Repayment Assistance Plan for Borrowers with Disabilities

• Repayment Assistance Plan application form
• Disability-related expenses form
• Verification of disability form, if requested

Who is eligible?

• Borrowers with a disability

Eligible expenses

• Disability-related expenses that are not covered by an insurance plan or by a private or publicly funded program
• Essential medical, dental, hearing, optical, chiropractic, registered massage therapy, and psychological or psychiatric care directly related to a permanent, persistent, or prolonged disability
• Learning disability expenses, readers, assistive devices, and related technology
• Home or automobile modifications required to accommodate a permanent, persistent, or prolonged disability

Ineligible Costs and Activities

• Expenses covered by an insurance plan or a private or publicly funded program
• Home or automobile modifications that are cosmetic or regular maintenance
• Credit card debt, student lines of credit, monthly utility costs, commuting costs, and childcare may not qualify as exceptional expenses

Eligible geographic areas

• Canada
• Prince Edward Island borrowers must also apply through their province

• Download, complete and mail the Repayment Assistance Plan application.
• Download, complete and mail the Disability Related Expense Form if you want disability-related expenses considered.
• Provide the Verification of Disability Form if asked.

• Applications are reviewed after submission through the NSLSC online system or by mail.
• If approved, the repayment assistance measures are applied for a 6-month period.
• You must reapply every 6 months to remain on the plan.
• If your disability is not permanent, you may need to confirm its status.

• RAP-D is available for 6 months at a time.
• You must reapply every 6 months to stay on the plan.
• If your disability is not permanent, you may need to confirm its status.
• Borrowers with Prince Edward Island loans must also apply through their province.