Canada-Manitoba Integrated Student Loan - FAQ

The Governments of Canada and Manitoba have integrated some of the administration of their student loan programs. For Manitoba Student Aid (MSA) borrowers, this means that the loan disbursement and repayment of Manitoba student loans are now managed by the National Student Loans Service Centre (NSLSC). 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.

Please note that MSA is no longer accepting payments for Manitoba student loans. Please visit the NSLSC website to learn how you can continue repayment of your Manitoba Student Loan.

General questions about the upcoming changes

What changes are taking place with Manitoba Student Aid? expand

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 July 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.

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 National Student Loans Service Centre Student Hub portal
  • apply one payment to both your loans
  • benefit from enhanced self-service options
  • access extended call-centre hours
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 have signed the new Master Student Financial Assistance Agreement (MSFAA). What happens next? expand

After you sign your new MSFAA, you will be set up for Manitoba Student Loan payments with the National Student Loans Service Centre (NSLSC) starting July 1, 2023. If you have entered your pre-authorized debit payment details, your Manitoba Student loan payments will be deducted from your account automatically. Please visit the NSLSC Payment Method Options site for further information.

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 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.

I haven't logged into my Manitoba Student Aid online portal for a while and my login information has been canceled. How can I check my Manitoba Student Loan balance? expand

If you have set up your account with the National Student Loans Service Centre (NSLSC), you will be able to view your integrated Canada-Manitoba Student Loan details on your NSLSC online portal starting July 1, 2023.

If you need to check your Manitoba Student Loan balance prior to July 1, 2023 you will need to view the details on your Manitoba Student Aid online portal. Please follow the instructions on the login page to reset your account.

Why has the Canada-Manitoba Student Loan integration been rescheduled? expand

The Canada-Manitoba Student Loan integration has been rescheduled to ensure a seamless migration of provincial loans to the National Student Loans Service Centre (NSLSC). Please be assured that we are working to successfully migrate your Manitoba student loan to the NSLSC on July 1, 2023.

Do I need to complete the One-Time MB MSFAA now, or can I wait until July 1, 2023? expand

Although the Canada-Manitoba Student Loan integration has been rescheduled to July 1, 2023, completing the One-Time Manitoba Master Student Financial Assistance Agreement (MSFAA) remains an important step to prepare for the integration of your loan. Please complete your new MSFAA before July 1, 2023, to ensure the continuation of your student loan services with the National Student Loans Service Centre.

If you have already completed the One-Time MSFAA, you do not need to complete it again.

Will there be any changes to the integration process due to this date change? expand

At this time, we do not anticipate any changes to the integration aside from it being rescheduled from April 1, 2023 to July 1, 2023. Until the integration is complete on July 1, 2023, Manitoba Student Aid will manage Manitoba Student Loans, while the National Student Loans Service Centre (NSLSC) will manage Canada Student Loans, including Canada-Manitoba Integrated Student Loans issued after June 2022.

If there are any updates or changes to the integration, either Manitoba Student Aid or the NSLSC will communicate those changes to you via email.


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 National Student Loans Service Centre (NSLSC) system on July 1, 2023. Borrowers in repayment will be required to sign a one-time Master Student Financial Assistance Agreement (MSFAA) before July 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 were sent to all borrowers 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.

Why do I need to sign a new Master Student Financial Assistance Agreement (MSFAA)? expand

The new MFSAA will include 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 July 1, 2023. You will need to continue making payments to both Manitoba Student Aid and the National Student Loans Service Centre until July 1, 2023.

What happens if I don't sign the new Master Student Financial Assistance Agreement (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 July 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 National Student Loans Service Centre (NSLSC) online portal.

To check your Manitoba Student Loan balance until June 30, 2023, you can log into your Manitoba Student Aid online portal.

To check your Canada Student Loan balance until June 30, 2023, you can log into your NSLSC online portal.

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

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

After July 1, 2023, you may check your National Student Loans Service Centre online portal to view all your loan details, including any interest owing.

Do I still select the payee "Manitoba Student Loans" when making Manitoba Student Loan payments through online banking? expand

Borrowers will be able to make Manitoba Student Loan payments online up until June 30, 2023 and select “Manitoba Student Loans” as the payee.

Starting July 1, 2023, payments will no longer be accepted by Manitoba Student Aid. Please visit the National Student Loan Service Centre Payment Method Options site for details on how to make your payments.

Who do I contact for increasing/decreasing the monthly payment amount? expand

Please visit the National Student Loans Service Centre Repayment Options site for further information on how you can customize your payment options.

What will my new monthly repayment amount be after my loans are integrated? expand

Please log into your National Student Loans Service Centre online portal for your new integrated payment amount.

When will my last pre-authorized debit payment be withdrawn by Manitoba Student Aid? expand

Manitoba Student Aid will continue to withdraw pre-authorized debit payments based on the current withdrawal schedule up until June 16, 2023.

When will my first payment be withdrawn by the National Student Loans Service Centre (NSLSC) after my loans are integrated? expand

Your first payment will be withdrawn by the NSLSC by the end of July 2023.

Can I make payments to Manitoba Student Aid in person? expand

Payments will no longer be accepted in person at the Manitoba Student Aid office as of June 16, 2023. However, borrowers will be able to make payments online up until June 30, 2023.

I don't want to complete the MSFAA as I prefer making payments on my own. / I do not want to activate pre-authorized debit. expand

Please complete a new Master Student Financial Assistance Agreement (MSFAA) to prepare for the integration of your loan and to ensure the continuation of your student loan services with the National Student Loans Service Centre (NSLSC). The MSFAA includes the terms and conditions from both the Canada and Manitoba governments.

At any point following the completion of your MSFAA, you may contact us to request the deactivation of your pre-authorized debit.


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

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 National Student Loans Service Centre online account through which your loan payment can be easily managed.