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Student Advantage Line of Credit

Student Advantage Line of Credit

A line of credit that makes your life easier

Enjoy peace of mind while you're a full-time or part-time student at CEGEP, university or vocational school.

Express service for members only

Call the Student Advisory Centre at 1-800-667-7972 and your line of credit could be available in 45 minutes (subject to credit approval).

Key features

  • Customized credit limit Depending on your field of study2
  • Low interest rate 5.20% while you’re a student
  • Minimum adjusted repayment studiesDepending on your student status2
  • Fast access to money In your student account
  • Overdraft protection Yes

A line of credit that's just perfect for you

  • Take care of your tuition or internship fees.
  • Buy school and computer supplies
  • Cover your living and transportation expenses.

Features

Amount

  • Amount based on your situation (full-time or part-time student) and field of study.
  • Gradual increase in line with your needs

Interest rate

  • During your full-time studies: low interest rate of 5.20%
  • After graduating: low rate

Repayment

  • Pay only the interest on the amount you borrow while you're a full-time student2.
  • Pay it off at any time during your studies with no penalties
  • Option to defer the first repayment up to 12 months after completing your studies
  • Terms:
    • up to 10 years after graduating for vocational and CEGEP students
    • up to 15 years after graduating for university students

Access to funds

  • In your student account
  • Get to your money anytime on AccèsD
  • Transactions appear on your monthly account statement

Insurance

  • Life insurance from Desjardins Insurance is available to protect your line of credit (Quebec only).
    Learn more about Line of Credit Insurance

How does your student line of credit work?

Your line of credit ensures that your transactions will go through smoothly with no effort on your part. To better understand how it works, answer these 3 questions!

  the questionnaire.

Calculate the interest charges on your student line of credit

 $ 
 
  1. For full-time students: Only interest on the borrowed principal is payable monthly. Credit charges begin to apply upon payment of each cash advance and are calculated daily on the amount spent. There are no membership fees and a monthly account statement is sent to the member if the balance is negative. Rates are for illustration purposes only and are subject to change without previous notice. Examples of monthly credit charges for $1,000: annual credit rate of 4%: $3.40; annual credit rate of 5%: $4.20; annual credit rate of 6%: $5.10. Credit charges do not include insurance charges. Some conditions apply." role="doc-footnote

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