You begin repaying your student loan debt six months after you graduate or stop attending school on a full-time basis; however, interest accumulates during this six month period. You are not required to make loan payments while you are studying full-time and interest will not accumulate.

Note for part-time students: You begin repaying your student loan six months after you graduate or stop going to school. You are not required to make loan payments while you are studying, but interest will accumulate on your part-time student loan.

The Government of Canada and most provincial and territorial governments offer repayment assistance measures to help you repay your student loans when you're experiencing difficulty. Contact the National Student Loans Service Centre and your provincial or territorial student financial aid office to discuss repayment assistance options.

If you have a provincial or territorial government student loan, contact your provincial or territorial student financial assistance office to find out about their repayment assistance programs.

If you have a Canada Student Loan, one of the following measures may be right for you:

Repayment Assistance Plan
The Repayment Assistance Plan helps you pay back what you can reasonably afford.

Repayment Assistance Plan for Borrowers with a Permanent Disability (RAP-PD)
The RAP-PD helps borrowers with a permanent disability pay back what they can reasonably afford.

Permanent Disability Benefit
If you have a severe permanent disability, you may be eligible to have your loans forgiven through the Permanent Disability Benefit program.

Revision of Terms: Reduce Your Payment
Under the Revision of Terms measure, you can ask to decrease or increase your student loan payments if you are having difficulty repaying your student loan debt or you wish to pay off your loan debt more quickly.