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Canada Student Loans: NSLSC login, repayment, contact

Compiled by Mahmoud Halat, checked

Short answer

Canada Student Grants and Loans help pay for college, university and trade school. You do not apply to Ottawa directly: apply through the student aid office of the province or territory you live in, which works out what you get. Grants do not need to be repaid. Loan repayment starts 6 months after you leave school, through the National Student Loans Service Centre.

Who handles it

Service Canada (Employment and Social Development Canada)

Handles it everywhere in Canada except Quebec (Aide financière aux études (Gouvernement du Québec)), Northwest Territories (Student Financial Assistance (Government of the Northwest Territories)) and Nunavut (Financial Assistance for Nunavut Students (Government of Nunavut)).

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Who can apply

  • Grants and loans are for students with low and middle incomes, students with dependants and students with disabilities. Grants are not repaid; loans are.

    Source: canada.cachecked #

  • From August 1, 2026, students at private, for-profit international schools can no longer get federal funding, and most full-time students at private for-profit schools in Canada cannot get the full-time grant.

    Source: canada.cachecked #

Steps

  1. To get your money, you or your school must confirm your enrolment. You can do this in your National Student Loans Service Centre (NSLSC) account.

    Source: canada.cachecked #

How much you get

  • Until the end of the 2026 to 2027 school year, the Canada Student Grant for Full-Time Students is up to $4,200 a year, or $525 for each month of study.

    Source: canada.cachecked #

How long it takes

  • After you finish school, drop to part-time or leave, you have 6 months before you must start repaying. You get a package with your payment terms within those 6 months.

    Source: canada.cachecked #

Where to go

  • Apply through the student aid office of the province or territory you live in. The amount you can get is calculated when you apply.

    Source: canada.cachecked #

  • Canada Student Grants and Loans are not offered in Quebec, the Northwest Territories or Nunavut. Students there use their own provincial or territorial programs.

    Source: canada.cachecked #

Good to know

  • If you cannot keep up with payments, you can apply for the Repayment Assistance Plan. People with a severe permanent disability may be able to have their loans cancelled.

    Source: canada.cachecked #

Questions people ask

How do I apply for a Canada Student Loan?

Apply through your provincial or territorial student aid office, such as the Ontario Student Assistance Program (OSAP) or British Columbia Student Aid. After you apply, that office contacts you about the next steps.

Source: canada.cachecked #

How much is the Canada Student Grant for full-time students?

Up to $4,200 a year until the end of the 2026 to 2027 school year. You can get it for each year of undergraduate study while you stay in school full-time.

Source: canada.cachecked #

When do I have to start repaying my student loan?

Six months after you finish your final term, drop from full-time to part-time, or leave school. You can delay repayment if you go back to full-time studies.

Source: canada.cachecked #

Where do I repay my Canada Student Loan?

Through the NSLSC. In Alberta, Nova Scotia and Prince Edward Island, the provincial loan is repaid separately to the province. In Quebec, Nunavut and the Northwest Territories, you repay your province or territory.

Source: canada.cachecked #

Can I claim student loan interest on my taxes?

Yes. You get a 15% tax credit on interest you pay each year on government student loans, both federal and provincial or territorial.

Source: canada.cachecked #

Where it works differently

Service Canada (Employment and Social Development Canada) handles it everywhere else.

Province or territoryWho handles itOfficial linkGood to know
QuebecAide financière aux études (Gouvernement du Québec)Student financial assistancechecked Québec runs its own loans and bursaries program; Canada Student Loans do not apply there.
Northwest TerritoriesStudent Financial Assistance (Government of the Northwest Territories)Student Financial Assistancechecked The Northwest Territories runs its own student financial assistance instead of Canada Student Loans.
NunavutFinancial Assistance for Nunavut Students (Government of Nunavut)Apply for FANSchecked Nunavut runs its own student financial assistance (FANS) instead of Canada Student Loans.

Cite this page

Canada Service Map, "Canada Student Loans: NSLSC login, repayment, contact", checked 13 October 2026, https://canadaservicemap.ca/services/canada-student-loans