Student loan repayment begins six months after a borrower ceases full-time studies. Repayment is managed by the student and co-ordinated with the lender(s) who provided the student loan funding.

If a borrower is having difficulties repaying their student loans they should contact their lender(s) immediately. Borrowers may qualify for a repayment assistance plan to help them avoid defaulting on their loan repayment agreement.

Repayment Assistance Plan (RAP)

The Repayment Assistance Plan is provided to assist students in keeping their student loan debt at a manageable level. The Repayment Assistance Plan is offered for both Canada and Alberta student loans. The plan provides students with short-term assistance if they have temporary financial challenges and long-term support if they have persistent financial challenges. Students can apply for RAP at any time during their repayment term. If students are approved for RAP on their Canada student loans, they are automatically approved for RAP on their Alberta student loans. For more information contact the National Student Loan Service Center at 1-888-815-4514 or visit: or .

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