Cette page n'est pas encore entièrement disponible en français. Nous travaillons activement à traduire le contenu d'Accessible Compass. Certains renseignements peuvent donc apparaître en anglais. Pour obtenir les renseignements les plus récents, veuillez également consulter la source gouvernementale officielle indiquée sur cette page. Voir le contenu en anglais
Severe Permanent Disability Benefit
SPDB
May cancel the repayment of federal and provincial student loans for borrowers whose severe permanent disability prevents them from studying and working.
Conseils utiles pour la demande
If approved, this cancels the loan entirely — it is not a deferral. Make sure your medical professional completes the specific SPDB assessment form.
Qui peut être admissible
Borrowers whose severe permanent disability means they cannot take part in post-secondary studies or the labour market, confirmed by an approved medical assessment.
Documents requis
A medical assessment confirming the severe permanent disability, completed by an approved medical professional, and the application form.
Comment présenter une demande
Apply through the National Student Loans Service Centre (NSLSC) with the completed medical assessment form.
Erreurs courantes à éviter
Confusing this with RAP-D, which defers or reduces payments; the SPDB cancels them. Not using the correct medical assessment format.
Vous préparez une demande?
L'Aide aux demandes vous guide, en langage clair, question par question dans le formulaire de cette prestation.
Vous pourriez aussi être admissible à…
Repayment Assistance Plan for Borrowers with Disabilities
Helps student loan borrowers with disabilities who are struggling to repay by reducing or pausing monthly payments based on income and family size, with an extended eligibility period.
Voir les détailsCanada Student Grant for Services and Equipment for Students with Disabilities
Up to $20,000 per school year for disability-related services and equipment needed to take part in post-secondary education, such as assistive technology, tutors, note-takers, and sign language interpreters.
Voir les détailsCanada Student Grant for Students with Disabilities
Up to $2,800 per school year (until the end of the 2026 to 2027 school year) to help students with disabilities cover education costs such as tuition, books, and living expenses. This grant does not need to be repaid.
Voir les détailsDemande refusée?
Si votre demande est refusée, le guide des appels explique les délais de dépôt, les niveaux d'escalade et où trouver de l'aide juridique gratuite et des défenseurs des droits.
Ressources nationales
HealStroke: Stroke Recovery — Stroke Technology, Inc.
HealStroke is a mobile app for adults after stroke and adult caregivers. Publisher-described features include daily recovery organization, reminders, guided practice and progress records. Free download with in-app purchases. It supports education and self-management alongside professional care; no independent clinical-effectiveness or accessibility certification is claimed.
Voir les détailsStepSafe Technologies Inc.
StepSafe makes a matchbox-sized cellular GPS tracker for children with autism, ADHD or Down syndrome who are prone to wandering (elopement). Parents see live location in an app, get alerts when a child leaves a safe zone, and the microphone is permanently disabled for privacy. Locking wristband and waistband wearables are in development. Devices ship to families in Canada and the US starting February 2027. We also offer a free wandering Safety Kit for parents (printable ID card, safety plan and checklists) at stepsafetech.com/resources.
Voir les détailsFind A Doctor Canada
Find A Doctor Canada is a free, independent online search tool for exploring family-doctor, walk-in clinic and other primary-care options across Canada. Searching for a family doctor can add another burden for people already managing a disability or supporting a loved one — this tool lets users search by location and care type, review reported availability and source notes, and contact clinics directly. It is a navigation tool, not a clinic or medical service; current intake, eligibility and accessibility arrangements must be confirmed with each provider, and acceptance is not guaranteed.
Voir les détailsAccessible Compass est un guide indépendant — nous ne sommes pas un organisme gouvernemental et nous ne traitons pas les demandes ni n'approuvons les prestations. Nous fournissons de l'information générale seulement, et non des conseils juridiques, médicaux ou financiers. Les règles des programmes peuvent changer. Confirmez toujours auprès des sources gouvernementales officielles.
