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Loans and Bursaries Program

Ministère de l’Éducation et de l’Enseignement supérieur

Applying for Financial Assistance under the Loans and Bursaries Program for Studies in Québec

Clientele
Anyone who pursues full-time studies, or who is deemed to be a full-time student, at the secondary level (vocational training), college level, or university level, in a recognized educational institution in Québec.

General Requirements
To be eligible for the program, you must:
  • be a Canadian citizen or have permanent resident, refugee or protected person status
  • reside in Québec or be deemed a Québec resident when you present your application for financial assistance
  • not have sufficient financial resources to pursue your studies
  • not have exceeded the maximum number of months of study for which financial assistance may be granted
  • not have reached the maximum debt level for your education level or study program

 

Requirements in Order to be Deemed a Full-Time Student
To be deemed a full-time student, you must be enrolled for at least 20 hours of instruction per month and be in one of the following situations:

 

  • at least 20 weeks pregnant
  • head of a single-parent family and living with your child who will be at least 12 years old on September 30 of the award year
  • living with a child (your own or that of your spouse) who will be less than 6 years old on September 30 of the award year
  • living with a child (your own or that of your spouse) who has a major functional disability or a mental illness
  • have a recognized major functional disability (visual, auditory, motor or organic)
  • unable to study full time, for more than 1 month, due to a serious episodic disorder caused by a major and permanent mental or physical health condition (a medical certificate will be required)
  • participating in the Réussir program of the Ministère du Travail, de l’Emploi et de la Solidarité sociale
If your spouse is also a student, only one of you may be deemed a full-time student in the same award year.

The following amounts are in force from September 1, 2017 to August 31, 2018.

Loan
The amount awarded for an award year is calculated by using the following basic formula: number of months of study X the amount determined by education level and type of program.

For the secondary level (vocational training), the amounts are as follows:

Type of program Amount
Subsidized (public institution) $204/month of study
Subsidized (private institution) $204/month of study
+ fees charged by the educational institution
Unsubsidized $204/month of study
+ fees charged by the educational institution
For the college level, the amounts are as follows:
Type of program Amount
Subsidized (public institution) $224/month of study
Subsidized (private institution) $224/month of study
+ fees charged by the educational institution
Unsubsidized (private institution) $970/month of study
Unsubsidized program (private institution that receives a subsidy from the Ministère de la Culture et des Communications) $321/month of study
+ fees charged by the educational institution
For the university level, the amounts are as follows:
Type of program Amount
Bachelor $311/month of study
Master, Doctorate $413/month of study
Holder of a Bachelor’s degree $413/month of study
Programs recognized for the awarding of loans only $970/month of study

The amount of the loan also takes into account:

  • your own income and, if applicable, the financial contribution of your parents, spouse or sponsor
  • the one-time and monthly expenses deemed necessary for you to pursue your studies

An allowance for training support materials may be added to the amount of the loan.

Bursary
The amount of the bursary for an award year will correspond to the difference between your estimated financial needs and the amount of the loan, up to the following amounts:

Education level Maximum
Secondary (vocational training) $14,611
College $14,611
University $17,632
Dependent children Maximum additional amount
1 child $3,937
2 children $4,953
3 or more children $6,034
Payment Methods
The financial assistance (including bursary, if any) is initially paid as a loan, by direct deposit, at the beginning of each study period in the award year.

If a bursary has been awarded, at the end of the award year Aide financière aux études verifies your income with Revenu Québec. It then converts the loan into a bursary, and repays your financial institution for the portion of the assistance paid that corresponds to the amount of the bursary.

Note
Amounts granted may, at any time and without prior notice, be revised upwards or downwards after a change in situation, an update of your academic information, a confirmation of financial resources or a verification of income. When a new calculation is made, you will receive an email inviting you to consult your file online.

You can apply for financial assistance under the Loans and Bursaries Program either online or in writing.

Applying Online
Proceed as follows within the period prescribed:
  1. Log in using the online service Online Access to Your File!, then fill out and submit the form Application for Financial Assistance – Loans and Bursaries Program as well as, if applicable, Schedule A – Student’s Dependent Children.
  2. Upload a digital version of all required documents;
  3. If a financial contribution is required from someone else, such as your mother, father, sponsor or spouse (if so, a notice will appear onscreen after you submit your application), ask them to also use the online service to complete the declaration form that applies to them.

Note that in order to apply online you must have a student Permanent Code and a Social Insurance Number. If you do not have one, for example if you have never studied in Québec, you will have to make your first application by mail. You will then be able to use the online service for subsequent applications.

Applying in Writing
Proceed as follows within the period prescribed:

  1. Fill out the form Application for Financial Assistance – Loans and Bursaries Program.
  2. If applicable, fill out Schedule A – Student’s Dependent Children.
  3. Have the appropriate person fill out the form Declaration of Mother or Sponsor, Declaration of Father or Sponsor, or Declaration of Spouse.
  4. Attach the documents required.
  5. Submit by mail to Aide financière aux études at the Ministère de l’Éducation et de l’Enseignement supérieur.

Depending on your situation, other forms or documents may be required later.

Tracking Your Application
You can follow the progress of your application by using either:

  • the interactive telephone service of Aide financière aux études, or
  • the online service Online Access to Your File!

Guarantee Certificate 
If this is your first application under the program, a few days before the start of your study period you will receive an email from Aide financière aux études, notifying you that your Guarantee Certificate is waiting online. You must then access your account through the online service Online Access to Your File!, print out the certificate and send it to your financial institution.

Confirmation of Financial Resources
In September and January, you must confirm the financial resources you declared on your application, or adjust them if your estimate was inaccurate. Each time this needs to be done, you will receive an email from Aide financière aux études, inviting you to confirm your financial resources and explaining how to proceed using the online service Online Access to Your File!

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