Education
Education savings for Canadian households
Education spending after school still matters: certificates, language courses, and skills that change a paycheck. Check employer tuition support, public college options, and whether the credential is actually required before you pay list price.
Paying for university and college
Applying for fall 2027, scholarship deadlines, OSAP's new grant and loan mix, the Canada Student Grant and Ontario's tuition increase, as of 1 Oct 2026.
Applications
Applying for fall 2027
OUAC and Ontario Colleges fees, deadlines and a cost plan.
Scholarships
Scholarship calendar 2026-27
Loran, Schulich and entrance award deadlines, month by month.
OSAP
OSAP 2026-27 changes
The 25% grant cap, what stays federal and how to plan the loan.
Federal grants
Canada Student Grant 2026-27
Amounts, income thresholds and what ends in July 2027.
Tuition
Ontario tuition increase
The 2% cap, ancillary fees and a four-year tuition budget.
Housing, tax credits and repayment
Residence versus home versus renting, transferring the tuition credit, using your RRSP for school and repaying student loans, as of 1 Oct 2026.
Student housing
Residence, home or renting
Full eight-month costs compared, with 2026-27 residence fees.
Tuition credit
Transfer to a parent
Up to $5,000 of the federal amount via Schedule 11.
Lifelong Learning Plan
RRSP for school
Withdraw up to $20,000 for full-time study and repay over 10 years.
Student loan repayment
Grace period and RAP
Interest, the Repayment Assistance Plan and the tax credit.
Student aid by province and program
StudentAid BC, Alberta Student Aid and Quebec's AFE for 2026-27, federal grants for part-time students, students with disabilities and students with dependants, and how much you pay on the Repayment Assistance Plan, as of 1 Oct 2026.
Student aid
StudentAid BC 2026-27
Access Grant, loans and cut-offs.
Student aid
Alberta Student Aid 2026-27
Grants, loan limits and repayment.
Student aid
Quebec AFE loans and bursaries
Loan first, then bursary.
Student aid
Part-time student grant
Up to $2,520 for 2026-27.
Student aid
Grants for students with disabilities
$2,800 plus up to $20,000.
Student aid
Grants for students with dependants
$280 per dependant a month.
Student loans
RAP: how much you pay
Thresholds, formula and examples.
Student costs and adult learning
Opting out of or coordinating a student health and dental plan, cutting textbook costs with inclusive access and open textbooks, and free or reduced tuition for seniors, as of 1 Oct 2026.
Student costs
Health plan opt-out
Keep, coordinate or drop the student plan.
Student costs
Textbook costs
Inclusive access, open and used books.
Adult learning
Seniors' tuition
Waivers, limits and fees that remain.
Free and low-cost learning
Free online courses through your public library, including LinkedIn Learning, and how the Canada training credit can offset paid courses, as of 1 Oct 2026.
Tuition tax credits and deductions
How to claim the Canada training credit, the student loan interest credit now that federal loans are interest-free, student moving expenses, professional and licensing exam fees such as CPA, and what parents can claim for private school, as of 1 Oct 2026.
Adult learning
Canada training credit
Claim up to half your course fees.
Tuition and tax credits
Student loan interest credit
Line 31900 after interest-free federal loans.
Tuition and tax credits
Student moving expenses
Line 21900 for school, summer jobs and co-op.
Tuition and tax credits
Exam fees and the tuition credit
CPA, licensing and trade exams.
Paying for school
Private school tuition and tax
What parents can and cannot claim.
Retraining, EI and apprenticeships
Better Jobs Ontario funding after a layoff, keeping EI while you go back to school, and what an apprenticeship costs with the Canada Apprentice Loan, federal grants and tools supports, as of 1 Oct 2026.
Adult learning
Better Jobs Ontario
Retraining funding after a layoff.
Adult learning
EI and going back to school
Referred and non-referred training.
Adult learning
Apprenticeship costs
Apprentice loans, grants, EI and tools.
Paying without an RESP and meal plans
A plan for paying for university without enough RESP savings, and what 2026-27 residence meal plans cost at McMaster, Western and the University of Ottawa, as of 1 Oct 2026.
Paying for school
University without an RESP
Grants, loans, TFSA and cash flow.
Student living costs
University meal plans
2026-27 costs and what you get.
Borrowing, co-signing and family help
Student lines of credit versus government loans, what parents risk when they co-sign, and whether to gift or lend money to an adult child for school, as of 1 Oct 2026.
Paying for university and college
Student line of credit vs loan
Bank credit or government aid.
Paying for university and college
Co-signing a student loan
What parents risk.
Paying for university and college
Gift or loan to an adult child
Paying for university.
College, graduate school and returning students
College versus university costs, graduate tuition and funding packages, mature student admission and the cost of an exchange semester abroad, as of 1 Oct 2026.
Paying for university and college
College vs university cost
Tuition, fees and years.
Paying for university and college
Graduate school cost and funding
Packages and scholarships.
Student costs and adult learning
Mature student admission
Rules, bridging and costs.
Student costs and adult learning
Exchange semester costs
Tuition, OSAP and insurance.