Repayment Options

Nightingale Academy has excellent instructors and staff ready to help you succeed.

What if I Miss a Payment?

There are many consequences if you miss even one payment on provincial or federal student loan:
  • Your credit rating is affected immediately
  • Your loans may be sent to a collection agency
  • Any GST or income tax refunds may be automatically used to repay to defaulted loans
  • The provincial and federal governments may take legal action

Repayment Assistance Plan

The Repayment Assistance Plan (RAP) and the Repayment Assistance Plan for Borrowers with a Permanent Disability (RAP-PD) makes it easier for you to manage your student loan debt by reducing your monthly payment.
  • Your monthly student loan payments would either be reducedor you would not have to make any payments, depending on your financial situation. If you have a permanent disability, it could also depend on your permanent disability-related expenses, which include allowable uninsured medical expenses, special care and other expenses directly related to your permanent disability.
  • Enrolment is not automatic, and you must re-apply for this plan every six months.
Learn More

How Do I Apply for the Repayment Assistance Plan?

  • 1
    Go to or and create an online profile.
  • 2
    Once you login, apply for the Repayment Assistance Plan.
  • 3
    If you need help contact Nightingale Academy. We are happy to assist.