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- Respect the Debt Limit
Respect the Debt Limit
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.
| Level of education: Secondary school and college | Debt 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 |
| Level of education: University | Debt 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 (PDF 1 Mb).
Last update: February 12, 2025