If You're Saving for Retirement · 🇨🇦 Canada

Canada Student Loan Severe Permanent Disability Benefit — Cancel Federal Student Debt When Disability Is Extreme

Difficulty Medium Applies To All Provinces & Territories Last Updated 2026-04-03

Canada Student Loan Severe Permanent Disability Benefit — Cancel Federal Student Debt When Disability Is Extreme

What Is It?

The Severe Permanent Disability Benefit can forgive Canada Student Loans where the borrower meets the program’s disability standard.

What Most People Don’t Know

  • This is different from regular RAP.
  • The test is stricter and disability-focused.
  • The potential result is cancellation, not just lower payments.

Sources