Before
Your Studies

• Overview
• Allowable expenses
• Contribution
• Payment
• Assessment

During
Your Studies

• Overview
• In Québec
• Outside Québec
• Appeals
• Interruption

After
Your Studies

• Overview
• Repayment
• How to proceed
• Interest rates
• Postponement

1. You are pursuing studies that are not full-time studies within the four-month period preceding a month of full-time studies.

   The amount of the reduction is calculated as follows:

   • If you attend university: $255 X number of credits
   • If you attend a private college: $22 X number of course hours
   • If you attend a public college or are enrolled in a secondary school vocational training program: $15 X number of course hours
   minus

   (2.5% of your employment income, up to an amount equal to your protected income
   X [number of course hours ÷ 15] or [the number of credits])

2. You are in the first situation or you are working and are deemed living with your parents for the purpose of calculating an exemption (but you are not living with them during the months for which your expenses are not allowed).

   A second reduction is applied and is calculated as follows:

   • If you are pursuing studies that are not full-time studies:
     • If you attend university: $120 X number of credits
     • If you attend college or are enrolled in a secondary school vocational training program: $8 X number of course hour
   • If you are working, $380 X the lesser of the following two amounts:
     • The number of months considered when calculating the protected income
       – (number of credits ÷ 3) or (number of course hours ÷ 45), or
     • your employment income ÷ $1 110