Repayment Assistance Plan
The Repayment Assistance Plan (RAP) helps you manage your Canada-B.C. integrated student loan debt by letting you pay back what you can afford.
If you are having trouble making your monthly student loan payments, RAP can help. When you apply for RAP, we calculate an affordable monthly payment based on how much money you make and the size of your family. While on RAP you may qualify for reduced payments of no more than 10% of your income, or no payments at all.
Check the income thresholds to see if you are eligible for $0 payments.
If you are on RAP for a total of 60 months (cumulative) or you are approved for RAP 10 years after you finished school, the governments of B.C. and Canada will start to pay down the loan amounts that your affordable payment doesn’t cover.
Once the government has started to pay down your loan you cannot get any more student aid. You will need to pay your unpaid loans back before you can apply for more student aid.
Visit the National Student Loans Service Centre website or call 1-888-815-4514 for more information.
Am I eligible?
You may be eligible for RAP if:
- you live in Canada or
- are a reservist or spouse of a reservist deployed abroad, or
- are on an international internship for a year or less
- your loans are in repayment, and,
- you are up to date on your loan payments
If you have a permanent, or persistent or prolonged disability, you may be eligible for RAP for Borrowers with Disabilities.
How do I apply?
The National Student Loans Service Centre (NSLSC) manages RAP on behalf of British Columbia.
Where can I apply for RAP?
You can apply online through the NSLSC website.
When can I apply for RAP?
You can apply for RAP anytime while you are in repayment.
RAP is good for 6 months at a time. If you still need help, you can apply again every 6 months until your loan is paid off.
Visit the NSLSC website or call 1-888-815-4514 for more information.