Where to Make Payments
You applied for your loans through your provincial/territorial student assistance office. But don’t assume that you only have 1 loan to pay back.
In some provinces and territories, loans are issued separately by the federal and provincial/territorial governments. That means that you could have more than 1 loan and more than 1 loan issuer to arrange payments with.
To find out who holds your loans, how many loans you have altogether, and how much you'll have to pay, list out the province or territory you applied to for your loan(s), and the years in which you received loans. If you received loans from more than 1 province or territory, you will need to contact each of your loans holders to arrange to repay them.
If you're missing information to ensure those payments are complete, contact the Provincial or Territorial Student Assistance Office(s) that issued you provincial or territorial loans for information on those loans. Contact the National Student Loans Service Centre (NSLSC) for information on your Canada Student Loans or integrated student loans issued on or after August 1, 2000.
1) Were your loans issued to you by:
For full-time students—In this case, the Government of Canada and the province issued both the federal and provincial loans through an Integrated Loan program. You will repay your loan through the National Student Loans Service Centre (NSLSC). You can also see the status of your loan and update your contact information by registering for the NSLSC’s Online Services.
If you received loans prior to August 2001, you may also have Canada Student Loans or provincial loans at a bank. See Special Circumstances.
For part-time students—You applied for and will be repaying a part-time Canada Student Loan. You'll manage and repay your loan through the NSLSC.
2) Were your loans issued to you by:
For full-time students—Although you only applied once through your province, you'll be making payments on 2 loans: a federal student loan and a provincial student loan. That means you'll have to stay in touch with at least 2 loan providers.
The Canada Student Loan (the federal student loan) is managed through the NSLSC, which is where you will send your payments.
The provincial or territorial loan will be repaid through your province or territory, or 1 of their loan service providers. Visit the Web site of your Provincial or Territorial Student Assistance Office to discover the exact process or to find out who to contact for help.
If you received loans prior to August 2000, you may also have Canada Student Loans or provincial/territorial loans at a bank. See Special Circumstances.
For part-time students—You applied for and will be repaying a part-time Canada Student Loan. You'll manage and repay your loan through the NSLSC.
3) Were your loans issued to you by:
- Quebec
- Nunavut or
- the Northwest Territories?
For full-time students—If you received loans from Quebec, Nunavutor the Northwest Territories, then you repay your loan only through the Student Assistance Office of your province or territory of residence. Quebec, Nunavutand the Northwest Territoriesdon't participate in the federal Canada Student Loans Program. They operate their own student assistance plans, which are partly funded by federal government transfers.
For part-time students—You applied for and will be repaying a part-time Canada Student Loan. You'll manage and repay your loan through the NSLSC.
4) Were your loans issued to you by Yukon ?
For full-time students and part-time students—Then you received a Canada Student Loan. Yukondoesn't offer a territorial student loan program. You'll manage and repay your loan through the NSLSC.
Special circumstances
If you received:
- a Canada Student Loan before August 1, 2000
- an Ontario Student Loan before August 1, 2001
- a Saskatchewan Student Loan before August 1, 2001
- a New Brunswick Student Loan before August 1, 2000 or
- a Newfoundland and Labrador Student Loan before August 1, 2000,
then you must contact those loan holders and arrange to repay those loans directly to the financial institutions that issued them.
If you received loans prior to August 1, 2000 from British Columbia, Alberta, Manitoba, Nova Scotia, Prince Edward Island or Yukon, then you must contact those loan holders as well and arrange to make payments directly to the financial institutions that issued them.
