The National Student Loans Service Centre is excited to announce the launch of our newly redesigned website with new features.
Elimination of Canada Student Loan Interest
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.
Enhancing the Repayment Assistance Plan
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.
New Brunswick Interest Elimination
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.
Persistent or Prolonged Disability
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.
New Canada-Manitoba Integrated Student Loans
The Government of Canada and Manitoba have integrated the administration of their student loan programs effective July 1st, 2022. For more details, please visit: Manitoba Student Aid.
Canada Student Loan Interest Suspension Update
Effective April 2021, the Government of Canada has suspended the accumulation of interest on Canada Student Loans until March 31, 2023.
Did you forget the answers to your security questions?
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.
What happens if I get the answers wrong?
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.
Who can use Interac verification service?
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).
How secure is Interac verification service?
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.
What if I don’t have an account with one of those six Canada’s major financial institutions covered by Interac verification service?
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.
Mandatory Registration for Multi-Factor Authentication
Since June 12, 2021, multi-factor authentication registration is mandatory for all GCKey and Sign-In Partners users.
What is multi-factor authentication?
Multi-factor authentication is a security feature to help prevent unauthorized access to your account.
How does the multi-factor authentication process work?
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:
- SMS text, and phone with voice message: You will need to provide a smartphone or a landline phone number. A security code will be sent to that number via SMS or voice message. You will then be required to enter the security code to confirm your identity. Once confirmed, you will have access to your NSLSC account.
- Time-Based One-Time Passcode (TOTP): If you are a GCKey user, you can register MFA through an authenticator application that generates a security code called “time-based one-time passcode” to log in to your NSLSC account. This code is good for a single sign-in session for a limited time.
You can download the application free of charge on your phone or tablet. You will then be prompted to scan a QR code through the authenticator application, or you can choose to manually enter the security code provided on the screen. Once validated, you will have access to your NSLSC account.
- Passcode Grid: If you are unable to use a telephone to receive a one-time passcode sent via SMS or automated message, you may use the Passcode Grid option.
The Passcode Grid is a table made up of numbered rows and lettered columns. You will be prompted to enter the correct values from cells that match the column-row combination from this table. You can save or print the grid. Make sure you keep it in a safe place until the next time you login.
After enrolling with MFA, you will have to enter a new security code each time you access your NSLSC account.
What should I do if I have been locked out of my 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.
Can I disable the multi-factor authentication feature?
A reset option is available if you:
- lost your device;
- got your device stolen; or
- changed your phone number.
For additional questions on multi-factor authentication, please contact the Registration and Authentication Help Desk at 1-866-279-5238.
Canada Student Financial Assistance Program (CSFA Program)
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.
Schedule a Personalized Payment Reminder
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.
New YouTube videos out now
Set yourself up for repayment success by learning more about your payment options, including the Repayment Assistance Plan (RAP). Visit us on YouTube .
Checking the status of your RAP application just got easier!
Curious about the status of your RAP application? Log in to your secure NSLSC account and check your application status from your Dashboard.
More ways to connect!
Looking to get in touch with us? Check out our redesigned Contact Us page for more ways to connect with us.
Avoid a Surprise! Calculate your Monthly Payment
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 Making it easier to Stay Connected
We’re bringing our Twitter feed to you! Our latest Tweets are now visible on the NSLSC homepage. Log in to Twitter to follow us, like, or comment.
The Learning Hub
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.
Updates to the Repayment Assistance Plan (RAP) Online Application
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 and subscribe to our YouTube channel so you don’t miss a beat when it comes to the latest updates and information.
New Videos Out Now!
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.
Have a question? We have answers!
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 Repayment Assistance Plan (RAP) Details All In One Place
Your new and improved Loan Details page includes a summary of RAP details for easy reference.
Loan Statement Update
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.
Customizing your Payment Terms just got easier!
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.
Behind on Payments?
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.
Do you have your mobile number on your profile?
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.
Medical and Parental Leave
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 Funding Details All in One Place
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!
Managing Your Money
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).
Customize Your Payment Terms Online
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.
Virtual Repayment Counsellor
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.
Make a Payment Online
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.
New Registration Process
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.
Electronic Master Student Financial Assistance Agreement (MSFAA) for Part-Time Students
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.