• On-Line Access to Your File!  
• Student
  Father
  Mother
  Spouse
  Sponsor
• Assessment simulator

• Availability of your on-line services

Updating Your Information

• Mailing address, telephone number and e-mail address.

How to Proceed

• Your first application
• Subsequent applications

Items of Interest

• Loans and Bursaries Program
  • Eligibility requirements
  • Eligibility period and debt limit
  • Dates to remember and repayment terms
  • Change in circumstances
  • Balancing studies and family obligations
  • Serious health problem
  • Costs related to the purchase of computer equipment
  • Allowance for Training Support Materials
  • Appeals
• Assessment – Loans and Bursaries Program
  • Amount of loan
  • Amount of bursary
  • Allowable expenses
  • Student contribution
  • Student category
  • Parental or sponsor's contribution
  • Spousal contribution
  • Assessment parameters
• Loans Program for Part-Time Studies
  • Eligibility requirements
  • Eligibility period and debt limit
  • Change in circumstances
  • Guarantee certificate
  • Appeals
  • Exceptional cases of eligibility under the Loans and Bursaries Program
• Assessment – Loans Program for Part-Time Studies
  • Student category
  • Loan eligibility
  • Amount of loan
• Other programs
  • Work/Study Program
  • Allowance for Special Needs Program - Youth
  • Allowance for Special Needs Program - Adults
  • Loan Remission Program
  • Deferred Payment Plan
  • Explore Program
• Print forms
  • All forms
  • Loans and Bursaries Program
  • Declaration and attestations
  • Exceptional cases
  • Loans Program for Part-Time Studies
  • Other programs
• Publications
  • Loans and Bursaries: Answers to Your Questions
  • Student Financial Assistance
  • Survey of student living conditions (French only)
  • Statistics (French only)
  • Administrative documents (French only)
• Glossary
• Organization
  • Mission
  • History
  • Administrative structure

Parents, Sponsor,
Spouse

• Overview
• Parental contribution
• Spousal contribution
• Declaration of parents
• Declaration of spouse

Exemptions

In order to calculate your exemptions, you must first determine the number of months during which no expenses are allowed between January 1 of the previous award year and the last month during which expenses are allowed in the current award year. This number of months is then used to determine your protected income according to the following calculation:

$1 100 X the number of months during which no expenses are allowed

This result or a portion thereof serves to determine your exemptions:

1. Basic exemption

   Your basic exemption is your employment income or 30% of your protected income, whichever is less.

2. Additional exemption

   An additional exemption is allowed based on your situation during the first month of study:

   • If you are deemed to be living with your parents, i.e. you are a student with a parental contribution or you are a student without a parental contribution, but living with your parents, an amount equal to 5% of your employment income – up to a maximum of 5% of your protected income – is added to your basic exemption.
   • If you are not deemed to be living with your parents, i.e. you are a student without a parental contribution and are not living with your parents during your first month of study, or you are a student with a spousal contribution, an amount equal to 35% of your protected income plus an amount equal to 35% of your employment income are added to your basic exemption. The additional exemption must not exceed 70% of your protected income.

Basic exemption

The lesser of the following two amounts: 100% of your employment income or 30% of your protected income

Additional exemption

Student deemed to be living with parents: 5% of your employment income, up to an amount equal to 5% of your protected income

Student not deemed to be living with parents: 35% of your protected income + 35% of your employment income, up to 70% of your protected income