Interest paid on your student loans – Personal income tax
- Federal: Line 31900
- Provincial or territorial: Line 58520
- Tax year: 2025| Prior tax years: 2024 and earlier
You may be eligible to claim an amount for the interest paid on your student loan in 2025 or the preceding five years for post-secondary education if you received it under:
- the Canada Student Loans Act
- the Canada Student Financial Assistance Act
- the Apprentice Loans Act
- provincial or territorial government laws similar to the acts above
If you are claiming this amount for someone who died, special rules may apply. To learn more: Line 31900 – Interest paid on your student loans, for someone who died.
Who can claim student loan interest
Only the student (borrower) who is legally responsible for the loan can claim this credit.
If someone else (like a parent) paid the interest on your behalf, you can still claim the credit if the loan is in your name.
You cannot claim:
- interest on loans that are not government student loans
- interest on loans that were combined, renegotiated, or reconsolidated with another loan
- interest paid because of a court judgment for failing to repay a student loan
How much you can claim
You can claim the total amount of interest actually paid on the qualifying student loan in the current year or any of the previous five years.
Federal amount for 2025There is no fixed maximum limit. You can claim the total amount of interest you paid on your qualifying student loans.
Provincial and territorial amounts for 2025
The interest paid on student loans can also be claimed on the province or territory return where you lived at the end of the year:
Provincial and territorial amounts for 2025 Province or territory 
Alberta
British Columbia
Manitoba
New Brunswick
Newfoundland and Labrador
Northwest Territories
Nova Scotia
Nunavut
Ontario
Prince Edward Island
QuebecRefer to: Revenu Québec 
Saskatchewan
Yukon
Carrying forward unused amounts
If you do not have any tax payable in the year that you paid the interest, you can carry forward any unused amount and claim it in any of the next five years.
You must apply the oldest amounts first when claiming carried-forward interest.
You are responsible for tracking your carry-forward amounts, as the Canada Revenue Agency does not do this for you. Ensure that you do not claim the same amount more than once.
How to claim
Claim the amount on your federal tax return and Form 428
- Federal tax return
On line 31900 of your federal tax return, enter the federal amount you can claim for the interest paid on your student loans.
Provincial or territorial Form 428
On line 58520 of your provincial or territorial Form 428, enter the provincial or territorial amount you can claim for the interest paid on your student loans.
Supporting documents
Electronic filing
Do not send any supporting documents when you file your tax return.
Keep them in case the CRA asks to see them later.
Paper filing
The CRA encourages you to file your return electronically. However, if you file on paper, attach your supporting documents for the amounts that you are claiming.