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Assistance for Students with Permanent Disabilities:

As a student with a permanent physical, mental or learning disability, you may be eligible to:

‚Äʬ†¬†¬†¬†¬†¬†¬† receive a¬† lifetime limit of¬† 520 weeks of Canada Student Loans financial assistance, rather than 340 weeks for students without a permanent disability.

‚Äʬ†¬†¬†¬†¬†¬†¬† be assessed as a full-time student for Canada Student Loans, while taking a a reduced course between a 40-60%.

‚Äʬ†¬†¬†¬†¬†¬†¬† receive up to $210 per full-time study week in federal loans, Interest accumulates from the month after you graduate or stop going to school, but you are not required to make payments until six months later.

‚Äʬ†¬†¬†¬†¬†¬†¬† be assessed as a part-time student for Canada Student Loans, while taking between 20-39% of a full time course load.

‚Äʬ†¬†¬†¬†¬†¬†¬† elect Canada Student Loans assessment as either a full-time or part-time student when you take between 40-59% of a full-time course load.

Canada Student Grants Programs

Students are assessed automatically for most  Canada Student Grants when they apply for a Canada Student Loan. Students may be eligible to receive more than one grant at the same time.

Canada Student Grants:

*       Canada Student Grant for Persons from Low-Income Families
http://www.canlearn.ca/eng/postsec/money/grants/glif.shtml

*       Canada Student Grant for Persons from Middle-Income Families
http://www.canlearn.ca/eng/postsec/money/grants/gmif.shtml

*       Canada Student Grant for Persons with Dependants
http://www.canlearn.ca/eng/postsec/money/grants/gptd.shtml

*       Canada Student Grant for Part-Time Students with Dependant
http://www.canlearn.ca/eng/postsec/money/grants/gptd.shtml

*       Canada Student Grant for Part-Time Studies
http://www.canlearn.ca/eng/postsec/money/grants/gpt.shtml

For more information on Canada Student Grants go to : http://www.canlearn.ca

As a student with a permanent mental, physical or learning disability in Canada, you may be eligible to receive two grants which are targeted to students with permanent disabilities.

Canada Student Grant for Students with Permanent Disabilities (CSG-PD)

You may receive $2,000 per school year to help cover the costs of accommodations, tuition and books if you have an assessed need.  This grant may exceed your accessed need. For example, if your accessed need is determined to be $1,200, you may still receive a non-repayable grant for $2,000.

There is no separate application for this grant. Your eligibility will be automatically assessed if you provide verification of permanent disability when applying for a full-time or a part ‚Äďtime Canada Student Loan. The permanent disability documentation should include an explanation of what your permanent disability is, how it restricts your participation in daily activities needed for postsecondary studies, and confirms that your disability is expected to remain for the rest of your life.

Your provincial Student Financial Aid can provide more information on what is needed for permanent disability assessment or visit www.canlearn.ca

Canada Student Grant for Services and Equipment for Students with Permanent Disabilities (CSG-PDSE)

You may receive up to $8,000 per school year to cover exceptional education-related equipment/services costs associated with your permanent disability.

How to apply for a Grant for Services and Equipment for Students with Permanent Disabilities:

*       Depending on the province, a separate application is needed or this grant.  (Some provinces include the grant on their loan applications.)

*       You must also provide written confirmation from a person qualified to make this confirmation, that you have exceptional education-related costs associated with your permanent disability.

*       You must always provide receipts for the exact cost of the recommended equipment or services by the end of your study year. (For example, by April 30 for September- April year).  The exceptional education-related equipment/services must be approved by the province/territory Student Financial Aid Ministry.

*       If you wish to receive funding before purchasing your equipment/service you must provide one written cost quote, along with your grant application.  

*       You may purchase the equipment in the pre-study period (for returning students: May-August, for students entering postsecondary studies: July-August).However, the equipment/service must be within funding guidelines, provide the written equipment/services recommendations from a qualified assessor and the receipts must be provided with the application to obtain reimbursement.

*       Note; Some services can only be funded during your actual study period  and not in the pre-study period,

Funds under this grant must be issued prior to the end of your study period. It is important to allow sufficient time for your grant application to be submitted, assessed and and approved before this date.

Your provincial student financial assistance office or postsecondary educations’ Disability Office can provide moredetails on how to apply for this grant and the eligibility requirements.  

Severe Permanent Disability Benefit (SPDB)

Students with a severe permanent disability may be eligible for the Severe Permanent Disability Benefit. If you have a severe permanent disability, you may have your loans immediately forgiven.  A severe permanent disability means that you have a functional limitation due to a  physical or mental impairment that prevents you from participating in postsecondary studies and the labour force, and is expected to remain with you for the rest of your life. And because of your severe permanent disability you are unable to pay, and will never be able to repay your loan.

It is important to note that if your loans are written off under the SPDB, you are permanently restricted from receiving any further financial assistance.

 For more information on the Severe Permanent Disability Benefit, or on what qualifies as a severe permanent disability visit: http://www.canlearn.ca/eng/after/cant/hpd.shtml. or contact the National Student Loans Services Centre.

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 permanent disabilities having difficulty paying back their student loans. The Plan makes it easier to manage your provincial student loan and Canada Student Loan debt by allowing you to pay back only what you can reasonably afford.

Under the Repayment Assistance Plan for Borrowers with a Permanent Disability

·           would make affordable student loan payments based on your gross family income, family size and permanent disability-related expenses, which include allowable uninsured medical expenses, special care and other expenses directly related to your permanent disability. Loan payments would not exceed 20 percent of your gross family income.

·           Your monthly student loan payments will either be reduced, or you will not have to make any payments.

·           You would have a maximum repayment period of 10 years.

·           Enrolment would not be automatic and you would have to re-apply for this plan every 6 months.

Eligibility

You qualify if:

·           you have a permanent disability;

·           you are residing in Canada, are on an international internship or are a reservist deployed abroad; and

·           at least six months have passed since you graduated or left school.

Note: If you miss a payment while on the Repayment Assistance Plan, you won’t be able to receive any other repayment assistance, Canada Student Loans or grants until you have brought your account back up-to-date.

Provincial and Territorial Student Financial Assistance Offices

 Please note that Nunavut, the Northwest Territories and the province of Quebec operate their own student assistance plans. If you are a resident of Nunavut, the Northwest Territories or Quebec, contact the provincial or territorial student assistance office for further information.

Student Aid Alberta

Student Aid Alberta Service Centre

Telephone:
    1-855-606-2096 (toll free in North America)
TTY:
    1-855-306-2240
Outside North America:
    800 2 529-9242 (plus International Access Code)
    Monday through Friday, 7:30 a.m. to 8:30 p.m., your local time

StudentAid BC

Ministry of Advanced Education, Innovation and Technology
    StudentAid BC
    PO Box 9173
    Stn Prov Govt
    Victoria, BC V8W 9H7

Toll Free:
    1-800-561-1818 (within Canada/US)
Telephone:
    1-250-387-6100 (Outside North America)
Facsimile:
    250-356-9455
    1-866-312-3322 (Toll-free in Canada)

Manitoba Student Aid

Manitoba Student Aid
    401 - 1181 Portage Avenue
    Winnipeg, MB
    R3G 0T3

Toll Free:
    1-800-204-1685 (within Canada/US)
Telephone:
    204-945-6321
TTY:
    204-945-8483 (within Manitoba)
    1-866-209-0696 (within Canada/US)
Facsimile:
    204-948-3421

Student Financial Services (New Brunswick)

Student Financial Services
    P.O. Box 6000
    KINGS PLACE
    Room: 420, Floor: 4
    Fredericton, NB E3B 5H1

Toll Free:
    1-800-667-5626
Telephone:
    506-453-2577 (Fredericton area)
Facsimile:
    506-444-4333

Student Financial Services (Newfoundland and Labrador)

Student Financial Services
    Department of Advanced Education & Skills
    P.O. Box 8700
    Coughlan College
    St. John's, NL A1B 4J6

Toll Free:
    1-888-657-0800
Telephone:
    709-729-5849
Facsimile:
    709-729-2298

NWT Student Financial Assistance Program

NWT Student Financial Assistance Program
    Government of the Northwest Territories
    P.O. Box 1320
    Yellowknife, NT X1A 2L9

Toll Free:
    1-800-661-0793
Telephone:
    867-873-7190
Facsimile:
    867-873-0336
    1-800-661-0893 (toll free)

Student Assistance Office (Nova Scotia)

Student Assistance Office
    P.O. Box 2290
    Halifax Central
    Halifax, NS B3J 3C8

Toll Free:
    1-800-565-8420 (within Canada)
Telephone:
    902-424-8420
TTY:
    902-424-2058
Facsimile:
    902-424-0540

Financial Assistance for Nunavut Students

Department of Family Services

Toll Free:
    1-877-860-0680 (can be used locally)

OSAP: Ontario Student Assistance Program

Student Financial Assistance Branch

Telephone
    807-343-7260 (For Ontario students attending a post-secondary institution outside Ontario)
TTY:
    1-800-465-3958

Students attending a post-secondary institution in Ontario must contact the financial aid office at their post-secondary institution for assistance.

Student Financial Services (Prince Edward Island)

Student Financial Services
    90 University Ave., Suite 212
    P.O. Box 2000
    Charlottetown, PE C1A 7N8

Telephone
    902-368-4640
Facsimile:
    902-368-6144

Aide financière aux études (AFE)

Aide financière aux études (AFE)
    Service des renseignements
    1035, rue De La Chevrotière
    Québec, QC
    G1R 5A5

Toll Free:
    1-877-643-3750 (within Canada/US)
Telephone:
    418-643-3750

Saskatchewan

Student Service Centre
    Ministry of Advanced Education
    1120 - 2010 12th Avenue 0
    Regina, SK S4P 0M3

Toll Free
    1-800-597-8278
Telephone
    306-787-5620 (Regina area and outside Canada)
Facsimile:
    306-787-1608

Student Financial Services (Yukon)

Student Financial Services
    Yukon Education
    Government of Yukon
    Box 2703
    Whitehorse, YT Y1A 2C6

Toll Free:
    1-800-661-0408 local 5929 (within Yukon)
Telephone:
    867-667-5929
Facsimile:
    867-667-8555

Permanent Disability Benefit

Students with severe permanent disabilities are eligible for the Permanent Disability Benefit. If you have a severe permanent disability, you may have your loans immediately forgiven. Note: Students in Ontario do not qualify for the Permanent Disability Benefit. For more information on the Permanent Disability Benefit, or on what qualifies as a severe permanent disability visit: http://www.canlearn.ca/eng/after/cant/hpd.shtml.