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Repayment

Once your studies have been completed, your financial institution will inform you in writing about the repayment terms that apply to your student loan debt. If you have any questions, please contact your financial institution’s loan centre.

Student Loan Centres of financial institutions

Desjardins Student Service Centre
Desjardins Student Loan Management
Montréal area: 514 281-1128
Toll-free: 1 866 388-3373

BMO Bank of Montreal Student Loan Centre
Montréal area: 514 877-1199
Toll-free: 1 800 263-1132

RBC Royal Bank of Canada Student Loan Centre 
Toll-free: 1 800 297-3250   

National Bank of Canada Student Loan Centre
TELNAT Customer Service Centre
Montréal area: 514 394-5555
Toll-free: 1 888 835-6281

Laurentian Bank of Canada Student Loan Services
Montréal area: 514 523-2200
Toll-free: 1 800 263-3546

CIBC Student Loan Centre
Montréal area: 514 845-3037
Toll-free: 1 800 360-2422

TD Canada Trust Student Loan Centre
Montréal area: 416 646-4186
Toll-free: 1 866 223-5394

Frequently Asked Questions

I have finished my studies. When do I need to begin to repay my loan?

The government stops paying the interest on your loan the month after the end of your studies, and you become responsible for this. You can start the repayment process immediately or take advantage of the 6-month option. If you choose the 6-month option, you will not be obligated to repay the loan principal during that time and the accrued interest will be deferred for six months. After the 6-month period expires, you are responsible for making repayment arrangements with your financial institution.

Do I need to repay my student loan debt if I am experiencing financial difficulties?

Start by contacting your financial institution’s student loan centre, whose agents are in the best position to advise you on your options in the light of your financial difficulties.

A support measure does exist for people experiencing a precarious financial situation. Go to the Deferred Payment Plan page to learn about eligibility criteria and how to apply.

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