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Emploi et
Développement social Canada
Employment and
Social Development Canada
PROTECTED B WHEN COMPLETED
Repayment Assistance Plan Application
IMPORTANT - See the instructions on Page 3 to complete this form. Please type or print in block letters. All areas must be completed or your application will be returned.
Section 1 - Applicant Information
Last Name First Name
Mailing address Social Insurance Number (S.I.N.)
Do you reside in Canada?
No Yes
Primary Telephone Number Alternate Telephone Number Application Reference Number
Marital Status:
Married/Common Law
Single
Family Size
Do you have a Permanent Disability? To be used for consideration for Repayment Assistance
Plan for borrowers with a Permanent Disability.
No Yes
Section 2 - Statement of Monthly Gross Family Income: You may be required to provide proof of your income.
See Section 2, number 6, of the attached
Instructions Sheet
Month 1
Income received during
the month you sign and date the application
Month 2
Income received during
the month before Month 1
Your Total Gross Family Income $ $
If you indicated $0 as Gross Family Income for either month, indicate below how you are meeting your living expenses:
Supported by parent(s) Supported by other family member Supported by a friend Using personal savings
Other
(please describe):
Section 3 – Government Student Loan Information
3a) If you have any Federal (Full-Time or Part-Time) or Provincial Student Loans and a Canada Apprentice Loan in repayment, please provide the outstanding loan
balances and payment below:
Name of Financial institution(s)
and/or Service Provider
Indicate if Federal (Canada) or
which Province
Current Balance Regular Monthly Payment
$ $
$ $
$ $
3b) If your spouse has any Federal (Full-Time or Part-Time) or Provincial Student Loans and/or a Canada Apprentice Loan in repayment provide the outstanding loan
balances and payment below:
Total outstanding balance of
all student and apprentice
loans, combined
$
Total regular monthly payment of all
student and apprentice loans,
combined
$
Section 4 - Applicant's Signature
By signing below:
- You certify that all information that you have provided in your Repayment Assistance Plan (RAP) application, and to any previous Canada Student Loan and/or
Canada Apprentice Loan, is true and complete, to the best of your knowledge.
- You acknowledge that the federal government, the provincial or territorial government(s) and any of their agents or contractors, the National Student Loans Service
Centre, the Canada Apprentice Loan Service Centre, consumer credit grantor(s), credit bureau(s), credit reporting agency(ies), any person or business with whom
you have or may have had financial dealings and your Financial Institution(s) may directly or indirectly collect, retain, use, disclose, and exchange among
themselves any personal information related to this application for the purposes of carrying out their duties under the federal act(s) and regulation(s) or the
applicable provincial act(s) and regulation(s) or the provincial programs relating to student financial assistance including for administration, enforcement, debt
collection, audit, verification, research and evaluation purposes. Where your consent is required to permit the direct or indirect collection, retention, use or disclosure
of personal information required by law, by signing below, you provide your consent.
- You acknowledge that you owe the outstanding loan balance on each debt identified in Section 3a) for the purpose of any applicable limitation legislation.
- You understand that if you fail to sign this RAP application, you will not receive any assistance under RAP.
Application Date (YYYY-MM-DD)
Applicant's Signature
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Repayment Assistance Plan
Eligibility Overview
1. Your loan(s) must be in repayment status. You may need to submit further documentation related to the repayment of your Integrated Student Loans,
Canada Student Loans, Canada Apprentice Loans or Provincial Student Loans, as applicable. To obtain the required forms or agreements, contact the
National Student Loans Service Centre or your Financial Institution or complete and sign the documentation that has been provided. You may be
required to provide additional supporting documentation as proof of all income reported in Section 2 in order to determine eligibility for the Repayment
Assistance Plan (RAP).
2. You must reside in Canada to be eligible for RAP. For the purposes of this application, if you are participating in an international internship program or
are a member of the Canadian Armed Forces stationed abroad, you qualify.
3. You may be ineligible for repayment assistance if you are currently restricted from eligibility for any student or apprentice loans.
4. You may need to enter into a new agreement to alter your payment terms. If you have outstanding interest that you have not paid, you can chose to add
it to your principal balance (capitalize), if you have not previously used this option. You may only capitalize up to three months of interest to the principal
balance of your loan.
5. You may be restricted from future financial assistance if you provide false or misleading information, including by omission.
Contact Information
If you need help completing this application or have other questions concerning your student loans, please contact the National Student Loans Service Centre
or your Financial Institution.
National Student Loans Service Centre On-line: NSLSC.ca
Toll Free: 1 888 815-4514 (within North America) TTY: 1 888 815-4556
800 2 225-2501 (outside North America, dial the appropriate country code first)
Fast Facts about the Repayment Assistance Plan
If you have student loans from Alberta, British Columbia, Ontario, New Brunswick, Newfoundland and Labrador, Nova Scotia or Saskatchewan, and/or
Canada Apprentice Loans, this single application will cover both your Federal and Provincial loans under the applicable Federal and Provincial RAP
programs, and Interest Relief for some provincial loans.
If you are approved for the Repayment Assistance Plan (RAP), your loan payment terms will be altered during your approved period of RAP in accordance
with the applicable Federal and Provincial RAP programs. More specifically, if you are approved for RAP, your monthly payment amount will be reduced to an
affordable payment that will never exceed 20% of your gross family income, and may be reduced to a zero payment amount. During an approved period of
RAP, all payments will be applied to your principal first. If you are not approved for RAP, you will remain responsible for making your regular loan payments in
accordance with your payment terms.
Periods of Assistance: RAP is available in six month blocks of time (to a maximum of 180 months) at any point during your loan repayment.
Re-Application: At the end of your six month RAP term, if you wish to continue with repayment assistance, you must re-apply. If not, you are responsible for
making your regular loan principal and interest payments in accordance with your regular payment terms. Depending on the impact of RAP on your
Outstanding Loan Balance, your payment amount may increase or your amortization period may be extended.
Restrictions: If you are approved for RAP, you may be subject to restrictions, if (1) you fail to make all your affordable payments by the end of the month
following your six-month RAP period, (2) you receive "write down" benefits in RAP Stage 2, or (3) you are on RAP-PD and more than five years have passed
since your completion of studies. Restrictions will prevent you from obtaining further loans and grants until you have fully paid your existing student and/or
apprentice loans.
Further details on restrictions are available through the National Student Loans Service Centre (NSLSC) or at CanLearn.ca.
Date and Signature: You must sign and date your application and ensure that the NSLSC or your Financial Institution receives your application within 40
days of your signature date. The NSLSC and/or the Canada Apprentice Loan Service Centre will send a letter to you with the result of your application.
Privacy Notice Statement
The information you provide is collected under the authority of the Canada Student Financial Administration Act (CSFAA) and Regulations, the Canada Student Loans Act (CSLA) and Regulations, and the
Apprentice Loan Act (ALA) and Regulations for the administration of the Canada Student Loans Program (CSLP) and/or the Canada Apprentice Loan (CAL). The Social Insurance Number (SIN) is collected under
the authority of the Canada Student Financial Assistance Regulations (CSFAR), Canada Student Loan Regulations (CSLR), and Apprentice Loan Regulations (ALR) and in accordance with the Treasury Board
Secretariat Directive on the Social Insurance Number, which lists the CSFAR, CSLR, and ALR as authorized users of the SIN. The SIN will be used as a file identifier, and, along with the other information you
provide, will also be used to validate your application, and to administer and enforce the CSLP and CAL.
Participation in the Repayment Assistance Plan (RAP) is voluntary. Refusal to provide your personal information will result in you not receiving any assistance under RAP.
The information you provide will be shared with provincial governments, financial institutions, the National Student Loans Service Centre, and the Canada Apprentice Loan Service Centre. The information you
provide may be disclosed to Statistics Canada for statistical and research purpose. It could also be shared with other federal government institutions, and any previous lender for the purpose of the administration
and enforcement of the CSFAA, CSLA or ALA.
It may also be shared with consumer credit grantor(s), credit bureau(s), credit reporting agency(ies), any person or business with whom you have or may have had financial dealings, and your Financial
Institution(s) to directly or indirectly collect, retain, use, and exchange among themselves any personal information related to this application for the purposes of carrying out their duties under the Federal Act(s)
and Regulation(s) and/or the applicable Provincial Act(s) and Regulation(s) relating to student and/or apprentice financial assistance including for administration, enforcement, debt collection, audit, verification,
research, and evaluation purposes.
Your personal information is administered in accordance with the CSFAA and CSFAR, CSLA and CSLR, the ALA and ALR, the Department of Employment and Social Development Act, the Privacy Act, and other
applicable laws. You have the right to the protection of, access to, and correction of your personal information, which is described in Personal Information Bank(s) ESDC PPU 030 and/or ESDC PPU 709.
Instructions for obtaining this information are outlined in the government publication entitled Info Source, which is available at the following web site address: www.canada.ca/infosource-ESDC. Info Source may
also be accessed on-line at any Service Canada Centre. You have the right to file a complaint with the Privacy Commissioner of Canada regarding the institution's handling of your personal information at:
https://www.priv.gc.ca/faqs/index_e.asp#q005 1994, c.28, as amended, and the Canada Student Financial Assistance Regulations, SOR 95-329, as amended. If you have any questions about the collection or use
of this information, contact the Director, Student Support Branch, Ministry of Training, Colleges and Universities, PO Box 4500, 189 Red River Road, 4th Floor, Thunder Bay ON P7B 6G9; (807) 343-7260.
Notice of collection of personal information (relevant to borrowers with ON student loans)
The personal information provided in connection with this application, including your Social Insurance Number ("SIN"), is necessary for the proper administration of the Ontario Student Assistance Program
("OSAP"). This information is being collected and will be used by the Ministry of Training, Colleges and Universities ("the ministry") to administer and enforce OSAP including: determining eligibility; verifying the
application and any Interest Relief granted; maintaining and auditing the applicant's file; and collecting loans, overpayments, and repayments. Your SIN will be used as a general identifier in administering OSAP.
The ministry administers and enforces OSAP under the authority of the Ministry of Training, Colleges and Universities Act, R.S.O. 1990, c. M.19, as amended, and R.R.O. 1990, Reg. 774, as amended, O. Reg.
312/10, as amended, and O. Reg. 268/01, as amended; the Ontario Financial Administration Act, R.S.O.1990, c. F.12, as amended; the Canada Student Financial Assistance Act, S.C. 1994, c.28, as amended,
and the Canada Student Financial Assistance Regulations, SOR 95-329, as amended. If you have any questions about the collection or use of this information, contact the Director, Student Support Branch,
Ministry of Training, Colleges and Universities, PO Box 4500, 189 Red River Road, 4th Floor, Thunder Bay ON P7B 6G9; (807) 343-7260.
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Notice of Collection of Personal Information (relevant to borrowers with BC student loans)
The personal information in relation to this application, or subsequently collected from you relevant to this application, is collected by or on behalf of BC under the authority of section 26(c) of the BC Freedom of
Information and Protection of Privacy Act ("FOIPPA") for the purposes of assessing your on-going eligibility for and administering repayment assistance, administering and enforcing your British Columbia student
loan(s), and administering the British Columbia Student Assistance Program, including verifying and investigating information provided in connection with this application. Questions about the collection and use of
your personal information can be directed to the Executive Director, StudentAid BC, Ministry of Advanced Education, PO Box 9173, Stn Prov Govt, Victoria, BC V8W 9H7 (call 250-387-6100 (Victoria),
604-660-2610 (BC Lower Mainland) or 1-800-561-1818 (toll-free in Canada/USA).
Instructions to complete your Repayment Assistance Plan Application
To ensure that your Repayment Assistance Application is processed as quickly as possible, it is important that you fill it out completely and correctly, and
provide all supporting documentation.
Please use the checklist below to ensure you have covered all the steps.
Section 1 – Applicant Information
1. Enter your personal information.
2. Indicate if you are a Canadian resident.
You must reside in Canada to be eligible for repayment assistance.
- If you are a Member of the Canadian Armed Forces who is stationed abroad or if you are participating in an international internship program
for a maximum time period of one year, you qualify as a Canadian resident.
- You must provide a letter from the employer/program that outlines the start and end dates of the term.
3. Indicate your family size
Identify the number of people in your family residing with you permanently, including yourself, spouse or common-law partner and
dependants, as applicable. Dependants are children under 21 years of age and living with you or in full-time school attendance. If you are
single, with no dependants, enter "1" for your family size.
4. Indicate your marital status.
Single includes the following: separated, widowed, divorced, single parent and not living common-law.
Spouse means your partner if you are married or common-law.
5. Indicate if you are permanently disabled.
This information is necessary if you wish to be assessed for the Repayment Assistance Plan for Persons with Permanent Disabilities.
Section 2 – Statement of Monthly Gross Family Income Prior to Deductions: You may be required to provide proof of your income.
6. Calculate your monthly gross family income. Gross family income is before taxes and deductions.
- Family Income is you and your spouse's combined income, if you are married or living common-law.
- Examples of income include: employment earnings, investment earnings (cashed in Registered Retirement Savings Plan), payments
received through Federal or Provincial social programs (Employment Insurance, Worker's Compensation, Canada or Quebec Pension Plan
and superannuation), support payments (child and/or spousal support), monetary gifts or lottery winnings, or other income such as awards,
scholarships, fellowships, bursaries and grants.
- The following items are not considered as income: income tax refunds, GST/HST credits, Federal and Provincial Child Tax benefits,
refundable tax credits (Provincial sales tax, Property Tax Credits, Universal Child Care Benefit, Supplements for Working Families, Student
loan disbursements).
- Deduct the amount of any child support payments or spousal support payments, from your gross monthly income.
- Proof of Income: If you are requested to provide proof of income, please provide photocopies and keep the originals for your files. If you are
self-employed, a monthly business bank statement, a letter from your Financial Institution, or a letter signed by an accountant is acceptable
proof of income.
7. Zero Gross Family Income
If you and, if applicable, your spouse/partner had no income for any of the months on the application, you must describe on the Repayment
Assistance Application how you live or lived on no income.
Section 3 - Government Student Loan Information
8. Information about your and your spouse's Federal (Full-Time or Part-Time) or Provincial Student Loans and/or Canada Apprentice Loans that are
currently in repayment.
Complete 3a) with your Student Loan information and if applicable 3b) with your spouse's Student Loan information.
These are the details of your student loans (not a student line of credit). Example:
Financial Institution
(ex. CIBC)
Province of Issue
(ex. Ontario)
Current Balance
(ex. $5200)
Regular Monthly Payment
(ex. $325)
Section 4 – Applicant's Signature
9. Sign and date your completed application.
10. Mail your application and copies of supporting document(s) to the National Student Loans Service Centre.
Mailing Address: National Student Loans Service Centre, P.O. Box 4030, Mississauga, ON, L5A 4M4
Note: If you have student loans with a Financial Institution, and you do not have any loans administered by the National Student Loans
Service Centre, you must submit your application and copies of supporting document(s) directly to your Financial Institution.
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