Government Assistance
Government assistance programs can help make your education more affordable.
Explore our resources on federal and provincial loans, grants and repayment options. Contact a Financial Aid + Awards advisor to get help navigating the process.

Where to Start
Begin by exploring what’s available. Review the types of loans and grants you may be eligible for and take note of application deadlines. If anything feels unclear, our Financial Aid + Awards advisors are here to help you understand your options and dig in.
If you’re a B.C. resident, you may be eligible for assistance through StudentAidBC, which combines federal and provincial funding. If you’re from another province or territory in Canada, student aid is available through your home province’s program.
Repayment Responsibilities
All students considering applying for a student loan should carefully consider their repayment responsibilities. We can advise you on credit counselling, student line of credit and assistance, and loan and grant programs for part-time students. Plan ahead and contact us as early as possible, noting the deadlines for each program as they apply to you.
Government Assistance Programs
StudentAidBC (for British Columbia residents)
StudentAidBC is an assistance program combining federal and provincial funds. It is a need‑based program, so the amount of assistance you are eligible for is based upon your financial situation and in some cases, that of your family.
By completing the StudentAidBC application, you are applying for funding from all sources. The resulting award type and amount will be determined by an assessment of need done according to guidelines and criteria set by the provincial government.
StudentAidBC applications take approximately six weeks to process. To receive your funding at the start of classes, it is suggested that you submit your application for fall semester funding no later than July 15 and your application for spring semester funding by November 15. Students can apply online on the StudentAidBC website
Students must complete separate applications for each semester of study and will therefore need to submit two separate applications for one academic year. If you are applying for funding for two semesters, you can apply for more than one semester at the same time. You do not need to be registered in classes in order to apply for funding. Your registration will be confirmed later, closer to your first disbursement date.
Application Deadline
Your application must be received by StudentAidBC at least 6 weeks before the study period end date.
Details regarding all financial aid programs can be found on the StudentAidBC website. Additionally, students can contact representatives of StudentAidBC at:
StudentAidBC
PO Box 9173 Stn Prov Govt
Victoria, BC V8W 9H7
Phone: (604) 660-2610 if calling from the Lower Mainland
Toll-free: 1-800-561-1818
Fax: (250) 356-9455
Canada Student Loans and Provincial Student Loans
Each B.C. student’s loan and grant eligibility will be determined based on financial circumstances. Students from other provinces (see loan programs by areas outside of B.C. below) will be subject to the eligibility requirements of their home province. As this funding may not cover tuition and living expenses, students are encouraged to seek out alternate forms of funding, like grants and scholarships, by doing an exhaustive internet search. Various scholarship search tools are available online, such as yconic, Scholarships Canada, and fastweb.
American Student Financial Assistance
PRIVATE LOAN FUNDING
American citizens may apply for private student loans through the Sallie Mae Smart Option Loan program.
Learn more and apply at salliemae.com.
Funding for Former Youth in Care
If you are living or have lived as a youth in care, you may qualify for financial support to cover some of your education costs. Visit our Funding for Youth in Care page for options.
Student Loan Programs Outside of B.C.
Programs by Provinces + Territories
Alberta
Student Aid Alberta
PO Box 28000 Stn Main, Edmonton, AB T5J 4R4
Toll-free: 1-855-606-2096
Manitoba
Manitoba Student Aid
401-1181 Portage Avenue, Winnipeg, MB R3G 0T3
Phone: (204) 945-6321 | Toll-free in Manitoba: 1-800-204-1685
New Brunswick
Student Financial Services
PO Box 6000, 440 King St, Suite 420, Fredericton, NB E3B 5H1
Phone: (506) 453-2577 | Toll-free: 1-800-667-5626
Newfoundland
Newfoundland & Labrador Student Financial Assistance
Phone: (709) 729-5849 | Toll-free: 1-888-657-0800
Northwest Territories
Student Financial Assistance Program
PO Box 1320, 4501 50th Ave, Yellowknife, NT X1A 2L9
Phone: 867-767-9355 | Toll-free: 1-800-661-0793
Nova Scotia
Student Assistance Office
PO Box 2290, Halifax Central, Halifax, NS B3J 3C8
Phone: 902)-424-8420 | Toll-free: 1-800-565-8420
Nunavut
Financial Assistance for Nunavut Students
PO Box 390, Arviat, NU X0C 0E0
Toll-free: 1-877-860-0680
Ontario
Ontario Student Assistance Program
189 Red River Road, 4th Floor, Thunder Bay, ON P7B 6G9
Phone: (807) 343-7260 | Toll-free: 1-877-672-7411
Prince Edward Island
Student Financial Services
PO Box 2000, 176 Great George St, Suite 212, Charlottetown, PE C1A 7N8
Phone: 902-368-4640
Quebec
Student Financial Assistance: Loans and Bursaries
1035, rue de la Chevrotière, Québec, QC G1R 5A5
Toll-free: 1-877-643-3750
Saskatchewan
Student Student Aid
1120-2010 12th Avenue, Regina, SK S4P 0M3
Phone: 306-787-5620 | Toll free: 1-800-597-8278
Yukon Territory
Student Financial Assistance
Box 2703, Whitehorse, YT Y1A 2C6
Phone: (867) 667-5929 | Toll-free: 1.800.661.0408, ext 5929 (Yukon only)
Other Funding Resources
Student Line of Credit
Most of Canada’s chartered banks currently offer lines of credit to Canadian students. Monthly interest must be paid by the borrower while in school, but payments on loan principal can be deferred until the student is no longer in school. A co-signer is often required. For further details, contact a loans officer at your bank. Students should also inquire at their bank about special banking packages, with reduced user fees, which are often made available to students.
Emily Carr University Short-Term Loan Fund
The University offers interest‑free loans of up to $200 for 30 days. Short‑term loans are available during the fall and spring semesters (maximum one per semester) and the deadline to apply each week is Monday at noon for a cheque on Friday of the same week. Application forms are available from the Financial Aid + Awards Office. Applicants should be aware that failure to repay this loan will result in the University withholding grades, preventing registration in subsequent terms and restricting further access to this fund.
Financial Assistance for Part-Time Studies
If you are studying part-time in a degree or diploma program you may be eligible to apply for the federal part-time loan program and/or grants as long as you meet the eligibility criteria.
Only Canadian citizens, landed immigrants and convention refugees can be considered for the following part-time assistance.
- Canada Student Grant for Students with Permanent Disabilities
- Supplemental Bursary for Students with Disabilities
- Canada Student Grant for Part-Time Students
- Canada Student Grant for Part-Time Students with Dependants
- Canada Student Loan for Part-Time Students
Grant funding will assist with tuition costs, books and supplies, transportation, child care and a miscellaneous allowance. It does not cover living costs.
If you are studying or are planning to be a part-time student and want to explore your funding options, please contact the Financial Aid + Awards Office.
About Repayment of Your Loan
When do you have to start repaying?
Student loan payments begin six months after you leave full-time studies (defined as 60% of a full course load). No payments are required during this grace period, but you must contact the National Student Loan Service Centre to arrange repayment before it ends.
Canada Student Loans
As of April 1, 2023, the Government of Canada no longer charges interest on Canada Student Loans, including those in repayment. You’re still responsible for any interest accrued before this date or through your provincial loan program.
Everything you need to know about repayment rules and options
Remaining on Interest-Free Status
If you have previous student loans (before April 1, 2023) and are currently enrolled full-time but do not have student loans, you must tell the National Student Loan Service Centre that you are back in full-time studies. Failure to do so could result in your loans going into repayment during your full-time studies. You can apply for interest-free online at the National Student Loan Service Centre or contact your home province for further assistance.
Interest Rate in Repayment
Please register online at the National Student Loan Service Centre or go to your home province for further information on the interest on your loan.
Repayment Assistance Plan
The Repayment Assistance Plan (RAP) is available to assist the borrowers who are experiencing difficulties paying back their student loans. The plan allows the borrowers to manage their debt by making affordable payments.
Student loan borrowers must apply for the Repayment Assistance Plan. Enrolment is not automatic. Please visit CanLearn’s Repayment Assistance Plan website for further information on the process.
Redeem Loyalty Points to repay your Student Loans
Students can repay their Canada Student Loans by redeeming loyalty program points from Aeroplan, TD Rewards and the CIBC Aventura programs. Businesses, friends or family can also convert their loyalty points to repay a student’s or a graduate’s loans.
Loan Repayment Estimator
If you would like to estimate your monthly loan payments, you can visit the Loan Repayment Estimator.
Borrower’s Responsibilities
As a student loan borrower, it is your responsibility to:
- Keep a current address and telephone number on file with the National Student Loan Service Centre;
- Contact the National Student Loan Service Centre before the expiry of the six-month grace period to discuss repayment terms;
- Make regular payments as specified in the loan repayment agreement;
- Reinstate each previous student loan to interest-free/payment-free status at the start of each new academic session if your home province charges interest on the provincial loan portion
Defaulting on a Canada Student Loan
Failure to repay your loans in a timely manner will result in you defaulting on your student loans. It is your responsibility to ensure your loans are in good standing to avoid defaulting. If you default on your loans, your lenders, the Government of Canada, and the Province of British Columbia will take steps to recover the debt, which may include reporting you to a credit agency, using a private collection company, or taking legal action. Additionally, future income tax refunds may be withheld and applied to your defaulted loan debt. Your Canada student loans or provincial student loans cannot be absolved through bankruptcy for a period of 10 years after the end of your studies.
If you have defaulted on a student loan, you will not be eligible for further student loans unless your borrowing privileges are reinstated. To be considered for reinstatement, you must have made every effort towards meeting your obligations during the preceding 12 months or show that the default was due to circumstances beyond your control. To request reinstatement, and information about rehabilitating a defaulted student loan about you must contact the National Student Loan Service Centre.
Credit Counselling Canada
Credit Counselling Canada is a non-profit organization governed by a volunteer board of directors. Member agencies are community based and managed by professional staff. The mandate of Credit Counselling Canada includes ensuring all Canadians have access to not-for-profit counselling and advocacy for issues related to money management and the wise use of credit. Credit Counselling Canada understands that anyone can experience financial problems and helps people through counselling, debt repayment programs and education. For more information, or to find a credit counsellor near you, visit Credit Counselling Canada or contact the B.C. Branch directly or call 1-888-527-8999.