Repaying student loans | Manitoba Student Aid

What happens to my loans when I am in school?

Find out about your loan and interest while you are in school, and what to do if you are a full-time student and not receiving a new loan.

When do I have to start making payments on my loans?

Payments are due on both your Canada Student Loan and Manitoba Student Loan six months after you stop going to school full-time.

If you are a part-time student, payments are due on your Canada Student Loan six months after you stop going to school. These loans accumulate interest while you are in school.

You have the opportunity to make payments on your loans while you are in school if you prefer.

Will I be charged interest?

Both your full-time Canada Student Loan and Manitoba Student Loan are interest-free while you are going to school full-time. Manitoba Student Loans are also interest-free while you are repaying your loan, and full time Canada Student Loans accumulate interest six months after you stop going to school full time.

I did not apply for a student loan this year but am a full-time student, when do I have to begin loan payments?

Full-time students with unpaid student loans begin making loan payments, including interest, six months after they stop going to school full-time.

If you are a full-time student with existing unpaid student loans who is either:

  1. Not receiving new full-time student loans, or
  2. Scheduled to start payments on your existing student loan before receiving a decision on your new student loan application

You need to submit BOTH of the following documents:

  1. Confirmation of Return to School Form (Adobe PDF Document 521 KB) to Manitoba Student Aid
  2. Confirmation of Enrolment – Schedule 2 Form (Adobe PDF Document 1.22 MB) to the National Student Loans Service Centre (the agency that collects on behalf of the Canada Student Loans Program)

The completed Confirmation of Return to School form can be submitted by mail, fax or email. You must submit your Confirmation of Return to School form before your period of study end date.

Documents can be sent by mail to one of the following offices:

Manitoba Student Aid
401-1181 Portage Avenue
Winnipeg, MB R3G 0T3

Manitoba Student Aid
362-340 9th Street
Brandon, MB R7A 6C2

Send documents by fax to 204-948-1210

Send documents by email to: msaloans@gov.mb.ca

If you do not inform both lenders that you are a full-time student by submitting these documents, you will be required to start making payments on your loans and you will be charged interest on your federal loan.

Please visit Maintain Your Canada Student Loan for more information on maintaining interest-free status on your Canada Student Loan.

Status Report | Manitoba Student Aid

New Information

COVID-19 Updates

Repayment of your Manitoba Student Loan will resume on October 1st, 2020.

If you are having trouble repaying your loan, you can apply for repayment assistance.

In person service is not available at this time.

We are pleased to support you by phone toll free at 1-800-204-1685 or 204-945-6321. You may also send an email through our website, or check for status updates on your student aid through MYSAO.