Canada-Manitoba Integration Project - FAQ

The Manitoba government is currently in the process of integrating some of the administration of the Manitoba Student Aid (MSA) program with the Canada Student Financial Assistance (CSFA) program. This means that the loan disbursement and repayment of Manitoba student loans will be managed by the National Student Loans Service Centre (NSLSC). Note that existing loans in repayment will be managed by MSA until April 1, 2023, and students will continue to submit new student loan applications, requests for reassessments and appeals for funding to MSA as that part of the MSA program is not changing.

General questions about the upcoming changes

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 be able to:

  • manage your student loans easily on the NSLSC Student Hub portal 
  • apply one payment to both your loans
  • benefit from enhanced self-service options
  • access extended call-centre hours

Manitoba Student Aid will continue to handle assessments of new student loan applications, reassessments of loans, and appeals for funding.

Have other provinces integrated their Student Aid with the Canada Student Financial Assistance Program (CSFA)?expand

Five other Canadian provinces have integrated their Student Aid Loan Administration with the CSFA Program.

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.

I can't get in to my Manitoba Student Aid online portal. How can I reset my account or password? expand

For account or password resets, Visit your Manitoba Student Aid online portal at: https://web33.gov.mb.ca/sao/app/en and select Forgot Your User ID/Forgot Your Password.

NOTE: You must use the exact full name you used on your last student loan application, including spaces or middle name if applicable, to be able to create a new online account.


Questions for borrowers who are in repayment

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

Manitoba borrowers in repayment will be transitioned to the NSLSC system on April 1, 2023. Borrowers in repayment will be required to sign a one-time MSFAA before April 1 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 Canada and Manitoba governments.  Instructions for signing the new MSFAA will be sent to you in January 2023. Please ensure your contact information is up to date with MSA and NSLSC by logging into both online portals to update your information. It is essential that we continue to communicate with you in the coming months.

You will need to continue making payments to both Manitoba Student Aid and the NSLSC until April 1, 2023.

Why do I need to sign a new MSFAA? expand

The new MFSAA will includes terms and conditions from both the Canada and Manitoba governments.

If you are a student with a current loan application, completing the new MSFAA will ensure that you will receive your funds.

If you are in repayment, completing the new MSFAA will ensure that pre-authorized debit repayments can continue to be applied to your loans after April 1, 2023. You will need to continue making payments to both Manitoba Student Aid and the NSLSC until April 1, 2023.

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

All students with a current loan application 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 are a student with a current loan application and do not sign the new MSFAA, you will not be able to receive new funding.

If you are a borrower in repayment and do not sign the new MSFAA, the National Student Loans Service Centre will be unable to use pre-authorized debit to withdraw your repayments after April 1, 2023 and your student loans may go into arrears or default.

Where can I view my loan balances? expand

If you have received additional student aid funding from July 2022 onwards, you can view the balance of your integrated Canada-Manitoba student loan on your NSLSC online account.

To check your Manitoba Student Loan balance until March 31, 2023, you can log into your Manitoba Student Aid online portal.

To check your Canada Student Loan balance until March 31, 2023, you can log into your NSLSC online account.

After April 1, 2023, check your NSLSC online account for the balance of your integrated Canada- Manitoba student loan. The NSLSC.ca online account will show which portion is funded by Manitoba and which portion is funded by Canada.

I can't get in to my Manitoba Student Aid online portal. How can I reset my account or password? expand

For account or password resets, Visit your Manitoba Student Aid online portal at: https://web33.gov.mb.ca/sao/app/en and select Forgot Your User ID/Forgot Your Password.

NOTE: You must use the exact full name you used on your last student loan application, including spaces or middle name if applicable, to be able to create a new online account.

How much interest do I have accrued on my student 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 per cent. The interest rate on Manitoba Student Loans is not changing at this time. If Canada and Manitoba 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 payments. 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 https://www.edu.gov.mb.ca/msa/repaying-student-loans/what-if-im-having-trouble-repaying-my-loans.html.

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.


Questions for borrowers who applied for Manitoba Student Aid funding for the 2022/23 school year

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

If you have an existing loan and are returning for a new loan, you will be required to sign a new integrated Master Student Financial Assistance Agreement (MSFAA) to ensure you will receive funding from the National Student Loans Service Centre.

You may log into your NSLSC online account to view and manage your loan account.

What does this mean for me as a new student applying for a loan for the first time? 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.

Where can I view my loan balances? expand

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

To check your Manitoba Student Loan balance until March 31, 2023, you can log into your Manitoba Student Aid online portal.

To check your Canada Student Loan balance until March 31, 2023, you can log into your NSLSC online account

After April 1, 2023, check your NSLSC online account for the balance of your integrated Canada- Manitoba student loan. The NSLSC.ca online account will show which portion is funded by Manitoba and which portion is funded by Canada.