Severe and Permanent Disability Benefit - What this benefit offers

What this benefit offers

If you have a severe permanent disability that prevents you from participating in post-secondary studies and the labour force for the rest of your life, you may be able to have your student loans cancelled through the Severe Permanent Disability Benefit.

Enrolment is not automatic - you have to apply for the Severe Permanent Disability Benefit. Once you have received this benefit, you would not be eligible to receive any additional Canada Student Loans or Canada Student Grants.

Note: The Repayment Assistance Plan for Borrowers with a Permanent Disability is also available to Student Loan borrowers who have a permanent disability.

What is a severe permanent disability?
According to the Canada Student Financial Assistance Regulations, a “severe permanent disability” means a functional limitation caused by a physical or mental impairment that:

  • prevents a borrower from performing the daily activities necessary to participate in studies at a post-secondary school level and in the labour force; and
  • is expected to remain with the person for their expected life.
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