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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. RAP-PD makes it easier for you to manage your student loan debt by reducing your monthly payment.

Under the Repayment Assistance Plan for Borrowers with a Permanent Disability:

Your monthly student loan payments would either be reduced or you would not have to make any payments, depending on your financial situation and permanent disability-related expenses, which include allowable uninsured medical expenses, special care and other expenses directly related to your permanent disability.
Enrolment would not be automatic and you would have to re-apply for this plan every six months.


You qualify for RAP-PD if:
you have a permanent disability that has been assessed and recognized by the Canada Student Loans Program; and
you are eligible for the Repayment Assistance Plan.


To apply:
complete an online application through your NSLSC Online Services account (you can register for an online account first if you do not have one already); or
download a RAP application and mail it to the NSLSC.


If you would like your disability-related expenses or exceptional expenses to be considered, you can complete and submit a RAP-PD Expense Form with your application.


If your loans were issued to you by Prince Edward Island or Manitoba, you have to apply directly to your province for repayment assistance for your provincial loan. Contact your provincial student financial assistance office to find out more.