 1,285 1,356 1,454 1,913
British Columbia 4,654 5,059 4,885 5,322 5,869
Yukon x 0 x x x
Canada 13,208 14,955 15,963 17,439 19,159
  • The “X” represents cells which are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Canada – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador x 0.1 x x x
Prince Edward Island 0.5 0.5 0.5 0.6 0.8
Nova Scotia 0.1 0.2 0.2 0.2 0.3
New Brunswick 0.1 0.1 0.1 0.1 0.2
Ontario 7.1 8.6 9.8 10.7 15.2
Manitoba 0.4 0.5 0.4 0.5 0.5
Saskatchewan 0.1 0.1 0.1 0.2 0.2
Alberta 1.0 1.0 1.1 1.1 2.0
British Columbia 5.5 6.2 5.7 6.3 9.5
Yukon x 0.0 x x x
Canada 14.9 17.3 18.1 19.8 29.0
  • The “X” represents cells which are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Table 4.2.3 Canada Student Loans for full-time students
Canada – number of recipients
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador 6,354 6,081 5,826 6,102 6,009
Prince Edward Island 3,280 3,115 2,900 2,663 2,601
Nova Scotia 15,790 16,637 16,311 16,313 16,583
New Brunswick 13,619 12,859 12,059 11,500 11,946
Ontario 302,355 323,200 323,232 322,386 317,803
Manitoba 9,858 9,829 9,631 10,052 9,875
Saskatchewan 11,469 11,202 11,199 11,642 12,542
Alberta 49,114 49,309 50,885 55,900 61,925
British Columbia 60,158 59,058 56,574 53,207 50,978
Yukon 170 154 164 170 139
Canada 472,167 491,444 488,781 489,935 490,401
Canada – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador 29.9 29.0 28.0 28.9 27.9
Prince Edward Island 21.3 20.3 18.8 17.0 16.3
Nova Scotia 110.5 116.7 115.1 113.9 114.9
New Brunswick 71.7 70.4 66.4 63.6 56.0
Ontario 1,603.9 1,735.3 1,736.6 1,722.7 1,636.5
Manitoba 47.8 47.3 46.0 48.0 45.6
Saskatchewan 66.6 66.1 68.6 71.0 75.0
Alberta 269.3 274.1 285.9 318.3 338.7
British Columbia 344.5 340.5 335.7 313.8 296.4
Yukon 0.9 0.9 1.0 1.0 0.8
Canada 2,566.4 2,700.7 2,702.2 2,698.2 2,608.0
Table 4.2.4 Canada Student Loans for part-time students
Canada – number of recipients
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador x x x x x
Prince Edward Island 90 95 68 72 36
Nova Scotia 126 137 184 200 168
New Brunswick 92 102 104 118 112
Ontario 5,168 6,261 7,023 7,808 6,600
Manitoba 327 393 361 434 325
Saskatchewan 78 82 76 123 112
Alberta 1,021 1,166 1,393 1,766 1,908
British Columbia 2,679 2,986 2,841 3,133 2,490
Yukon x x x x x
Canada 9,601 11,254 12,086 13,712 11,790
  • The “X” represents cells which are suppressed to prevent statistical disclosure of number of borrowers less than 10.
Canada – millions of dollars
2012 to 2013 2013 to 2014 2014 to 2015 2015 to 2016 2016 to 2017
Newfoundland and Labrador x x x x x
Prince Edward Island 0.2 0.2 0.2 0.1 0.1
Nova Scotia 0.2 0.2 0.3 0.4 0.3
New Brunswick 0.2 0.2 0.2 0.2 0.2
Ontario 8.3 10.4 11.4 12.6 9.8
Manitoba 0.7 0.9 1.2 1.5 1.0
Saskatchewan 0.2 0.2 0.2 0.3 0.3
Alberta 1.7 2.1 2.5 3.5 3.4
British Columbia 5.1 5.7 4.9 5.4 4.1
Yukon x x x x x
Canada 16.6 19.9 20.9 24.1 19.2
  • The “X” represents cells which are suppressed to prevent statistical disclosure of number of borrowers less than 10.

Glossary

Canada Apprentice Loans (CAL)

In January 2015, the Government launched the CAL initiative. Borrowers can apply for up to $4,000 in loans per period of technical training, for up to five technical training periods. Loans are available to help pay for tuition, tools, equipment and living expenses, to cover forgone wages and to help support family during training.

Canada Student Grants

Canada Student Grants (CSG) are non-repayable student financial assistance. In 2016 to 2017, CSG are available for:

  • students from low-income families: $250 per month of study
  • students from middle-income families: $100 per month of study
  • low-income students with dependants: $200 per month of study for each dependant under 12 years of age (or for each dependant over 12 years of age if they have a permanent disability)
  • part-time studies: For students from low-income families, up to $1,200 per year, depending on assessed need
  • students with permanent disabilities: $2,000 per year for full-time or part-time students with permanent disabilities
  • services and equipment for students with permanent disabilities: Up to $8,000 per year to cover exceptional education-related costs such as tutors, note-takers, sign interpreters, braillers and technical aids

Canada Student Loan Forgiveness for Family Doctors and Nurses

Family doctors, residents in family medicine, nurse practitioners, and nurses that practice in under-served rural or remote communities may be eligible to have a portion of their Canada Student Loans (CSL) forgiven. Family doctors and residents in family medicine may receive up to $8,000 per year and all nurses may receive up to $4,000 per year. The program operates on a fiscal year basis (April 1 to March 31).

Consolidation

Borrowers consolidate their student loan(s) six months after completing their post-secondary studies (or ending full-time studies). Repayment begins once they have consolidated their loans.

Default

A loan is deemed in default when it is in arrears for greater than 270 days under the direct lending regime.

Default rate

The CSLP measures default using a three-year cohort default rate. This rate shows the proportion of loan dollars that enter repayment in a given loan year (cohort) and default within three years. For example, the three-year default rate for the 2015 to 2016 cohort represents the proportion of loan dollars that entered repayment in 2015 to 2016 and defaulted before August 1, 2018.

Designated

A designated post-secondary educational institution meets provincial and federal eligibility criteria, and students attending these schools can apply for government-sponsored student financial assistance, such as Canada Student Loans.

Direct loans

As of August 2000, the Federal Government issues Canada Student Loans under the direct loans regime. Loans are directly financed by the Government and a third-party service provider administers the loan process.

Fiscal year

April 1 to March 31.

Full-time

A full-time student is a student enrolled in at least 60% of a full course load (or 40% for students with permanent disabilities) in a program of study of at least 12 consecutive weeks at a designated post-secondary educational institution.

Guaranteed loans

Between 1964 and 1995, Canada Student Loans were provided by financial institutions (such as banks) under the guaranteed loans regime. If a student defaulted on a guaranteed loan, the Government paid out the bank and the student's debt was then owed directly to the Government.

Integrated province

In integrated provinces, federal and provincial loans are combined so borrowers receive and repay one federal-provincial integrated loan. The federal and provincial governments work together to make applying for, managing and repaying loans easier. The CSLP has integration agreements with five provinces: Ontario, New Brunswick, Newfoundland and Labrador, Saskatchewan and British Columbia.

In-study

The status of borrowers attending full-time or part-time studies at a post-secondary educational institution.

In-study interest subsidy

The Government of Canada covers the interest on Canada Student Loans while borrowers are enrolled in a designated post-secondary educational institution.

Loan year

August 1 to July 31.

National Student Loans Service Centre (NSLSC)

The NSLSC is the main point of contact for borrowers in managing their Canada Student loans, from loan disbursement to repayment and repayment assistance. The service centre is administered by a third-party service provider. The service centre manages all Canada Student Loans issued on or after August 1, 2000, as well as integrated student loans for:

  • New Brunswick and Newfoundland and Labrador issued on or after August 1, 2000
  • Ontario and Saskatchewan issued on or after August 1, 2001, and
  • British Columbia issued on or after August 1, 2011

Part-time

A part-time student is a student taking between 20% and 59% of a full course load. Students with permanent disabilities may be accorded part-time status if they are taking between 20% and 39% of a full course load (and if they are taking between 40% and 59% of a full course load they can elect to be considered either as a full-time or part-time student for the purpose of the CSLP).

Participating provinces/territories

The provinces and territories that choose to deliver financial assistance to students within the framework of the CSLP include Newfoundland and Labrador, Prince Edward Island, Nova Scotia, New Brunswick, Ontario, Manitoba, Saskatchewan, Alberta, British Columbia and Yukon.

Province/territory of residence

A student's province or territory of residence is the province or territory where they have most recently lived for at least 12 consecutive months (not including time spent in a province or territory as a full-time student at a post-secondary institution). For example, an individual from Manitoba studying in Ontario would be considered a Manitoba student.

Post-secondary education

Levels of education following secondary school (high school) at all designated public or private post-secondary institutions.

Repayment

The status of borrowers who have begun repaying their Canada Student Loans. Repayment begins six months following the end of studies.

Repayment Assistance Plan (RAP)

On August 1, 2009, the RAP replaced the CSLP's previous debt management programs (Interest Relief and Debt Reduction in Repayment). RAP is a temporary repayment assistance measure where a borrower repays an affordable monthly amount (or none) based on family income, family size and outstanding loan balance. RAP ensures that the repayment period will not exceed 15 years (or 10 years for a borrower with a permanent disability). Under RAP, eligible borrowers receive assistance for periods of six months and can reapply as long as they remain eligible.

Repayment Assistance Plan for Borrowers with a Permanent Disability (RAP-PD)

RAP-PD is similar to RAP in that it is designed to assist borrowers experiencing difficulty meeting their repayment obligations. RAP-PD provides repayment assistance that is accelerated and that considers the additional living costs faced by people with permanent disabilities. Those who are approved RAP-PD can obtain the following benefits:

  • RAP-PD borrowers proceed directly to Stage 2 whereby the government covers the principal and interest not covered by the borrower's monthly RAP payments
  • Eligible RAP-PD borrowers are allowed to claim disability-related expenses, which are taken into consideration when the RAP-PD application is assessed

Repayment Assistance Plan (RAP) first year uptake rate

The first year RAP uptake rate is defined as the ratio of the number of borrowers who entered repayment and used RAP in the same year to the total number of borrowers who entered repayment during the year.

Repayment Assistance Plan (RAP) payment outcomes

Based on the RAP calculation, there are three possible scenarios or outcomes for the duration of each six-month RAP or RAP-PD term:

  • Zero Payment: The borrower is approved for RAP or RAP-PD and is not required to make any monthly payments
  • Affordable Payment: The borrower is approved for a reduced monthly loan payment (greater than Zero Payment), or
  • The borrower is not approved for RAP or RAP-PD

Repayment Assistance Plan (RAP) Stages

  • RAP Stage 1: Stage 1 signifies that the borrower is in a stage where the Government of Canada and the relevant provincial government pay the interest owing that the borrower's payment does not cover. This stage can last up to 10 six-month periods or 60 months during the 10-year period after a borrower leaves school
  • RAP Stage 2: Stage 2 starts once the borrower completes Stage 1. During this stage, if the borrower continues to experience difficulty in meeting their repayment obligations, the Government will cover both the principal and interest that exceeds the borrower's reduced monthly payments

Risk-shared loans

Between 1995 and 2000, Canada Student Loans were provided by financial institutions (such as banks) under the risk-shared loans regime. Under this regime, financial institutions assumed responsibility for a portion of the possible risk of defaulted loans in return for a payment from the Government.

Severe Permanent Disability Benefit

In certain cases, some borrowers may be eligible for loan cancellation. The Severe Permanent Disability Benefit makes it possible to cancel the repayment obligations of borrowers whose permanent disability prevents them from studying at a post-secondary level and taking part in the labour force and is expected to remain with them for life.

Student financial assistance

Student financial assistance is any form of financial aid provided by the Canada Student Loans Program to students while they enroll in designated post-secondary education institutions, including Canada Student Grants, Canada Student Loans and in-study interest subsidy.

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