If you are a student loan borrower with a permanent disability, the following federal student loan repayment measures are available:

• Repayment Assistance Plan for Borrowers with a Permanent Disability (RAP-PD)
• Permanent Disability Benefit 

Contact the National Student Loans Service Centre (NSLSC) if you are experiencing financial difficulty. Staff can help you understand the repayment assistance measures available.

Repayment Assistance Plan for Borrowers with a Permanent Disability

The Repayment Assistance Plan for Borrowers with a Permanent Disability (RAP-PD) is available to borrowers with a permanent disability who are having difficulty repaying their student loan debt. RAP-PD makes it easier for borrowers with a permanent disability to manage their student debt by paying back what they can reasonably afford.

Under The Plan:

• Loan payments are based on family income, family size, and disability-related expenses (allowable uninsured medical expenses, special care and other expenses directly related to the disability).
• Borrowers will not make payments exceeding 20 percent of their income towards loans covered by RAP-PD.
• In certain cases borrowers may not have to make any loan payments until their income increases.
• No borrower with a permanent disability should have a repayment period longer than 10 years.

Note: If you are a student with a severe permanent disability who is prevented from working and going to school and who will never be able to repay your loans, you may benefit from having your loans immediately forgiven under the Permanent Disability Benefit. You must apply for the Benefit.

How do I apply?

You must apply for RAP-PD. Enrolment is not automatic.

• Call the NSLSC at 1-888-815-4514 for information about your eligibility for the RAP-PD.
• Request an application from the NSLSC by phone.
• Complete and sign the application form, and submit it to the NSLSC, with all the required supporting documentation.

Note: Student loan borrowers who received student loans before 2000 can ask for an application from their financial institution and submit the completed application to their financial institution.