You are eligible for student financial assistance if:
To receive a provincial student loan, you must be taking at least 80% of a full course load. (Your educational institution will determine the percentage of a full course load that you are taking.) This requirement may be reduced to 60% of a full course load upon submission of a Reduced Course Load Request Form for the following students:
1. A single parent who has a child (or children) under 12 years of age and who:
2. A student who has:
To receive a federal student loan for full-time studies, you must be taking at least 60% of a full course load. For part-time studies, you must be taking 20–59% of a full course load.
A student with a permanent disability may receive assistance (federal and provincial) for full-time studies if enrolled in 40–59% of a full course load. Students with a permanent disability may receive assistance for part-time studies if taking 20–39% of a full course load.
A permanent disability is a functional limitation caused by a physical or mental impairment that restricts ability to perform the daily activities necessary to participate full-time in post-secondary studies or the labour force and that is expected to remain with the individual for the rest of her or his life.
Residency is established when you have lived in a province or territory for 12 consecutive months while not enrolled in full-time studies. To be eligible for student financial assistance from the Government of Newfoundland and Labrador, your most recent residence (and, if applicable, your parents’ or spouse’s residence) must be in Newfoundland and Labrador.
You are considered to be a permanent resident of Newfoundland and Labrador if:
To maintain eligibility for the Canada Student Loans Program, you must successfully complete at least 60% of a full course load during each period of study for which you receive financial assistance for full-time studies. To remain eligible for part-time assistance, you must successfully complete all courses for which funding was issued. For the Newfoundland and Labrador Student Loans Program, you must complete at least 80% of a full course load. Students with permanent disabilities must successfully complete at least 40% of a full course load.
The first time you do not meet the required course load, you will be placed on probation. This means you can continue to receive additional assistance on a semester-by-semester basis, provided you submit confirmation that you have successfully completed each period of study.
If you do not meet this academic performance requirement for a second time, your eligibility for financial assistance will be suspended for 12 months.
A third time will result in a loss of eligibility for at least 36 months.
Note: Withdrawal from full-time studies and dropping below the required course load is deemed unsuccessful.
While there may be some flexibility in the application of probationary and restriction periods, depending on individual circumstances, students are encouraged to maintain a satisfactory scholastic standing throughout their borrowing years.
You may be eligible for assistance beyond your initial program provided you can demonstrate that the subsequent program(s) represents academic progression, has good labour-market prospects and will not result in the accumulation of an unmanageable level of debt. You will be required to submit a rationale to support your decision.
In the event you switch programs, your eligibility for assistance may be affected. If you switch programs after the end of the fourth semester or after the midpoint of your program, you will be required to provide a rationale to support your decision before additional assistance is considered.
Generally, if you are attending university, you must be formally registered in a faculty to continue receiving financial assistance beyond the fourth semester.
It is possible to receive financial assistance during a mandatory work term, provided the educational institution you attend considers you to be enrolled in full-time studies and you demonstrate financial need through the needs assessment process. To determine your assessed need, you must include on your application a reasonable estimate of your gross weekly income during your work term.
If you are deemed eligible to receive financial assistance in addition to your work term income, confirmation from your employer of your actual income will be required prior to the release of assistance. If your work term is unpaid, you must provide confirmation of this from your employer or educational institution.
Note: Internships for students studying education or social work, or preceptorships for nursing students are not considered work terms.
All information provided to the Student Financial Services Division is subject to audit, including number of dependants, marital status, the date you left high school and financial information.
The financial information you provide will be checked against information you, your parents or your spouse have provided to the Government of Canada when submitting income tax returns. If there are discrepancies, automatic adjustments will be made to your file and you will be notified in writing. If you feel the action taken was incorrect, you must provide additional information to the division by submitting an Audit Income Form (see below) that includes a monthly breakdown of your income. Please note this information must be provided in time to ensure that you receive the financial assistance to which you are entitled prior to the period of study end date.
Be aware that providing incorrect financial information on two occasions, or deliberately providing incorrect information at any time to the Student Financial Services Division, may result in you being restricted from receiving further financial assistance.
Submitting false or misleading information in relation to any application for government-subsidized assistance is an offense pursuant to the Criminal Code of Canada, the Canada Student Financial Assistance Act, and the Newfoundland and Labrador Student Financial Assistance Act. Fines and/or imprisonment may result.
Note: You can submit a request to have an over-award resulting from an audit split over two semesters. Before your request can be considered you must either submit the Audit Income Form or notify the Student Financial Services Division via email or in writing that you agree with the adjustments.
Adobe® Acrobat® Reader software can be used for viewing PDF documents. Download Acrobat® Reader for free .