Applying is easy. Just remember this: whether you plan to attend a post-secondary school on a full-time or part-time basis, you apply for student financial assistance through your province or territory of  permanent residence.

The Government of Canada and most provincial or territorial governments work in partnership to deliver federal and provincial student loan and grant programs. These partnerships help simplify the process for you to apply for, manage, and repay your student loans.

• British Columbia, Alberta, Manitoba, Nova Scotia, and Prince Edward Island  — Canada Student Loans are available alongside provincial or territorial student financial assistance.
• Saskatchewan, Ontario, New Brunswick, and Newfoundland and Labrador  — The Government of Canada and the provincial governments partner to provide financial assistance jointly through Integrated Student Loans.
• Nunavut, the Northwest Territories, and Quebec  — Canada Student Loans are not available. These jurisdictions operate their own student loan programs.
• Yukon — Only Canada Student Loans are available to permanent residents of the Yukon.

Note to Part-time students: Only the Government of Canada offers Canada Student Loans and Canada Student Grants for part-time students.

When you apply and are eligible for a Canada Student Loan, you are automatically assessed for most Canada Student Grants, money you do not pay back.

Some provincial and territorial student grants may be available in addition to Canada Student Grants. Contact your province or territory’s student financial assistance office to learn more.

If you are a permanent resident of Saskatchewan, Ontario, New Brunswick, or Newfoundland and Labrador:

• You complete one application form and submit it to your province of permanent residence.
• You are assessed for both federal and provincial student loans.
• You are automatically assessed for most Canada Student Grants.
• You may be eligible to receive one loan: a combination of federal and provincial student loans.
• You manage and repay your student loan through the National Student Loans Service Centre (NSLSC).

If you are permanent resident of British Columbia, Alberta, Manitoba, Nova Scotia, or Prince Edward Island: 

• You complete one application form and submit it to your province of permanent residence.
• You are assessed for both federal and provincial student loans.
• You are automatically assessed for most Canada Student Grants.
• You may be eligible to receive two loans: one from the Government of Canada, and the other from your provincial government.
• You manage and repay your loans through two loan providers: the NSLSC for your Canada Student Loan, and your provincial governments's student financial assistance office for your provincial loan.

If you are a permanent resident of the Northwest Territories, Nunavut, or Quebec:

• You apply to your province or territory of permanent residence for student loans.
• Canada Student Loans and Canada Student Grants are not available. These jurisdictions operate their own student loan programs, which are partly funded by federal government transfers.
• You manage and repay your student loan to your province or territory of permanent residence.

If you are a permanent resident of the Yukon:

• Only Canada Student Loans and Canada Student Grants are available to permanent residents of the Yukon.
• You apply for a Canada Student Loan and Canada Student Grants through Yukon Student Aid.
• You manage and repay your student loan through the NSLSC.