Resources for Student Loan Borrowers

Student Aid Alberta Service Centre
Phone: 1-855-606-2096

Canada Student Loans
Phone: 1-888-815-4514

Nightingale Academy
Office Phone: 780-478-5267

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 actio

What if I can’t afford My Payments

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 reduced or 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.

How Do I Apply for the Repayment Assistance Plan?

Go to or and create an online profile. 

Once you login, there is a link to apply for the Repayment Assistance Plan. 

If you need assistance contact Nightingale Academy. We are happy to assist.