Canada-Manitoba Integration Project - FAQ

The Manitoba government is currently in the process of integrating the administration of the Manitoba Student Aid (MSA) program with the Canada Student Financial Assistance Program (CSFA Program). This means that Manitoba student loans will be managed by the National Student Loans Service Centre (NSLSC). The planned changes to the administration of student loans will be effective July 4, 2022. Note that existing loans will be managed by MSA until April 2023.

What changes are taking place with Manitoba Student Aid? expand

Manitoba Student Aid is integrating its loan disbursement and loan administration systems with Canada Student Financial Assistance Program (CSFAP). This means that student loans with Manitoba Student Aid will be managed by the National Student Loans Service Centre (NSLSC).

Why is this change taking place? expand

These changes will help provide you with an improved student aid experience. You will benefit from enhanced self-service options and improved customer service through extended call-centre hours. Manitoba Student Aid will continue to handle assessments of new student loan applications, reassessments of loans, and appeals for funding.

What does this mean for me if I used to have a loan with Manitoba Student Aid and require a new loan? (Returning Borrower)expand

If you have an existing loan and are returning for a new loan you can expect the following:

  1. If you applied for a new loan prior to June 2022 and the funds are due to be disbursed in late June 2022 - August 2022, your funds will be disbursed early to ensure they can be accessed during this period of transition. You should receive an email notification from Manitoba Student Aid with additional details.
  2. You will be required to sign a new integrated Master Student Financial Assistance Agreement (MSFAA) to ensure you can continue to receive funding from the National Student Loans Service if:
    • You have pending disbursements post August 2022
    • or
    • You have pending documentation
    • or
    • You apply for a new loan from July 2022 onwards.
  3. You may log into your NSLSC online account to manage your loan account.
What does this change mean for me as an existing student with no new loan? (Existing Borrowers) expand

Existing borrowers will be required to sign a one-time MSFAA in early 2023 or when they first apply for new student financial assistance, whichever comes first. The one-time MSFAA contains terms and conditions related to your loan from both Manitoba and Federal governments.

What does this mean for me as a new student applying for a loan? (New Borrowers) expand

As a new student, you can expect improved service and access to your NSLSC online account through which your loan payment can be easily managed.

What does this change mean for me as a borrower who is currently in repayment? (Borrowers in repayment) expand

All Manitoba borrowers in repayment will be transitioned to the NSLSC system in early 2023. Borrowers in repayment do not have to take any action at this time, but you will be required to sign a one-time MSFAA in 2023 or when you apply for new student financial assistance, whichever comes first. The one-time MSFAA contains terms and conditions related to your loan from both Manitoba and Federal governments.

Why have my funds been disbursed earlier than expected? expand

If you have an existing loan with Manitoba Student Aid, you may find that your loan funds were disbursed earlier to ensure that you have access to them while the transition is taking place. You must ensure that the funds disbursed to you are spent on the appropriate items which they were originally intended for.

Where can I view my loan balance? (Returning borrowers and borrowers in repayment) expand

To check your Manitoba Student Loan balance, you can log into your Manitoba Student Aid online portal.

To check your Canada Student Loan balance, you can log into your NSLSC online account.

If you receive additional student aid funding from July 2022 onwards, you will also be able to view the balance of your integrated Canada-Manitoba student loan on your NSLSC online account.

Where can I view my loan balance? (New borrowers) expand

For borrowers who are obtaining a student loan for the first time from August 2022 onwards, you will be able to view the balance of your integrated Canada-Manitoba student loan on your NSLSC online account.

What are the respective balances of my Federal government loan and Manitoba government loans? (Returning borrowers and borrowers in repayment) expand

If you have an existing loan with Manitoba Student Aid, you can continue to use your Manitoba Student Aid online portal to view your Manitoba Student Loan balance. You can view your Canada Student Loan balance on your NSLSC online account.

If you receive additional student loans from July 2022 onwards, you will also be able to view the balance of your integrated Canada-Manitoba student loan on your NSLSC online account. For integrated loans, the NSLSC online account will show which portion is funded by Manitoba and which portion is funded by Canada.

What are the respective balances of my Federal government loan and Manitoba government loans? (New borrowers) expand

For borrowers who are obtaining a student loan for the first time from August 2022 onwards, you will be able to view the balance of your integrated Canada-Manitoba student loan on your NSLSC online account. The NSLSC online account will show which portion is funded by Manitoba and which portion is funded by Canada.

Why do I need to sign a new MSFAA? expand

The new MFSAA has been updated to include terms and conditions from both the Manitoba government and the Federal government. Signing the new MSFAA will ensure that you will continue to receive your funds.

What happens if I don’t sign the new MSFAA? expand

All students and existing borrowers are required to sign the new MSFAA because it contains terms and conditions related to the ongoing administration of your loan. If you do not sign the new MSFAA, you will not be able to receive new funding.

How much interest do I have accrued on my new loan? expand

Effective April 2021, the Government of Canada has temporarily eliminated interest on Canada Student Loans. If you have a loan with Manitoba Student Aid that has previously accrued interest, you can log into your Manitoba Student Aid online portal to check your Manitoba Student Loan balance.

Manitoba loans are currently interest free but Canada charges interest on their loans, does that mean my Manitoba loan will also have interest? expand

Effective April 2021, the Government of Canada has temporarily eliminated interest on Canada Student Loans. Therefore, the current interest rate for both the Manitoba Student Loan and Canada Student Loan is 0%. The interest rate on Manitoba Student Loans is not changing at this time. If Manitoba and Canada have differing interest rates on their student loans in the future, Manitoba’s interest rate will apply to the Manitoba portion of integrated loans and Canada’s interest rate will apply to the Canada portion of integrated loans.

I am struggling to make my Manitoba Student loan repayments, who do I speak to, to get some help? expand

If you're having trouble repaying your Manitoba Student Loan, you may still apply for the Repayment Assistance Plan at this time. For more information, visit What if I'm having trouble repaying my loans?

For Canada Student Loan repayment assistance inquiries, the NSLSC has loan repayment options (Repayment Assistance Plan (RAP) or Customize My Payment Terms) available to help make your student loan payments more affordable and keep your loan(s) in good standing. To learn more or apply, visit NSLSC.ca.

Have other provinces integrated their Student Aid with CSFAP? expand

Five other Canadian provinces have integrated their Student Aid Loan Administration with CSFAP.

The Manitoba Student Aid application was released later than usual this year, will I get my funds in time? expand

Due to regulatory and system changes required for integration, the 2022/2023 Manitoba Student Aid application will not be available until early July. These changes will support the integration of federal and provincial loan programs to make it easier for students to manage their loans.

This section of the website will be updated as soon as the application becomes available. To avoid delays, students are encouraged to apply as soon as possible once the application is available and to submit all required documentation when requested.

After integration, can the National Student Loans Service Centre also be responsible for loan applications? expand

Students from Manitoba will continue to apply to Manitoba Student Aid for student financial assistance. Manitoba Student Aid will continue to assess eligibility for both Manitoba Student Loans and Manitoba bursaries, and Canada student loans and grants.