Studying when living with a disability
Savings for post-secondary education with an RESP
You may be able to contribute longer to a registered education savings plan.
A registered education savings plan (RESP) is an account registered with the Government of Canada to help parents and caregivers save for their child’s post-secondary education. The child is the beneficiary of the RESP and can withdraw the money when he or she becomes a post-secondary student.
Usually, parents or caregivers may contribute to an RESP for up to 31 years after opening the plan. However, if you're eligible for the disability tax credit, parents or caregivers can contribute for 35 years instead.
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Paying for your post-secondary education
You may be eligible for programs, benefits and services that help students living with a disability.
Be sure to apply to all sources of funding that may help you reach your education goals. These include grants, scholarships, loans and bursaries that are open to all students—not just those for people living with a disability.
Lifelong learning program
People with disabilities may be eligible for financial help if they're returning to school.
The Lifelong Learning Plan allows you to withdraw amounts from your registered retirement savings plan (RRSP) to pay for training or education. An RRSP is a savings program registered with the federal government.
Usually, you must be a full-time student to use the Lifelong Learning Plan. If you have a disability, you may be in a part-time program and still be part of the Lifelong Learning Plan.
Repaying your Canada Student Loan if you have a permanent disability
If you're having trouble repaying your Canada Student Loan., you may be eligible for help.
The Repayment Assistance Plan for borrowers with permanent disabilities helps you repay your loan by:
- reducing your monthly payment to an amount you can afford
- providing financial help with expenses related to your disability
You must re-apply to the plan every six months.
Severe permanent disability benefit
If you have a severe and permanent disability that will prevent you from working and studying for the rest of your life, you may apply to have your student loans cancelled.
Help for students whose parents are living with a disability
If your parent or guardian is living with a disability, you may be eligible for help paying for your education.
To be eligible:
- your parent or guardian must be getting Canada Pension Plan (CPP) disability benefits
- you must be between the ages of 18 and 25
- you must be a full-time student
Canada Pension Plan (CPP) disability benefits and education
If you get Canada Pension Plan (CPP) disability benefits, going to school won’t affect the amount of benefits you receive.
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