The Repayment Assistance Plan (RAP) and the Repayment Assistance Plan for Borrowers with a Permanent Disability (RAP-PD) makes it easier for you to manage your student loan debt by reducing your monthly payment.

• Your monthly student loan payments would either be reduced or you would not have to make any payments, depending on your financial situation. If you have a permanent disability, it could also depend on your permanent disability-related expenses, which include allowable uninsured medical expenses, special care and other expenses directly related to your permanent disability.
• Enrolment is not automatic and you must re-apply for this plan every six months. Use the Repayment Assistance Estimator to determine whether you are eligible for the RAP.

Note: If your loans were issued to you by Prince Edward Island or Manitoba, you must apply directly to your province for repayment assistance for your provincial loan. Contact your provincial student financial assistance office to find out more.

Eligibility

You may qualify for repayment assistance if:

• you reside in Canada (or are on an international internship or are a reservist deployed abroad);
• at least six months have passed since you graduated or left school; and
• your loans are up to date.

If you have a permanent disability, you may qualify for RAP-PD if:

• your permanent disability has been assessed and recognized by the Canada Student Loans Program; and
• you are eligible for the Repayment Assistance Plan.

Annual Gross Family Income Thresholds for Zero Payment under RAP by Family Size