Repay a student loan - How to start

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Repaying after leaving school

After finishing school, there is a 6-month non-repayment period. When this period is over, you have to start making payments on your Loan. For information on repayment, review the terms and conditions of your loan or contact the NSLSC.

The 6-month non-repayment period starts after you:

  • finish your final school term
  • reduce from full-time to part-time studies
  • leave school or take time off school

Within 6-months of finishing school, you will receive a package detailing your payment terms and payment options.

Let another person manage your student loan

You can give another person power of attorney to take care of your student loan dealings with us.

Provincial or territorial payments

British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Ontario, Saskatchewan, and the Yukon

Repay your student loan through the National Student Loan Service Centre (NSLSC).

Alberta, Nova Scotia and Prince Edward Island

Provincial and federal loans are repaid separately.

Repay your federal loan through the NSLSC. Make payments on the provincial loan through your province.

Quebec, Nunavut or the Northwest Territories

Make loan payments directly to your province or territory. Contact your province or territory to arrange payments or for information on your loan.

Delay repayment

You may be able to delay repayment if you are:

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