Awards and Financial Aid

Government Student Aid and Loans

This page has complete program information from applying to repayment. To skip directly to any of the sections listed below, just click on the name.

Application Process

The Government of Canada works in partnership with most provinces and territories to deliver student financial assistance programs. The exceptions are Quebec, the Northwest Territories and Nunavut which operate their own student financial assistance programs.

If you are a full-time student (see Course Load Requirements) and a resident of Manitoba*, you can  apply online.

*To be a resident of Manitoba, you must have lived in the province for at least 12 months. If you are a permanent resident (landed immigrant) or protected person, Manitoba must be your first province of residency.

If you are not a resident of Manitoba, you will have to apply through the province you last lived in for 12 months, or first resided in for recent immigrants. For a complete list, see Provincial and Territorial Student Financial Assistance Offices.

NOTE: Generally you must apply through your home province at least two months prior to your program end date.

Canada Study Grants and Bursaries

When you qualify for a Canada Student Loan, you are automatically assessed for Grants and Bursaries that you may be eligible to receive such as:

  • Canada Student Grant for Students from Low-income Families
  • Canada Student Grant for Students from Middle-income Families
  • Canada Student Grant for Students with Dependents
  • Rural/Northern Bursary
  • Canada Student Grant for Services and Equipment for Persons with Permanent Disabilities
  • Canada Student Grant for Persons with Permanent Disabilities.

These grants do not have to be paid back, and are normally the first portion of funding students will receive in their financial aid packages - before any loans are awarded. 

Program of Study

When you apply, you are asked to provide or select the program of study you are pursuing. Please note that for Undergraduate degree programs, your major is not your program of study. You should be selecting or listing the appropriate Faculty and Degree Program your major is associated with. For example, if you are pursuing a 4-year Chemistry major, your program of study = "Science (Major)".

General = 3-Year Degree
Major = 4-Year Degree
Honours = 4-Year Honours Degree.

Course Load Requirements

For most provinces, the minimum course load for which you must register to be eligible for full-time (interest-free) government student assistance is 60% of the maximum course load required for your study period:

  • Fall or Winter term only - 9 credit hours (60%)
  • Fall/Winter session - 18 credit hours (60%), but you must have 9 credit hours minimum in each term.
  • Spring/Summer session (6-8 weeks long) - 6 credit hours (80%)
  • Spring/Summer session (9 weeks or longer) - 9 credit hours (60%)

*Out-of-Province students should check with their provincial student aid branch to verify full time requirements as the information listed above pertains to Manitoba Student Aid lenders.

You must maintain the appropriate minimum course load for your study period in order to retain your student assistance eligibility. Note: Students with a Permanent Disability can be approved for full-time student aid with a 40% minimum course load (12 credit hours over the Fall/Winter session). The Accessibility Office can help you submit the required paperwork to be approved for full-time studies at a reduced course load.

  • Calculate your course load for the Fall/Winter session by dividing your registered course load by 30. Example: 21 credit hours/30 = 0.7  (70%)            
  •  
  • Calculate your course load for a single term (Fall, Winter, Spring/Summer) by dividing your registered course load by 15. Example: 12 credit hours/15 = 0.8  (80%)

Part-time student loan applications are available online here. The main difference between part-time and full-time government student aid funding is that the part-time student loans are federal funds only. However, in both instances you are not required to make monthly payments and interest does not accumulate on your loans while you are attending school.

NOTE: Wait-list courses are not reported when our office confirms your enrollment. If you are a full-time student, be sure you are registered in the minimum number of credit hours outlined above in order to have your government student aid funding released.

Registration at Another Post-Secondary Institution

If, in addition to The University of Winnipeg courses, you are registered and taking courses elsewhere during the academic year for credit towards your UW degree, you must present proof of registration to the Awards & Financial Aid Office before your student assistance document can be authorized and released to you.

Proof of registration must include the institution name, the academic year/term, the course name, the credit hours, and the cost. It can be dropped off in-person (1C22 - 1st Floor, Centennial Hall), faxed: 779-0961, or emailed to: awards@uwinnipeg.ca.

Release of Funding - Full-Time Manitoba Student Aid Recipients

Once you have been assessed and approved for funding and have submitted all the required documents sent with your Notice of Assessment, your first disbursement will automatically pay the tuition owing at the start of term. Any remaining funds will be deposited in your bank account. 

  • If you were approved for funding as of May 2 for the upcoming 2014 Spring/Summer session, you will automatically be given one month for your tuition payment to be received. See the Tuition Fee Deferral section below for more information.
  • If you have not applied at least 3 weeks before your classes begin (on or by April 14), you will not be granted the Tuition Fee Deferral and must make a payment arrangement with Student Central to avoid registration cancellation. You will also be subject to late fees. Payment arrangements can be made after the fee payment deadline has passed, and you should bring your Notice of Assessment with you. [NOTE: Those applying for full-time assistance by paper application should submit it by March 24 to be granted Tuition Fee Deferral.]

The payment deadline for tuition fees for Spring term courses is May 5, 2014. To view your Manitoba Student Aid funding disbursement schedule, refer to your Notice of Assessment or log onto to your online MYSAO account.

NOTE: The NSLSC Kiosk on campus to send in your documents is the UWSA Info Booth, 1st Floor-Centennial Hall.

  • The Master Student Financial Assistance Agreement for Canada should submitted through the Info. Booth. You must present government issued photo ID (driver's license, passport, permanent residency or citizenship card) and your SIN (Social Insurance Number) card, or an official Government of Canada document that indicates your SIN.
  • The Master Manitoba Student Loan Agreement (and any other documentation requiring submission such as the Declaration, Pre-Authorized Debit, and Confirmation of Income forms) can also be mailed to Manitoba Student Aid through the Info. Booth, or dropped off directly. Manitoba Student Aid, Room 401 - 1181 Portage Ave., Winnipeg, MB R3G 0T3.

Release of Funding - Out-of-Province and/or Part-time Student Aid Recipients

Once all the necessary documentation has been submitted after you have applied and been assessed, you should receive your funding shortly before or right at the start of classes. The documents will either be mailed direct to you or to the Awards & Financial Aid office for pick up (1C22 - 1st Floor, Centennial Hall). You will be notified by the Provincial office in your notice of assessment when and how you will receive the funding and funding documents.

The document(s) you receive will most often need to be signed by an Awards & Financial Aid Office staff member. When we sign your funding document, we will indicate the fees you owe to The University of Winnipeg. The National Student Loan Centre or the Provincial Aid Department will process the document, transferring the fee payment portion directly to the University and depositing any additional balance to your bank account. Instructions on these processes will be included in your student aid document package. Please follow them carefully.

NOTE: The NSLSC Kiosk on campus to send in your documents is the UWSA Info Booth, 1st Floor-Centennial Hall.

Tuition Fee Deferral

Tuition fees for registered courses are due by the start date of every term. For a list of fee payment deadline dates, visit Important Dates & Deadlines. If you are relying on your Government Student Aid to pay your tuition fees, please read the important information below.

Those who have been assessed and approved for Manitoba Student Aid before classes start will automatically have their tuition fees deferred for one month (until June 2). You will receive web-mail notification stating this. No action is needed.

If you are a recipient of out-of-province or part-time student aid, as long as we confirm your enrollment and/or sign your loan documents by May 23, you will be added to the Tuition Fee Deferral list. 

If you do not apply for Government Student Aid at least 3 business weeks before the start of classes (on or by April 14), you will not be on the fee deferral list and must make a payment arrangement with Student Central to avoid registration cancellation. You will be subject to late fees. 

Questions or concerns can be addressed to awards@uwinnipeg.ca.

What Is Tuition Fee Deferral?

You have been given a one month grace period so that:

a. Your registration is not cancelled, and

b. You are not charged late payment fees.

  • If your first student assistance disbursement does not cover your required fee payment in full, you will have to pay the remainder on your own by the fee payment deadline to avoid late fees.
  • If you withdraw from University courses, you will be responsible for the fees you owe until your actual date of withdrawal, regardless of Tuition Fee Deferral.
  • If your tuition payment is not received by the end of the one month grace period, you will have to make financial arrangements in-person at Student Central to ensure your registration is not cancelled. Bring your government student aid documents with you to show proof of pending payment(s). Late fees may apply.

Confirming Enrollment for Interest-free and/or Non-Repayment Status

If you are a student who has had past Government Student Loans and are currently a student but do not have a student loan this year, you can fill out a Schedule 2 document(s) to remain in non-payment and/or interest-free status. Please refer to your provincial government student aid branch and/or come to the Awards & Financial Aid office, Room 1C22 - 1st Floor Centennial Hall, where staff can provide you with the necessary form(s) and instructions. 

The chart below will help you identify if the completion of a Schedule 2 will have you remain or re-enter interest free and/or non-repayment status.

Situation 1.A:

Received full-time government student loans, continuing full-time studies, and are not reapplying for funding.

Result of Schedule 2 submission:

Interest-free and non-repayment status will remain or be reinstated.

Situation 1.B:

Received full-time government student loans, continuing part-time studies, and are not reapplying for funding.

Result of Schedule 2 submission:

You would enter/remain in repayment on your full-time loans, but interest would not be accumulating.

Situation 1.C:

Received full-time government student loans, continuing part-time studies, and have applied for part-time funding.

Result of Schedule 2 submission:

You would enter/remain in repayment on your full-time loans, but interest would not be accumulating on your full-time or part-time loans.

Situation 2.A:

Received part-time government student loans, continuing full-time studies, and are not reapplying for funding.

Result of Schedule 2 submission:

Interest-free and non-repayment status will be instated.

Situation 2.B:

Received part-time government student loans, continuing part-time studies, and not reapplying for funding.

Result of Schedule 2 submission:

You would enter/remain in repayment on your part-time loans, but interest would not be accumulating.

Situation 2.C:

Received part-time government student loans, continuing part-time studies, and have applied for part-time funding.

Result of Schedule 2 submission:

You would enter/remain in repayment on your full-time loans, but interest would not be accumulating on your full-time or part-time loans.

Situation 3.A:

Received full-time & part-time government student loans, continuing part-time studies, and not reapplying for funding.

Result of Schedule 2 submission:

You would enter/remain in repayment on your full-time and part-time loans, but interest would not be accumulating.

Situation 3.B:

Received full-time & part-time government student loans, continuing part-time studies, and have applied for part-time funding.

Result of Schedule 2 submission:

You would enter/remain in repayment on your full-time loans only, and interest would not be accumulating on your full-time or part-time loans.

NOTES:

  • These results may not be applicable if you are on probation or default status with your Government Student Aid branch(es).
  •  If you are in repayment or will be entering repayment and cannot afford to make your monthly payments, check out the Repayment Assistance Program (RAP) information below. 

Repaying Your Student Loan(s)

Are you graduating or leaving school? Then it's time to take charge of your finances!

Your government student loan(s) may come from the federal government and or your provincial/territorial government. This means you could have more than one loan to pay back. The current interest rates on loans are as follows:

  • Canada Student Loan (federal) is prime + 2.5%
  • Manitoba Student Loan (provincial) is prime + 0%
The National Student Loan Service Centre (NSLSC) will send your Consolidation Agreement by mail before you are required to start making payments. The Agreement sets the terms for the repayment of your Canada Student Loan; this is the federal portion of your loan. You'll have to make a number of decisions, including the type of interest rate and how long you'll take to repay your loan. Depending on your situation, you might also receive another Consolidation Agreement by mail for your provincial or territorial student loan.

You don't have to make any payments on your student loan(s) for the first six months after you leave school; however, interest will be added to your Canada Student Loan during these six months.

Helping You Repay Your Loan

Missing payments can have serious and long-term consequences. Contact the NSLSC before you miss a payment. The federal government can provide you with a number of options, such as the Repayment Assistance Plan (RAP). Click here for more information on RAP, or visit CanLearn.ca to use the Repayment Assistance Estimator.

Stay connected!

Sign up for an online NSLSC account on CanLearn.ca and ensure that the NSLSC has your up-to-date contact information.

For information on your student loan(s), contact the NSLSC at 1-888-815-4514 (TTY 1-888-815-4556).

For information on your provincial student loan(s), contact your provincial student financial aid office. For a complete list, see Provincial and Territorial Student Financial Assistance Offices.

Tips & Tidbits

Below is basic information regarding emergency funding, government student aid appeals, staying in non-repayment status, funding for exchange programs, and Manitoba Student Aid.

DID YOU KNOW...

  • If you are out of funds before your next disbursement of Government Student Aid occurs, you can arrange for bridge financing from the University in the form of an emergency loan. Please call 204-786-9984 for an appointment.
  • If you applied for Government Student Aid and were denied or approved for insufficient funding, the staff in Awards & Financial Aid may be able to help you make an appeal for additional assistance. No appointment is needed. Just bring your Notice of Assessment with you to the Awards & Financial Aid Office, Rooms 1C22 & 1C22A - 1st Floor Centennial Hall. Student drop-in hours are 8:30 a.m. - 2 p.m., Monday-Friday. If you need or would like to make an appointment, email awards@uwinnipeg.ca.
  • If you are registered in one of The University of Winnipeg Exchange Programs, you could qualify for government student aid for your studies abroad. Apply through your home province and be sure to sign Power of Attorney forms with a family member or close friend. This way they can submit the loan documents on your behalf while you are away. The forms are available from our office, www.canlearn.ca and/or your provincial government student aid office.
  • Manitoba Student Aid staff can be on campus on Fridays from 1 - 4 p.m. for students to meet with them. If you would like to set up an appointment time, please call 204-789-1420.
  • You can check the status of your student aid application, find out what documentation is still outstanding, update your address information and much more on-line! For Manitoba Student Aid recipients, go to MySAO to log into your existing account. For out-of-province applications, please refer to your provincial government aid website.


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