Repayment Assistance Plan – Eligibility


You may qualify for repayment assistance if:

  • you reside in Canada (or are on an international internship or are a reservist deployed abroad)
  • at least 6 months have passed since you graduated or left school (your loans are in repayment)
  • you are up-to-date on your loan payments

If you have a permanent disability, you may qualify for RAP-PD if:

  • your permanent disability has been assessed and recognized by the Canada Student Financial Assistance Program, and
  • you are eligible for the Repayment Assistance Plan

Income thresholds

If your family income falls below a certain amount per month, you may be eligible to make no payments on your student loans for a period of 6 months.

If you earn more than the income thresholds shown below, you may still be eligible for a reduced monthly payments through the Plan. Find out if you are eligible by using the Repayment Assistance Estimator.

Monthly gross family income thresholds for zero payment under RAP by family size
Family size Income threshold
1 $2,083
2 $3,254
3 $4,205
4 $4,959
5+ $5,652

Use the Repayment Assistance Estimator

Use the Repayment Assistance Estimator to find out if you are eligible and get an estimate of what your expected monthly payment might be.

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