Repayment Assistance Plan for Borrowers with Disabilities
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If you have a disability, you may qualify for the Repayment Assistance Plan for Borrowers with Disabilities (RAP-D).
This plan could lower your student loan payments for 6 months. You can also submit disability related expenses that may help lower costs. You may even qualify for no payments at all.
Eligibility
You may qualify for RAP-D if you:
- live in Canada or:
- are a reservist or spouse of a reservist deployed abroad, or
- are on an international internship for a year or less
- have loans in repayment
- are up-to-date on your loan payments
- fall within the income thresholds, and
- have a disability that is recognized by the Canada Student Financial Assistance Program
Apply
Borrowers can apply for RAP-D:
Online: Option 1 of 2
Apply online through the National Student Loans Service Centre (NSLSC)
Login to NSLSC through MSCABy mail: Option 2 of 2
Download, complete and mail the following forms to the address below:
Repayment Assistance Plan Application (PDF, 175 KB)
Disability Related Expense Form (PDF, 107 KB) to submit expenses related to your disability, and
Verification of Disability Form (PDF, 122 KB) (if asked)
National Student Loans Service Centre
P.O. Box 4030
Mississauga, ON L5A 4M4
To stay on RAP-D, reapply every 6 months. If your disability is not permanent, you may also need to confirm the status of your disability.
Note: Students with loans from Prince Edward Island must also apply through their province. Contact your provincial or territorial student aid office for more information.
You may qualify to have your loans cancelled if your disability prevents you from working. Please visit the Severe Permanent Disability Benefit for details.
Contact us to discuss your options
For more details, please contact the National Student Loans Service Centre (NSLSC).