The total amount of student loans you accumulate during your studies cannot exceed the maximum limit.

This limit varies depending on your level of education and the type of program in which you are studying.

If you are eligible for financial assistance at the beginning of an award year, you will remain eligible for the entire year. If you reach the debt limit, you can submit an exceptional case application.

Debt limit in secondary school and college
Level of education: Secondary school and collegeDebt limit
Secondary school studies – Vocational training$22 000
College studies – Pre-university training$16 000
College studies – Technical training, subsidized programs, public educational institutions$23 000
College studies – Technical training, subsidized programs, private educational institutions$27 000
College studies – Technical training, unsubsidized programs, public or private educational institutions$27 000
Debt limit in university
Level of education: UniversityDebt limit
University studies – Undergraduate, programs under 28 months$30 000
University studies – Undergraduate, programs 28 months or more$36 000
University studies – Master’s degree, programs under 20 months$42 000
University studies – Master’s degree, programs 20 months or more$48 000
University studies – Doctoral degree, all programs$55 000
University studies – All degrees, programs outside Québec but in Canada$55 000
University studies – All degrees, programs outside Canada$70 000

If you change programs, your debt limit must be reassessed. You will find more information in the “Student Loan Debt Limits” section of the Student Financial Assistance brochure This hyperlink will open in a new window..

Last update: November 8, 2021

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