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To apply for repayment assistance Select the type of debt you are having trouble paying from the list below to learn about relief options that may be available. If you qualify, you have to reapply every 6 months to continue on the plan
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Students with loans from prince edward island must also apply for repayment assistance with their province Making a full or partial payment toward your debt will reduce the amount of interest that may be added, and doesn't prevent you from asking for relief Contact your provincial or territorial student aid office to find out more.
Learn when and how to pay back your osap debt and see if you qualify for help repaying your loan
You need to repay your osap if You may need to start paying back your osap loan six months after your study period ends. Use the repayment assistance estimator to see if you could be eligible for repayment assistance There are two ways you can apply for the repayment assistance plan
You can apply for repayment assistance as soon as you start to repay your student loans and anytime while in repayment You may qualify for repayment assistance if If your family income is less than a certain amount per month, you may not need to make payments on your student loans for a period of 6 months If you earn more than the income thresholds shown below, you may still qualify for reduced monthly payments.
What is the repayment assistance plan
The repayment assistance plan (rap) provides help to borrowers having difficulty repaying their government student loans If their rap application is approved, either no payment is required, or the borrower qualifies for a reduced payment for six months. Under the repayment assistance plan, borrowers may qualify for a reduced monthly payment or no monthly payment for up to six months at a time, and no borrower will have a repayment period of more than 15 years (or 10 years for borrowers with disabilities). Whether you missed a loan payment or not, you can
If you are approved for the repayment assistance plan (rap), your loan payment terms will be altered during your approved period of rap in accordance with the applicable federal and provincial rap programs.
