Repayment Assistance Plan – Disability assistance
Current status: Repayment assistance for student loan borrowers
On November 1, 2022, enhancements to repayment assistance will provide easier access for borrowers.
If you have a disability, you may be eligible for the Repayment Assistance Plan for Borrowers with Disabilities (RAP-D).
This plan could lower your student loan payments. Claiming expenses related to your disability can also help. You may even qualify for no payments at all.
You may be eligible 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
To see if you qualify, use the Repayment Assistance Estimator.
- apply online through the National Student Loans Service Centre (NSLSC), or
- submit a Repayment Assistance Plan Application (PDF, 718 KB), and
- complete a Disability Related Expense Form (PDF, 670 KB) if you have disability-related expenses
If you qualify for RAP-D, you will have to reapply every 6 months if you want to continue on the plan.
Note: Students with loans from Prince Edward Island or Manitoba must also apply through their province. Contact your provincial or territorial student aid office to find out more.
You may qualify to have your loans cancelled if your disability limits your ability to work for the rest of your life. Please visit the Severe Permanent Disability Benefit for details.
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