Territorial · NWT

Northwest Territories Student Financial Assistance

The Northwest Territories Student Financial Assistance (SFA) program is one of the most generous student aid programs in Canada. Unlike most provinces, NWT provides substantial non-repayable grants that can cover tuition, books, and living expenses — often leaving NWT students with little or no debt. NWT does not participate in the Canada Student Loans and Grants program; instead, it runs its own territorial system.

Administered by: Government of the Northwest Territories – Education, Culture and Employment Basic grant (tuition): Covers tuition and mandatory fees at eligible institutions Supplementary grant: Living allowance, travel, books (non-repayable) Remissible loan: A portion of aid that is forgiven if you return to NWT after graduation
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Quick facts — Northwest Territories Student Financial Assistance
Administered by Government of the Northwest Territories – Education, Culture and Employment
Basic grant (tuition) Covers tuition and mandatory fees at eligible institutions
Supplementary grant Living allowance, travel, books (non-repayable)
Remissible loan A portion of aid that is forgiven if you return to NWT after graduation
Federal program? No — NWT runs its own system, separate from Canada Student Loans
Application Through ECE regional offices or online at ece.gov.nt.ca
Last verified March 2026
Main programs

NWT Student Financial Assistance consists of three main components: the basic grant, supplementary funding, and remissible loans. Together, these can cover the full cost of post-secondary education for NWT residents.

  • Basic Grant: Covers tuition and mandatory fees at any eligible Canadian post-secondary institution
  • Supplementary Grant: Non-repayable living allowance for rent, food, and books
  • Travel Allowance: Covers return travel between NWT and your school (crucial for northern students)
  • Remissible Loan: A loan that is forgiven dollar-for-dollar if you return to the NWT and work for a specified period after graduation
  • Northern Bonus: Additional top-up for students from remote NWT communities
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Who qualifies

NWT Student Financial Assistance is available to residents of the Northwest Territories attending eligible post-secondary institutions.

  • NWT resident (generally lived in NWT for at least 12 consecutive months)
  • Canadian citizen, permanent resident, or Indigenous person with status in NWT
  • Enrolled full-time at a designated post-secondary institution in Canada
  • Maintaining satisfactory academic progress
  • Not in default on any previous NWT student financial assistance
Tips for NWT students

Here are some practical tips to maximize your NWT student funding:

  • Apply early — NWT SFA applications open in the spring for the fall academic year
  • If you plan to return to NWT after graduation, your remissible loan is forgiven — factor this into your career planning
  • Keep your NWT residency status up to date with ECE to ensure eligibility
  • Even though NWT doesn't use the Canada Student Grant system, you may still qualify for some federal scholarships (Vanier, Schulich, Loran) separately
  • Indigenous NWT students should also apply for Indspire and federal Indigenous-specific funding

Frequently asked questions

No. The Northwest Territories opted out of the Canada Student Loans and Grants program and runs its own Student Financial Assistance (SFA) program through the Department of Education, Culture and Employment.
It's a mix. The basic grant and supplementary grant are fully non-repayable. The remissible loan portion is technically a loan but is forgiven if you return to the NWT and work there after graduation.
NWT SFA can cover tuition, mandatory fees, books, travel to and from school, and a living allowance. For many students, this covers the full cost of attendance with minimal or no student debt.
Yes. NWT SFA can be used at any designated post-secondary institution in Canada, including universities and colleges in southern provinces.
If you don't return to the NWT after graduation, the remissible portion becomes a standard student loan that must be repaid. The non-repayable grant portions are yours to keep regardless.
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Official source: Student Financial Assistance – Government of the Northwest Territories · Last verified: March 2026 · Always confirm details directly with the program provider before applying.

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