Government Student Aid and Loans

Awards and Financial Aid

This page has complete program information from applying to repayment. To skip directly to any of the sections listed below, just click on the name.

General Information

The Government of Canada works in partnership with most provinces and territories to deliver student financial assistance programs. The exceptions are Quebec, the Northwest Territories and Nunavut which operate their own student financial assistance programs. To qualify, you must be a Canadian citizen, permanent resident, or protected person.

Here's how it works:

NOTE: The assessment example above pertains to the Manitoba Student Aid Program. Other provincial assessments may vary.

Canada Study Grants and Bursaries
When you qualify for a Canada Student Loan, you are automatically assessed for Grants and Bursaries that you may be eligible to receive such as:

  • Canada Student Grant for Students from Low-income Families
  • Canada Student Grant for Students from Middle-income Families
  • Canada Student Grant for Students with Dependents
  • Canada Student Grant for Services and Equipment for Persons with Permanent Disabilities
  • Canada Student Grant for Persons with Permanent Disabilities.

These grants do not have to be paid back*, and are normally the first portion of funding students will receive in their financial aid packages, before any loans are awarded. 
*as long as you maintain your full or part-time status for which you received the grants.

For more information, drop by the Awards and Financial Aid office to speak with a staff member. Drop-ins hours are Monday-Friday, 8:30-2 p.m. Or you can email for an appointment.

Application Process and Course Load Requirements

The main difference between part-time and full-time government student aid funding is that the part-time student aid program is federal funds only. However, in both instances you are not required to make monthly payments and interest does not accumulate on your loans while you are attending school.

Deadine to apply: Generally you must apply through your home province at least two months prior to your program end date. However, it is recommended you apply at least one month before your program begins.

Application Instructions for Full-time Students:
If you are a resident of Manitoba, you can apply online.

To be a resident of Manitoba, you must have lived in the province for at least 12 months. If you are a permanent resident (landed immigrant) or protected person, Manitoba must be your first province of residency. If you are not a resident of Manitoba, you will have to apply through the province you last lived in for 12 months, or first resided in for recent immigrants. For a complete list, see Provincial and Territorial Student Financial Assistance Offices.

Application Instructions for Part-time Students:
You will have to apply by paper application, available here: Part-time Loan and Grant Application [PDF]. Sections A-D of the form need to be completed by yourself, then brought to the Awards and Financial Aid office during Drop-in hours for completion of section E. The form is then submitted to the appropriate Provincial Student Aid branch for assessment.  TIP: If you are unsure how to complete certain portions of sections A-D, leave them blank and ask the Awards and Financial Aid staff member signing your forms for clarification.

NOTE: Students from Alberta, British Columbia or Ontario need to complete a provincial part-time application form.

Program of Study
When you apply, you are asked to provide or select the program of study you are pursuing. Please note that for Undergraduate degree programs, your major is not your program of study. You should be selecting or listing the appropriate Faculty and Degree Program your major is associated with. For example, if you are pursuing a 4-year Chemistry major, your program of study = "Science (Major)".
General = 3-Year Degree
Major = 4-Year Degree
Honours = 4-Year Honours Degree.

Course Load Requirements
For most provinces, the minimum course load for which you must register to be eligible for full-time government student aid is 60% of the maximum course load required for your study period:

  • Fall or Winter term only - 9 credit hours (60%)
  • Fall/Winter session - 18 credit hours (60%), but you must have 9 credit hours minimum in each term.
  • Spring session (6-8 weeks long) - 6 credit hours (80%)
  • Spring/Summer session (9 weeks or longer) - 9 credit hours (60%)
  1. Students negotiating Newfoundland Student Aid must have an 80% course load for full-time status.
  2. Students with a Permanent Disability can be approved for full-time student aid with a 40% minimum course load (12 credit hours over the Fall/Winter session). The Accessibility Office can help you submit the required paperwork to be approved for full-time studies at a reduced course load.

NOTE: You must maintain the appropriate minimum course load for your study period in order to retain your student assistance eligibility. If you apply for full-time funding and subsequently reduce to part-time studies, you should submit a part-time application before the term is half over.

  • Calculate your course load for the Fall/Winter session by dividing your registered course load by 30. Example: 21 credit hours/30 = 0.7  (70%)
  • Calculate your course load for a single term (Fall, Winter, Spring/Summer) by dividing your registered course load by 15. Example: 12 credit hours/15 = 0.8  (80%)

IMPORTANT: Wait-list courses are not reported when our office confirms your enrollment. If you are a full-time student, be sure you are registered in the minimum number of credit hours outlined above in order to have your government student aid funding released.

Registration at Another Post-Secondary Institution

If, in addition to The University of Winnipeg courses, you are registered and taking courses elsewhere during the academic year for credit towards your UW degree on Letter of Permission, you must present proof of registration to the Awards & Financial Aid Office before your student assistance document can be authorized and released to you.

Proof of registration must include the institution name, the academic year/term, the course name, the credit hours, and the cost. It can be dropped off in-person (1C22 - 1st Floor, Centennial Hall), faxed: 779-0961, or emailed to:

TIP: If you applied for Government Student Aid and were denied or approved for insufficient funding, the staff in Awards & Financial Aid may be able to help you make an appeal for additional assistance. No appointment is needed. Just bring your Notice of Assistance with you to the Awards & Financial Aid Office, Room 1C22 - 1st Floor Centennial Hall. Drop-in hours are 8:30 a.m. - 2 p.m., Monday-Friday. If you need or would like to make an appointment, email

Need Help Applying?  The Manitoba Student Aid office is open 8:30-4:30, Monday to Friday. They have computer stations and front-desk staff available to assist you, and are located on the 4th Floor, 1181 Portage Avenue in Winnipeg.

Release of Funding

Full-Time Manitoba Student Aid Recipients

Once you have been assessed and approved for funding and have submitted all the required documents sent with your Notice of Assistance, your first disbursement will automatically pay the tuition owing at the start of term. Any remaining funds will be deposited in your bank account. 

If you applied for funding as of August 15, 2014 for the upcoming 2014-15 Fall/Winter session, you will automatically be given one month for your tuition payment to be received. See the Tuition Fee Deferral webpage for more information. 

The Master Student Financial Assistance Agreement for Canada should submitted through the Info. Booth on campus. You must present government issued photo ID (driver's license, passport, permanent residency or citizenship card) and your SIN (Social Insurance Number) card, or an official Government of Canada document that indicates your SIN.

The Master Manitoba Student Loan Agreement (and any other documentation requiring submission such as the Declaration, Pre-Authorized Debit, and Confirmation of Income forms) can also be mailed to Manitoba Student Aid through the Info. Booth, or dropped off directly. Manitoba Student Aid, Room 401 - 1181 Portage Ave., Winnipeg, MB R3G 0T3.

TIP: You can check the status of your student aid application, find out what documentation is still outstanding, update your address information and much more on-line! Go to MySAO to log into your existing account.

Out-of-Province Student Aid Recipients

Once your applicaiton is assessed and approved, you will most likely be required to submit a Program Information and/or Confirmation of Enrollment form(s) to the Awards and Financial Aid office for completion. If these forms are brought in by August 15, 2014, you will automatically be given one month for your tuition payment to be received. See the Tuition Fee Deferral webpage for more information.

Be sure to submit your required documentation by August 15, 2014 as well in order to receive your funding shortly before or right after the start of classes. Your Confirmation of Enrollment or Funding Release documents will either be mailed direct to you or to the Awards & Financial Aid office. You will be notified by the Provincial office in your Notice of Assistance when and how you will receive the funding and documents.

When the Awards and Financial Aid office signs your funding document, if able, we will indicate the fees you owe to The University of Winnipeg. The tuition fee payment portion wil be transferred directly to the University and the remaining funds will be deposited in your bank account. Instructions on these processes will be included in your student aid document package. Please follow them carefully.

NOTE: The NSLSC Kiosk on campus to send in your documents is the UWSA Info Booth, 1st Floor-Centennial Hall.

Part-time Student Aid Recipients

Once your application is assessed and approved, you will receive a Notice of Assistance as well as Certificate(s) of Eligilblilty. The Certificate(s) of Eligiblity will need to be singed by Awards & Financial Aid staff before they can be submitted to the National Student Loan Service Centre.

When the Awards and Financial Aid office signs your Certificate of Eligibility document(s), we will indicate the fees you owe to The University of Winnipeg. The National Student Loan Centre transfer the tuition fee payment directly to the University and deposit any additional funds in your bank account. Instructions on these processes will be included in your student aid document package. Please follow them carefully.

If you applied by August 15, 2014, you will automatically be given one month for your tuition payment to be received. See the Tuition Fee Deferral webpage for more information.

NOTE: The NSLSC Kiosk on campus to send in your documents is the UWSA Info Booth, 1st Floor-Centennial Hall.

TIP: If you are out of funds before your next disbursement of Government Student Aid occurs, you can arrange for bridge financing from the University in the form of an emergency loan. Please call 204-786-9984 for an appointment.

Refunds due to Award and/or Government Student Aid overpayment

For students with an account credit due to award(s) and/or government student aid overpayments, our office authorizes refunds at the end of each term only and cheques are mailed (December, April, August). Students receiving award and/or government student aid refunds will be notified by Webmail shortly before the cheques are mailed.

Please note if the credit is a result of dropping courses, only a portion or none of the credit may go back to the student. Money may be refunded back to the award fund and/or government student aid branch. Students will be notified if this occurs by Webmail at end of term.

All other refund request inquiries should be referred to Student Central.

Tuition Fee Deferral

Tuition fees for registered courses are due by the start date of every term. For a list of fee payment deadline dates, visit Important Dates & Deadlines. If you are relying on your Government Student Aid or external awards to pay your tuition fees, please read the important information below.

Those who have applied for any form of Government Student Aid by December 1, 2014 will automatically have their tuition fees deferred for one month (until February 6). You will receive webmail notification stating this. No action is needed.

If you apply for Government Student Aid after December 1, 2014 we cannot guarantee that you will be placed on the Tuition Fee Deferral list and you may be subject to late fees. If you do not receive webmail notificaiton that you have been placed on the Tuition Fee Deferral List by February 6, it is recommended that you make a payment arrangement with Student Central to avoid registration cancellation. Payment arrangements can be made on or after Monday January 12, and you should bring your Government Student Aid funding notification with you.

Questions or concerns can be addressed to

What Is Tuition Fee Deferral?

You have been given a one month grace period so that while we wait for your tuition payment to arrive:

a. Your registration is not cancelled, and

b. You are not charged late payment fees.


  • If your first disbursement does not cover your required January 6 fee payment in full, you will have to pay the remainder on your own by February 6 to avoid late fees.
  • If you withdraw from University courses, you will be responsible for the fees you owe until your actual date of withdrawal, regardless of Tuition Fee Deferral.
  • If your tuition payment is not received by the end of the one month grace period, you will have to make financial arrangements in-person at Student Central to ensure your registration is not cancelled. Bring your government student aid or external award documents with you to show proof of pending payment(s). Late fees may apply.

Maintaining Interest-free and/or Non-Repayment Status

If you are a student who has had past Government Student Loans and are currently a student but do not have a student loan this year, you can fill out a Schedule 2 document(s) to remain in non-payment and/or interest-free status. Please refer to your provincial government student aid branch and/or come to the Awards & Financial Aid office, Room 1C22 - 1st Floor Centennial Hall, where staff can provide you with the necessary form(s) and instructions. 

The chart below will help you identify if the completion of a Schedule 2 will have you remain or re-enter interest free and/or non-repayment status.


  • These results may not be applicable if you are on probation or default status with your Government Student Aid branch(es).
  •  If you are in repayment or will be entering repayment and cannot afford to make your monthly payments, check out the Repayment Assistance Program (RAP) information below. 

Repaying Your Student Loan(s)

Are you graduating or leaving school? Then it's time to take charge of your finances!

Your government student loan(s) may come from the federal government and or your provincial/territorial government. This means you could have more than one loan to pay back. The current interest rates on loans are as follows:

  • Canada Student Loan (federal) is prime + 2.5%
  • Manitoba Student Loan (provincial) is prime + 0%
The National Student Loan Service Centre (NSLSC) will send your Consolidation Agreement by mail before you are required to start making payments. The Agreement sets the terms for the repayment of your Canada Student Loan; this is the federal portion of your loan. You'll have to make a number of decisions, including the type of interest rate and how long you'll take to repay your loan. Depending on your situation, you might also receive another Consolidation Agreement by mail for your provincial or territorial student loan.

You don't have to make any payments on your student loan(s) for the first six months after you leave school; however, interest will be added to your Canada Student Loan during these six months.

Helping You Repay Your Loan

Missing payments can have serious and long-term consequences. Contact the NSLSC before you miss a payment. The federal government can provide you with a number of options, such as the Repayment Assistance Plan (RAP). For more information on RAP, visit or use the Repayment Assistance Estimator to see if you qualify.

Stay connected!

Sign up for an online NSLSC account on and ensure that the NSLSC has your up-to-date contact information.

For information on your student loan(s), contact the NSLSC at 1-888-815-4514 (TTY 1-888-815-4556).

For information on your provincial student loan(s), contact your provincial student financial aid office. For a complete list, see Provincial and Territorial Student Financial Assistance Offices.