Repayment Assistance Plan for Borrowers with Disabilities
The Repayment Assistance Plan for Borrowers with Disabilities (RAP-D) is available support to eligible borrowers in managing the repayment of your Canada Student Loan and B.C. Student Loan debt by reducing your monthly required payment and allowing you to pay back what you can reasonably afford. The RAP-D adjudication process also considers the additional living costs faced by people with disabilities.
Am I eligible?
The Canada RAP-D and BC RAP-D have the same eligibility requirements. Eligibility criteria for RAP-D is like RAP with the exception that those applying for RAP-D must have a verified Permanent Disability or, effective August 1, 2022 a verified Persistent or Prolonged Disability.
How do I apply?
You can apply for both Canada RAP-D and BC RAP-D on one application form. For information on how to apply, visit the National Student Loans Service Centre website or call 1-888-815-4514.
About the program
BC RAP-D is available to British Columbian student loan borrowers who have a Canada-B.C. Integrated Student Loan (see Notes 1 and 3) and have a Permanent Disability, or a Persistent or Prolonged Disability.
BC RAP-D is administered by the Government of Canada and the National Student Loans Service Centre ("NSLSC"), on behalf of and under the direction of the Government of British Columbia.
The terms of the BC RAP-D are the same as the terms of the Canada Repayment Assistance Plan-Disability ("Canada RAP-D").
Borrowers who apply for RAP-D must have previously established a disability and their disability must have been verified. Disability is verified by meeting the definition for either “Permanent Disability,” or “Persistent or Prolonged Disability” as defined in the Canada Student Financial Assistance Regulations (CSFAR) effective on August 1, 2022.
The CSFAR defines Permanent Disability as “any impairment, including a physical, mental, intellectual, cognitive, learning, communication or sensory impairment - or a functional limitation - that restricts the ability of a person to perform the daily activities necessary to pursue studies at a post-secondary school level or to participate in the labour force and that is expected to remain with the person for the person’s expected life.”
The CSFAR defines a Persistent or Prolonged Disability as “any impairment, including a physical, mental, intellectual, cognitive, learning, communication or sensory impairment - or a functional limitation - that restricts the ability of a person to perform the daily activities necessary to pursue studies at a post-secondary school level or to participate in the labour force and has lasted, or is expected to last, for a period of at least 12 months but is not expected to remain with the person for the person’s expected life.”
The terms of the Canada RAP-D are described in the applicable provisions of the Canada Student Financial Assistance Act, as amended (the "Federal Act") and the Canada Student Financial Student Assistance Regulations, as amended (the "Federal Regulations") (see Note 2).
- If you received your B.C. student loan on or after August 1, 2000 - whether you have a Canada student loan or do not - your loan is considered an integrated loan. If you received your B.C. student loan before August 1, 2000, you must contact your financial institution for information on any repayment assistance that may be available through your financial institution.
- The terms of the Canada RAP-D include Part V of the Federal Regulations (for matters such as eligibility for repayment assistance, calculation of the affordable payment, reconsideration of a borrower's application) and section 17.1 of the Federal Act and section 15(4) of the Federal Regulations (for denial and termination of repayment assistance). For more information on the Canada RAP terms, please visit the Justice Laws website.
- BC RAP-D is subject to applicable B.C. laws.
Where to get an application
Borrowers can obtain a joint Canada/BC RAP-D application form online.
When to submit applications
RAP-D is approved for six-month periods. A borrower must apply for each period by applying either online or by mail.
- Borrowers who received their funding directly from the Government of B.C. and Government of Canada can apply online if they have an NSLSC account (eRAP) or by calling the NSLSC to request an application form.
- Borrowers who received their funding via a Financial Institution in Canada can get a paper application online from the Financial Institution holding their loan.
For more information about how to apply for RAP, please visit the Repayment Assistance Plan website or phone the National Student Loans Service Centre at 1-888-815-4514.
To continue to receive repayment assistance borrowers must reapply for BC RAP-D once every 6 months until they are no longer eligible, or their loan is paid in full.