{"id":"u163","name":"Repayment Assistance Plan (student loans)","type":"program","typeLabel":"Program","what":"If you cannot afford your federal student loan payments, this plan can lower your payments or make them zero, based on your income. You apply every 6 months. Nobody stays in repayment more than 15 years (10 years for people with disabilities).","forWhom":"People repaying a federal student loan who live in Canada, are up to date on payments, and have low family income.","cost":"Free","tags":["student loan","repayment","low income","NSLSC"],"topics":["students","money","benefits"],"place":{"label":"Canada-wide","country":"Canada","cc":"CA","region":null,"city":null,"scope":"country"},"website":"https://www.canada.ca/en/services/benefits/education/student-aid/grants-loans/repay/assistance/rap.html","sources":["https://www.canada.ca/en/services/benefits/education/student-aid/grants-loans/repay/assistance/rap.html"],"checked":"2026-10-05","added":"2026-10-05","verified":"checked","checkEvery":90,"deadline":null,"deadlineNote":null,"status":"listed","routes":[{"kind":"Apply online","url":"https://www.canada.ca/en/employment-social-development/services/my-account/nslsc.html","value":null,"seen":"2026-10-05","source":"their own site"},{"kind":"Application form","url":"https://www.canada.ca/content/dam/canada/employment-social-development/migration/documents/assets/portfolio/docs/en/student_loans/forms/Repayment-Assistance-Plan-Application_EN.pdf","value":null,"seen":"2026-10-05","source":"their own site"}],"primaryRoute":{"kind":"Apply online","url":"https://www.canada.ca/en/employment-social-development/services/my-account/nslsc.html","value":null,"seen":"2026-10-05","source":"their own site"},"routeCount":2,"channels":[{"kind":"website","url":"https://www.canada.ca/en/services/benefits/education/student-aid/grants-loans/repay/assistance/rap.html","label":"Website","reach":null,"unit":null,"seen":"2026-10-05","source":"their own site"}],"spaceCount":1,"spacesSeen":"2026-10-05","phone":null,"contact":{"email":null,"url":"https://www.canada.ca/en/services/benefits/education/student-aid/grants-loans/repay/assistance/rap.html","route":"Apply online"},"qualify":["Live in Canada","Your loan is in repayment","Up to date on your payments","Single: income under $3,866 a month"],"needs":["Your NSLSC account or the paper form","Your family income details"],"steps":["Sign in to your National Student Loans Service Centre account.","Apply for the Repayment Assistance Plan online, or mail the paper form.","Reapply every 6 months if you still need help."],"languages":[],"welcomes":[],"reachNum":null,"reachUnit":null,"reachKind":"none","reachSource":null,"reachSeen":null,"intents":{"reach":false,"grow":null,"job":false,"volunteer":false,"specialist":null,"opps":false,"housing":false,"money":true,"info":false,"marriage":false},"page":"/o/repayment-assistance-plan-student-loans/","stale":false,"staleDays":0,"checkedNote":"Facts read from the source pages on 2026-10-05; spaces read from their site on 2026-10-05; re-checked every 90 days.","spaces":[{"kind":"website","label":"Website","url":"https://www.canada.ca/en/services/benefits/education/student-aid/grants-loans/repay/assistance/rap.html","reach":null,"unit":null,"seen":"2026-10-05","note":null}],"missing":["organization email (not published on their pages)","office phone (not published on the pages we read)","follower or subscriber counts (platform pages do not expose them to readers; ask the organization or check the platform)","what they welcome from outside parties (their pages do not say)","audience number for the organization as a whole (not public)"]}