Repayment Assistance Plan – Eligibility

Current status: Repayment assistance for student loan borrowers

On November 1, 2022, enhancements to repayment assistance will provide easier access for borrowers.


You may qualify for repayment assistance if:

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

Income thresholds

If your family income falls below a certain amount per month, you may not need to make payments on your student loans for a period of 6 months.

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

Monthly gross family income thresholds 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 estimator to find out if you are eligible and get an idea of what your expected monthly payment might be.

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