Bring your Canada Student Loan out of collection

If you missed payments on your Canada Student Loan for 270 days or more (nine months), your loan is considered to be in default and is sent to the Canada Revenue Agency (CRA) for collection. By not making your payments, your credit rating is negatively impacted. Canada Student Loan rehabilitation is an opportunity to have your loan returned to the National Student Loans Service Centre (NSLSC). To find out if your loan can be rehabilitated, contact the NSLSC.

Note: If you have a judgment or legal action on your account, you may not be eligible for Canada Student Loan rehabilitation. Contact the NSLSC and ask to speak with a Canada Student Loans Program (CSLP) client relations officer to discuss your situation.

For the provincial portion of your student loan, contact the loan provider in your province of permanent residence for more information.

Rehabilitate your Canada Student Loan

If you are eligible for Canada Student Loan rehabilitation, you must contact the NSLSC to:

  • arrange a repayment schedule with the CRA;
  • repay all interest owed on your Canada Student Loan; and
  • make the equivalent of two monthly payments on the loan (the agreed monthly payment that is set out in your repayment schedule with CRA). CRA may also allow you to make a lump sum payment combining the two monthly payments and the interest owed.

Once you have completed your payments, contact the NSLSC and ask to speak with a CSLP client relations officer to inform them that you have fulfilled the requirements to rehabilitate your loan.

Contact NSLSC

If you have not received a decision letter from the CSLP within 20 business days, call the NSLSC and ask to speak with a CSLP client relations officer about your loan rehabilitation.

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