post-secondary
Loopholes Tagged "post-secondary"
Plain-English guides to Canadian legal rights and workarounds related to post-secondary.
Federal Student Loans Are Now Interest-Free — Repayment Assistance and RAP Explained
Since April 2023, federal Canada Student Loans carry 0% interest — and the Repayment Assistance Plan (RAP) caps your monthly payments at 20% of income, potentially resulting in $0 payments for low-income graduates.
Part-Time Canada Student Loans — Borrow Federally Even If You Are Not a Full-Time Student
Eligible part-time students can still access Canada Student Loans and related support, which can be much cheaper and more flexible than consumer borrowing.
Provincial Student Loan Forgiveness — Grants, Debt Reduction, and Profession-Specific Forgiveness Programs
Most provinces offer student loan grants, debt reduction after graduation, or profession-specific loan forgiveness programs — many graduates never apply because they don't know these provincial programs exist separately from federal assistance.
RESP Government Grants — Collect Up to $7,200 in Free Federal Money for Education
The federal government automatically adds 20% to RESP contributions — up to $500 per year per child in free grants, with a lifetime maximum of $7,200.