Quebec Student Financial Assistance — AFE
Quebec operates its own fully independent student financial assistance system — the Aide financière aux études (AFE). Quebec students do not access Canada Student Loans; instead they apply through the AFE, which assesses eligibility for both a repayable loan and a non-repayable bursary component based on financial need.
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The AFE calculates how much you need based on your costs of study versus your available resources (family income, personal income). The assessed shortfall is split between a loan and a bursary.
- Loan portion: Repayable after graduation; interest charged by Quebec
- Bursary portion: Non-repayable for lower-income students
- Assessment: Considers family income, assets, number of dependants
- Application: Through afe.gouv.qc.ca each academic year
Because Quebec opted out of the Canada Student Loans program, Quebec students do not receive Canada Student Grants or federal loans. They use the AFE system exclusively.
- No Canada Student Grant for Quebec residents (province opted out)
- No Canada Student Loan for Quebec residents
- AFE provides equivalent support through its own grant/loan formula
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