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Government Guaranteed Student Loan

Available to Quebec residents

You could benefit from government financial assistance if you’re a full-time vocational, CEGEP or university student.

  • Apply online.
  • Opt for a repayment solution tailored to your situation.

You could benefit from government financial assistance if you're a full-time vocational, CEGEP, college or university student.

The Ministère de l'Éducation et de l'Enseignement supérieur, de la Recherche et de la Science will provide you with financial assistance if you are enrolled as a full-time CEGEP, college, university or vocational student.

Student aid is calculated on the basis of allowable expenses, your financial contribution to your studies and that of your spouse or parents.

Based on your file at Aide financière aux études, if the maximum loan to which you're entitled is insufficient, a bursary may be added.

You can submit your application for student financial aid by mail or online.

By mail

Fill out the application for student financial aid prepared by the Ministère de l'Éducation et de l'Enseignement supérieur, de la Recherche et de la Science. You can either get the form at your school's financial aid office, or download it and print it from the Quebec government's Aide financière aux études (AFE) website. Once you fill out the form, mail it to the AFE.


Submit your loan application online. First, get "Online Access to Your File" on the Aide financière aux etudes (AFE) website. When using online services for the first time, you have to choose a password. As you fill out the online application form fields, only the pages that apply to you will be displayed. If a section is not properly filled in, you will not be able to continue on to the next section. Once the form is completed, you will be told which documents to provide, depending on your situation. To fill out and submit your application online, see On-Line Access to Your File! on the AFE website.

Once your application has been processed, the AFE will send you a Financial Assistance Statement telling you the total amount of financial assistance granted and a breakdown of the instalments. Shortly after, you’ll receive Guarantee Certificate and Loan Agreement.

Obtaining and submitting your Guarantee Certificate and Loan Agreement

  • Full-time student: Your Guarantee Certificate and Loan Agreement will be available online in your Internet student file once your academic information is confirmed. You'll have to print it, fill out the Loan Agreement fields before you sign and date it (leave the field reserved for the lender's representative's signature blank), digitize the documents (make sure the digitization is complete and clear) and send them to the Student Service Centre.

    Need help? See Instructions to fill out the Loan Agreementt.

    Notice: To send us multiple documents, you must first compress them in a single file with archiving software like WinZip - External link. This link will open in a new window. or 7-zip - External link. This link will open in a new window. on PC, or with the Compress - External link. This link will open in a new window. feature on Macintosh.

    Email us - This link will open in a new window. your documents

    Keep in mind that you can always submit your documents in person at a caisse.

  • Part-time student: You must go to your school’s financial aid office to get your Guarantee Certificate and Loan Agreement, both of which you must then bring to a caisse.

  • Quebec student (studying outside Quebec): Your Guarantee Certificate and Loan Agreement will be mailed to your Quebec mailing address. The person you designated in your application for financial aid can submit the documents at a caisse on your behalf.

Once your file has been registered and you've been approved to receive aid from the AFE, you'll start receiving payments in your account within 24 to 48 hours of contracting your loan.

Please note that you are responsible for keeping a signed copy of your Loan Agreement until your student loan has been reimbursed in full.

Did you know?
At Desjardins, even if you are studying out of town, you can continue doing business with your local caisse through another one that's closer to your school.

Financial assistance payment procedures

To avoid complicating the repayment of your loan, it is very important that you be the only account holder at the caisse. If the financial aid payment is deposited into a joint account or into a parental account in your name, your periodic or monthly payments will be delayed so they can first be validated.

Applying for a loan for the first time? To make sure you don't forget anything, see Your first application on the AFE website.

Find out more about the Deferred Payment Plan, interest, income taxes, as well as strategies for paying back your loan.

Learn more - Pay off your student loan

If your Government Guaranteed Student Loan has been disbursed or if you have started to pay back your student loan, you can call the Desjardins Group Student Service Centre experts for information. Advisors are on hand to answer your questions about:

  • the disbursement and management of your loan
  • the terms of repayment
  • the Ministère de l'Éducation et de l'Enseignement supérieur, de la Recherche et de la Science Deferred Payment Plan
  • any other complementary product or service

Did you know?

If you aren't eligible for financial assistance from the government, Desjardins has lines of credit for students that could help you throughout your studies. See Student Advantage Line of Credit.

Ask your questions directly to an advisor
Contact a Desjardins Student Service Centre advisor.

Do you live in Ontario?
To learn how this affects your situation, go to the Ontario Student Assistance Program (OSAP) website.
You can also contact your caisse or Human Resources Canada at 613-994-1844.

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