The National Student Loans Service Centre is excited to announce the launch of our newly redesigned website with new features.
Effective November 2023, the Government of Canada has increased the maximum amount forgivable by 50%. This means that eligible doctors can receive up to $60,000 and eligible nurses can receive up to $30,000 in loan forgiveness over a maximum of five years, on their Canada Student Loans. If you are a family doctor, resident in family medicine, nurse practitioner, or nurse working in under-served rural or remote communities, visit Canada.ca Opens a new window for more information and to download the application and Employment Attestation form.
Effective April 1st, 2023, the Government of Canada has permanently eliminated the accumulation of interest on all Canada Student Loans including loans currently being repaid. You continue to be responsible to pay any interest that may have accrued on your loan before April 1, 2023.
The governments of Canada, Manitoba, Newfoundland and Labrador, Saskatchewan, and New Brunswick have updated their Repayment Assistance Plan (RAP) eligibility with new zero payment income thresholds and the maximum payments have been lowered from 20% to 10% of a household income. The changes are effective in November 2022. To apply for RAP, log in to your secure NSLSC account.
Fulfilling the New Brunswick Government’s commitment to make post-secondary education more affordable, as of November 1st, 2022, interest on the NB portion of Canada-New Brunswick integrated student loans has been eliminated. This change benefits all current and future borrowers.
Effective August 1, 2022, the Government of Canada is expanding access to disability supports to students and borrowers with a persistent or prolonged disability. This will provide greater support to students and borrowers with a wider range of non-permanent disabilities through grants, in-study supports, and specialized repayment assistance. For more information and/or to see if you are eligible for persistent or prolonged disability benefits, visit Canada.ca.
For Manitoba Student Aid borrowers, this means that both the federal and provincial portion of your loan will now be administered by the National Student Loans Service Centre (NSLSC). For more details, please visit: Manitoba Student Aid.
Effective April 2021, the Government of Canada has suspended the accumulation of interest on Canada Student Loans until March 31, 2023.
Once you have signed in with GCKey or Sign-In Partner, if you do not remember the answers to the mandatory security questions, you can create a new user profile by clicking on the “Continue with Interac verification service” button. This will allow us to validate your identity against your financial institution information using Interac verification service.
You have three attempts. If you are unsuccessful, your account will be locked and you will be provided with a number to contact for assistance. To avoid being locked out, we recommend that you create a new profile using Interac verification service after your second attempt.
Interac verification service is available to returning registered users who cannot answer the mandatory security questions. Only those with an account with the following financial institutions will be able to use Interac verification service: BMO, CIBC, Desjardins, RBC, Scotiabank, and TD. You must consent that your financial institution will share basic personal information with Employment and Social Development Canada (ESDC).
Interac verification service is a digital identity verification service offered by Interac Corp. Interac verification service was developed in cooperation with six of Canada’s major financial institutions along with innovation partners. Interac verification service uses strong security protocols to protect personal information from being identified, accessed or misused. Interac verification service has no access to the credentials you use to log in to your financial institution. You’ll be asked to consent to every transaction. You’re always in control.
If you do not remember the answers to your security questions and do not have an account with one of the six financial institutions currently covered by Interac verification service, you will not be able to access your online account at this time. Please contact us to discuss the options available to you to manage your account.
Since June 12, 2021, multi-factor authentication registration is mandatory for all GCKey and Sign-In Partners users.
Multi-factor authentication is a security feature to help prevent unauthorized access to your account.
The multi-factor authentication (MFA) registration is mandatory for GCKey and Sign-in Partners users. To enroll, you must successfully respond to your existing security questions or use Interac verification service.
There are three MFA options users can choose from:
After enrolling with MFA, you will have to enter a new security code each time you access your NSLSC account.
If your account is locked due to entering the wrong multi-factor authentication security code or requesting it too many times, please contact the Registration and Authentication Help Desk at 1-866-279-5238. The hours of operation are from 8:30 a.m. to 4:30 p.m. local time, Monday to Friday, except civic holidays.
A reset option is available if you:
For additional questions on multi-factor authentication, please contact the Registration and Authentication Help Desk at 1-866-279-5238.
As announced in Budget 2021, the Canada Student Loans Program has changed its name to Canada Student Financial Assistance Program (CSFA Program). The Program was renamed to highlight the fact that the Government of Canada provides a range of student financial assistance supports beyond student loans. Please note this change will not impact your Canada Student Loan(s) and Grants, or related benefits.
One less thing for you to remember! Log in to your secure NSLSC account and update your Communication Preference to receive monthly reminders about your next payment amount and due date straight to your secure inbox.
Set yourself up for repayment success by learning more about your payment options, including the Repayment Assistance Plan (RAP). Visit us on YouTube .
Curious about the status of your RAP application? Log in to your secure NSLSC account and check your application status from your Dashboard.
Looking to get in touch with us? Check out our redesigned Contact Us page for more ways to connect with us.
If you have a full-time loan, you can prepare for repayment by calculating a monthly payment amount that fits your budget before your payments begin. Log in to your secure NSLSC.ca account and select Customize My Payment Terms from the My Account menu.
We’re bringing our Twitter feed (@NSLSC) to you! Our latest Tweets are now visible on the NSLSC homepage. Log in to Twitter to follow us, like, or comment.
Explore the Learning Hub for the latest tools and tips to help you successfully manage your student loan and keep your financial future on track.
We want to make things easier for you, so we’ve updated the online RAP application for a more seamless way to apply.
Follow us on Twitter and subscribe to our YouTube channel so you don’t miss a beat when it comes to the latest updates and information.
Whether you are just starting on your post-secondary journey, or transitioning to repayment, we are here to support you with helpful tips and tools to make you feel more confident about your financial future. Check us out on YouTube.
Use the Instant Answers function at the bottom of the page for general questions about your student loan(s). If we don’t have the answer you’re looking for, you can connect with a live agent. Our agents are available to chat with you in real time Monday to Friday, from 8:00am to 8:00pm your local time.
Your new and improved Loan Details page includes a summary of RAP details for easy reference.
Wondering how your payments are applied to your student loan(s)? If you have a federal and provincial portion on your student loan(s), you are now able to view how each payment and interest is applied!
If you are set up to receive communications by mail, log in to your secure NSLSC.ca account to update your communication preference to email today.
You can now customize the payment terms of your full-time student loan(s) online, even if you are behind on payments. If you want to see what other repayment terms may fit your budget better, you can now do this through your secure NSLSC.ca account.
If you need help making your loan payments, the updated Virtual Repayment Counsellor can advise full-time student loan borrowers with past due payments what repayment options are available to help bring their loan(s) back into good standing. Log in to your secure NSLSC.ca account and select this feature under the More Information section on your Dashboard.
Let us know whether the phone number(s) you have on your profile is your mobile number or home phone. Log in to your secure NSLSC.ca account and select My Profile in the My Account drop down menu to update. If you do not have your mobile number on your profile, make sure to add it so it’s easier for us to stay in touch!
We’re making it easier for you to connect with our agents! If you have any general questions about student loan(s) and can’t find the answers on the NSLSC website, send them to us through the new online chat channel. Our agents are available to chat with you in real time Monday to Friday, from 8:00am to 8:00pm your local time.
Effective October 1, 2020, the Government of Canada introduced a new Medical and Parental Leave for students taking temporary leave from their studies for medical or parental reasons, including mental health reasons. It offers interest and payment-free for six-month periods, up to a maximum of 18 consecutive months. For more information and/or to see if you are eligible for the Medical and Parental Leave, visit Canada.ca.
Your new and improved Dashboard now includes a summary of all your funding details for a quick view when you need it. Log in to your secure NSLSC.ca account to check out the new dashboard!
It is always the right time to start thinking about your finances. Visit our new Managing Your Money page for some tips to help you create or stick to a budget. This will help set you up for success when it comes time to repay your student loan(s).
Changing your student loan repayment terms has never been easier! If you have a full-time loan that is up-to-date, and you want to change your monthly payment amount or simply see what other repayment terms may fit your situation better, you can now do this through your NSLSC account. No more calling the NSLSC, no more paper forms, simply log in and update your repayment terms with a click of a button.
Entering Repayment? If you have a full-time loan, you have a Virtual Repayment Counsellor to advise what debt management benefits are available to you.
Making payments on your student loan is now easier than ever. Log in to make a payment using the banking information on your NSLSC account.
If you are a full-time student, you can now view the status of your funding request anytime with the new Funding Tracker available when you log in to your NSLSC account.
Making payments on your student loan can be quick and easy. You can now set up Pre-Authorized Debit when you log in to your NSLSC account to make your student loan payments virtually effortless.
In April 2018, the NSLSC launched a new registration and log in process using the Government of Canada’s authentication process for students who were required to complete a Master Student Financial Assistance Agreement (MSFAA).
This is now available to all NSLSC users and is required to access your online account going forward. The registration process includes setting up a new username and password with GCKey or using your financial institution log in with a Sign-In Partner. Start your registration now.
Both full-time and part-time students can now complete the process electronically.
You can now easily update your contact details and banking information online. Log in to explore the new and improved NSLSC website.
We hope you will find it easier to navigate and find what you are looking for quickly and efficiently.
