{"id":98274,"date":"2026-06-12T13:30:25","date_gmt":"2026-06-12T17:30:25","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=98274"},"modified":"2026-06-12T13:30:27","modified_gmt":"2026-06-12T17:30:27","slug":"what-you-need-to-know-about-student-lines-of-credit-in-canada","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-loans\/what-you-need-to-know-about-student-lines-of-credit-in-canada\/","title":{"rendered":"What You Need to Know About Student Lines of Credit in Canada"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tldr\">Key Takeaways<\/h4>\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">A student line of credit is a flexible pool of money you can dip into for things like tuition, rent, or books. You only pay interest on the amount you actually use.<\/p><\/li>\n<li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">While you\u2019re in school, you\u2019ll need to make interest-only payments. This helps keep your budget in check while you\u2019re focused on your studies.<\/p><\/li>\n<li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">RBC Royal Credit Line for Students offers a 24-month grace period after you finish school before you have to start paying back the principal (what you borrowed) and the interest.<\/p><\/li>\n<\/ul>\n<\/div><\/div><br>\n\n\n\n<p class=\"wp-block-paragraph\">Paying for post-secondary education can be challenging, especially when savings and part-time work aren\u2019t enough to cover tuition and living costs. In those situations, a&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/loans-line-of-credit\/student-loans\/overview.html\" target=\"_blank\" data-dig-id=\"LP-98274-64b17766\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"student line of credit\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">student line of credit<\/a>&nbsp;can help bridge the gap.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cFinancing an education often involves balancing multiple sources of funding,\u201d says Jennifer Zanatta, Senior Director of Personal Lending at Royal Bank of Canada. \u201cWhen there\u2019s a shortfall, we\u2019ve commonly seen a student line of credit as one option to consider. Speaking with an advisor can help students understand both the opportunities and responsibilities that come with banking products.\u201d<\/p>\n\n\n\n<h2 id=\"h-what-is-a-student-line-of-credit\" class=\"wp-block-heading\">What is a student line of credit?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Think of a student line of credit as a flexible pool of money you can use when you need it. Unlike a traditional loan, where you get a lump sum of cash all at once, a line of credit gives you a previously approved credit &nbsp;limit (e.g. $5,000) that stays in the background.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You only take out what you actually need, whether that\u2019s for this semester\u2019s books or next month\u2019s rent, and you only pay interest on the amount you\u2019ve actually used. It\u2019s there if you need it, but it doesn\u2019t cost you if you don\u2019t use it, and as you pay back what you\u2019ve borrowed, your available balance up to your credit limit becomes available again.<\/p>\n\n\n\n<h3 id=\"h-how-does-a-student-line-of-credit-work\" class=\"wp-block-heading\">How does a student line of credit work?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">With a student line of credit, you apply for a set amount of funds from RBC that you agree to repay over time. It\u2019s a flexible option to help you cover ongoing or unexpected expenses while you\u2019re at school. Here\u2019s how it works:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Credit limit<\/strong>: The maximum amount you can borrow<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Interest<\/strong>: Charged only on the amount you use<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Flexible access<\/strong>: Borrow, repay, and borrow again within your limit<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Payments while in school<\/strong>: Usually interest-only<\/p><\/li>\n<\/ul><br>\n\n\n\n<h3 id=\"h-what-is-the-difference-between-a-student-loan-and-a-student-line-of-credit-in-canada\" class=\"wp-block-heading\">What is the difference between a student loan and a student line of credit in Canada?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In Canada, student loans and student lines of credit serve different purposes. Student loans are government-funded, whereas student lines of credit are offered by banks. Most students use both: government loans first, then a line of credit to fill in gaps.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Student Loan vs Student Line of Credit (While in School)<\/p>\n\n\n\n<div class=\"wp-block-group has-text-reg-font-size is-nowrap is-layout-flex wp-container-core-group-is-layout-8f761849 wp-block-group-is-layout-flex\">\n<table class=\"table-swipe wp-block-rbc-responsive-table-block\">\n<thead><tr><th scope=\"col\" style=\"width: 33.33%\">Feature<\/th><th scope=\"col\" style=\"width: 33.33%\">Government Loan<\/th><th scope=\"col\" style=\"width: 33.33%\">RBC Line of Credit<\/th><\/tr><\/thead>\n<tbody>\n<tr>\n<td><p class=\"wp-block-paragraph\"><strong>Interest<\/strong><\/p><\/td>\n<td><p class=\"wp-block-paragraph\">Often none<\/p><\/td>\n<td><p class=\"wp-block-paragraph\">Yes (interest-only payments)<\/p><\/td>\n<\/tr>\n<tr>\n<td style=\"background-color: #E3F4FF\"><p class=\"wp-block-paragraph\"><strong>Flexibility<\/strong><\/p><\/td>\n<td style=\"background-color: #E3F4FF\"><p class=\"wp-block-paragraph\">Fixed amount provided at one time<\/p><\/td>\n<td style=\"background-color: #E3F4FF\"><p class=\"wp-block-paragraph\">Borrow as needed (within approved credit limit)<\/p><\/td>\n<\/tr>\n<tr>\n<td><p class=\"wp-block-paragraph\"><strong>Repayment<\/strong><\/p><\/td>\n<td><p class=\"wp-block-paragraph\">Structured<\/p><\/td>\n<td><p class=\"wp-block-paragraph\">Flexible, but once the line of credit is converted into repayment status, there are structured payment requirements<\/p><\/td>\n<\/tr>\n<tr>\n<td style=\"background-color: #E3F4FF\"><p class=\"wp-block-paragraph\"><strong>Best for<\/strong><\/p><\/td>\n<td style=\"background-color: #E3F4FF\"><p class=\"wp-block-paragraph\">Core funding<\/p><\/td>\n<td style=\"background-color: #E3F4FF\"><p class=\"wp-block-paragraph\">Covering gaps<\/p><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\n\n<h2 id=\"h-how-to-apply-for-a-student-line-of-credit\" class=\"wp-block-heading\">How to apply for a student line of credit?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To apply for a student line of credit, you\u2019ll need to provide:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">Proof of enrollment<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.rbcroyalbank.com\/bank-accounts\/youth-student-banking\/budget-calculator.html?_gl=1*1rui7wo*_up*MQ..*_gs*MQ..&amp;gclid=CjwKCAjw1tLOBhAMEiwAiPkRHsF5lJyQKkN9o2hCIlTWUXQqEljzAesJv_r7n2rKz8OqbXplehknZhoCKNEQAvD_BwE&amp;gbraid=0AAAAAD6XomsGCvRsSq0ZK69vN_RcMnNu5\" target=\"_blank\" data-dig-id=\"LP-98274-9f289804\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Estimated education costs\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Estimated education costs<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">List of financial resources (RESPs, scholarships, etc.)<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-is-a-co-applicant-needed-for-a-line-of-credit\" class=\"wp-block-heading\">Is a co-applicant needed for a line of credit?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, you might need a co-applicant (also called co-signer in many cases) if you have limited or no credit history or if you are studying outside of Canada. If you are an international student studying in Canada, the co-applicant has to be a Canadian citizen or permanent resident.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you have a co-applicant, they will also be responsible for repayment.<\/p>\n\n\n\n<h2 id=\"h-understanding-co-applicants-what-you-need-to-know\" class=\"wp-block-heading\">Understanding co-applicants: What you need to know<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A co-applicant acts like a financial partner in sharing legal responsibility for a debt, promising to repay the full amount if the primary borrower can\u2019t. Many Canadian banks require a co-applicant for student lines of credit, especially when you don\u2019t yet have an established credit record.<\/p>\n\n\n\n<h3 id=\"h-who-can-be-your-co-applicant\" class=\"wp-block-heading\">Who can be your co-applicant?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Your co-applicant needs to be a Canadian resident aged 18 or older with strong financial standing. Banks look for a good credit score, along with stable income and a clean credit history. This means no recent bankruptcies or major late payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on the institution, they\u2019ll be asked to provide recent pay stubs, T4 slips from the past two years or a letter of employment to prove they can repay the loan if needed.<\/p>\n\n\n\n<h3 id=\"h-how-does-this-affect-your-co-applicant-s-credit\" class=\"wp-block-heading\">How does this affect your co-applicant\u2019s credit?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The loan appears on the co-applicant\u2019s credit report right away, as if they borrowed the money themselves. Making on-time payments helps build your credit score while maintaining or improving your co-applicant&#8217;s score.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The loan also increases their debt-to-income ratio, which could affect their ability to get approved for their own mortgage, car loan or credit card in the future.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Credit utilization also plays a part in how it can impact their finances. If their utilization ratio is above 35 per cent of available credit, their score could lower, , even before anyone misses a payment. Any late or missed payments you make will damage their credit score as much as yours. That\u2019s the risk they\u2019re taking on.<\/p>\n\n\n\n<h3 id=\"h-co-applicant-impact-at-a-glance\" class=\"wp-block-heading\">Co-applicant Impact at a Glance<\/h3>\n\n\n\n<div class=\"wp-block-group has-text-reg-font-size is-nowrap is-layout-flex wp-container-core-group-is-layout-8f761849 wp-block-group-is-layout-flex\">\n<table class=\"table-swipe wp-block-rbc-responsive-table-block\">\n<thead><tr><th scope=\"col\" style=\"width: 33.33%\">Scenario<\/th><th scope=\"col\" style=\"width: 33.33%\">Impact on Co-applicant&#8217;s Credit<\/th><th scope=\"col\" style=\"width: 33.33%\">What This Means<\/th><\/tr><\/thead>\n<tbody>\n<tr>\n<td><p class=\"wp-block-paragraph\"><strong>You make all payments on time<\/strong><\/p><\/td>\n<td><p class=\"wp-block-paragraph\">Positive: maintains or improves their score<\/p><\/td>\n<td><p class=\"wp-block-paragraph\">Builds trust and strengthens both credit profiles<\/p><\/td>\n<\/tr>\n<tr>\n<td style=\"background-color: #E3F4FF\"><p class=\"wp-block-paragraph\"><strong>You miss or make late payments<\/strong><\/p><\/td>\n<td style=\"background-color: #E3F4FF\"><p class=\"wp-block-paragraph\">Negative: lowers their score immediately<\/p><\/td>\n<td style=\"background-color: #E3F4FF\"><p class=\"wp-block-paragraph\">Both your reports show the delinquency<\/p><\/td>\n<\/tr>\n<tr>\n<td><p class=\"wp-block-paragraph\"><strong>Loan appears on their credit report<\/strong><\/p><\/td>\n<td><p class=\"wp-block-paragraph\">Neutral to Negative: increases debt-to-income ratio<\/p><\/td>\n<td><p class=\"wp-block-paragraph\">May reduce their chances of getting approved for future loans<\/p><\/td>\n<\/tr>\n<tr>\n<td style=\"background-color: #E3F4FF\"><p class=\"wp-block-paragraph\"><strong>You default on the loan<\/strong><\/p><\/td>\n<td style=\"background-color: #E3F4FF\"><p class=\"wp-block-paragraph\">Negative: damages credit and they&#8217;re both equally responsible for repayment<\/p><\/td>\n<td style=\"background-color: #E3F4FF\"><p class=\"wp-block-paragraph\">Lender would pursue both applicant and co-applicant for full amount owed<\/p><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\n\n<h3 id=\"h-what-if-you-can-t-find-a-co-applicant\" class=\"wp-block-heading\">What if you can\u2019t find a co-applicant?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you can\u2019t find a co-applicant, you still have options including government aid programs like the&nbsp;<a href=\"https:\/\/www.csnpe-nslsc.canada.ca\/en\/home\" target=\"_blank\" data-dig-id=\"LP-98274-c3c8eb07\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Canada Student loans\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Canada Student loans<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/osap.gov.on.ca\/OSAPSecurityWeb\/public\/login.xhtml\" target=\"_blank\" data-dig-id=\"LP-98274-2ab8c680\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"provincial options like OSAP\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">provincial options like OSAP<\/a>, which offer interest-free loans and grants that don\u2019t require a co-applicant.<\/p>\n\n\n\n<h2 id=\"h-what-are-the-borrowing-limits-for-a-student-line-of-credit\" class=\"wp-block-heading\">What are the borrowing limits for a student line of credit?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Borrowing limits are determined by RBC based on your program of study, eligibility and financial needs:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.rbcroyalbank.com\/loans-line-of-credit\/student-loans\/undergrad-grad-students.html\" target=\"_blank\" data-dig-id=\"LP-98274-f6769022\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Undergraduate, graduate, college, or trade school\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Undergraduate, graduate, college, or trade school<\/a>:<\/strong>&nbsp;flexible limits starting at $5,000<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.rbcroyalbank.com\/loans-line-of-credit\/student-loans\/professional-programs.html\" target=\"_blank\" data-dig-id=\"LP-98274-a8ba322a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Professional programs (e.g., law, MBA, engineering)\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Professional programs (e.g., law, MBA, engineering)<\/a>:&nbsp;<\/strong>higher limits based on the program of study<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.rbcroyalbank.com\/healthcare-financial-solutions\/medical-dental-students.html\" target=\"_blank\" data-dig-id=\"LP-98274-1ed3ff6e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Medical and dental programs\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Medical and dental programs<\/a>:&nbsp;<\/strong>limits up to $400,000 based on program of study and associated costs<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-what-can-a-student-line-of-credit-be-used-for\" class=\"wp-block-heading\">What can a student line of credit be used for?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You can use your student line of credit for a variety of needs, including:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Tuition and fees<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Textbooks and supplies<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Rent and living expenses<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Transportation and travel<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Unexpected daily living expenses<\/p><\/li>\n<\/ul><br>\n\n\n\n<p class=\"wp-block-paragraph\">Keep in mind, you\u2019ll be asked to estimate the costs as part of your application. Use <a href=\"https:\/\/www.rbcroyalbank.com\/bank-accounts\/youth-student-banking\/budget-calculator.html?_gl=1*1rui7wo*_up*MQ..*_gs*MQ..&amp;gclid=CjwKCAjw1tLOBhAMEiwAiPkRHsF5lJyQKkN9o2hCIlTWUXQqEljzAesJv_r7n2rKz8OqbXplehknZhoCKNEQAvD_BwE&amp;gbraid=0AAAAAD6XomsGCvRsSq0ZK69vN_RcMnNu5\" target=\"_blank\" data-dig-id=\"LP-98274-d503add1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC\u2019s Student Budget Calculator\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">RBC\u2019s Student Budget Calculator<\/a> to estimate your individual needs and to get a better sense of your financial situation for the upcoming school year.<\/p>\n\n\n\n<h2 id=\"h-what-s-the-grace-period-for-student-loans-and-when-do-repayments-start\" class=\"wp-block-heading\">What\u2019s the grace period for student loans, and when do repayments start?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While you\u2019re in school, you\u2019re typically required to make interest-only payments. This helps keep your monthly payments lower while you\u2019re studying.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once you\u2019ve graduated, we give you a <strong>24-month grace period<\/strong> before you have to start paying back the principal (what you borrowed) and the interest. This gives you two years to get settled into your career before the full payments start. You can repay early at any time without penalty. Paying down your balance earlier can help reduce total borrowing costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Note that the 24-month grace period is not applicable for students enrolled in medical or dental programs. The medical and dental line of credit is lifetime revolving and would need to be repaid upon certain circumstances.<\/p>\n\n\n\n<h3 id=\"h-what-are-the-interest-rates-on-rbc-student-lines-of-credit\" class=\"wp-block-heading\">What are the interest rates on RBC student lines of credit?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">We offer competitive, variable interest rates that fluctuate as the <a href=\"https:\/\/www.rbcroyalbank.com\/rates\/index.html\" target=\"_blank\" data-dig-id=\"LP-98274-60c8e4d2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Prime Rate\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">RBC Prime Rate<\/a> changes. The interest rate is usually lower than credit cards, but higher than government loans.<\/p>\n\n\n\n<h2 id=\"h-what-to-consider-before-applying-for-a-student-line-of-credit\" class=\"wp-block-heading\">What to consider before applying for a student line of credit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A student line of credit gives you flexibility, but it comes with responsibility. Here are some things to keep in mind:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">A good rule of thumb is to only borrow what you need<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">One option is to use your government loan first and then use your line of credit as a back up<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Consider adding repayments to your monthly budgets<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Make small payments early if you can<\/p><\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-how-to-learn-more-about-a-student-line-of-credit\" class=\"wp-block-heading\">How to learn more about a student line of credit<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many high school graduates entering university have limited experience managing their own finances. When looking at offers for a student line of credit, many may ask themselves if there\u2019s a catch. That skepticism isn\u2019t something to overcome or ignore \u2013 it\u2019s a strength. It means they\u2019re &nbsp;thinking critically about their financial future and line of credit options.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cIt\u2019s good to research beforehand but having a conversation with someone can also help answer questions you may not even realize you have,\u201d says Jessica Lee, Senior Director of the Youth and Young Adult Segment at Royal Bank of Canada<em>.<\/em>&nbsp;\u201cSometimes students feel intimidated asking those questions or they worry about saying the wrong thing but having that conversation can help clarify what your options are.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With 21 to 24 per cent of young borrowers influenced by Reddit and online forums, financial literacy is more crucial than ever. That\u2019s why consulting an&nbsp;<a href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/find-an-advisor\" target=\"_blank\" data-dig-id=\"LP-98274-f10863b0\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC financial advisor\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">RBC financial advisor<\/a>&nbsp;should be a top priority for students.<\/p>\n\n\n\n<h3 id=\"h-questions-you-should-always-ask-before-applying-for-a-student-loc\" class=\"wp-block-heading\">Questions you should always ask before applying for a Student LOC<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Keep in mind that there are no wrong questions as you\u2019re trying to get the information you need to make the right choice for you.<\/p>\n\n\n\n<h4 id=\"h-about-costs\" class=\"wp-block-heading\"><strong>About Costs:<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">What&#8217;s the interest rate, and is it fixed or variable?<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">When does interest start? Do I pay interest while I&#8217;m in school?<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">What happens if I miss a payment?<\/p><\/li>\n<\/ul>\n\n\n\n<h4 id=\"h-about-flexibility\" class=\"wp-block-heading\">About Flexibility:<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Can I borrow as I need it, or is it a one-time amount?<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Can I pay it back faster without penalties?<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">What&#8217;s my grace period after graduation?<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">What happens if I take a break from school or switch programs?<\/p><\/li>\n<\/ul>\n\n\n\n<h4 id=\"h-about-requirements\" class=\"wp-block-heading\">About Requirements:<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Do I need a co-signer? What does that mean for them?<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">What credit score or credit history do I need?<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">What documentation do I need to apply?<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">How long does approval take?<\/p><\/li>\n<\/ul>\n\n\n\n<h4 id=\"h-about-the-fine-print\" class=\"wp-block-heading\">About the Fine Print:<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Are there any conditions or requirements to maintain the line of credit?<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">What can I use the money for? Are there restrictions?<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">How will this affect my credit score?<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">What are my options if I run into financial trouble?<\/p><\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-tips-on-qualifying-for-a-student-line-of-credit-in-canada\" class=\"wp-block-heading\">Tips on qualifying for a student line of credit in Canada<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As a student, there are ways to improve your odds of qualifying for a line of credit from whichever institution you decide to apply to. Here are some tips to maximize the chances of improving your financial situation as you earn your degree.<\/p>\n\n\n\n<ol class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Start your application early and meet key deadlines<\/strong><\/br>Getting approved for a student line of credit isn\u2019t just about meeting the basic requirements. You\u2019ll want to send your application before the deadline to give yourself breathing room for approval and activation in the subsequent month(s). Starting early means you can gather the appropriate documents without rushing and address any potential roadblocks before school bills arrive.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Understand your program\u2019s qualification requirements<\/strong><\/br>Your field of study directly affects your credit limit and interest rate. RBC offers three different line of credit options, aptly named \u201croyal credit line\u201d: for undergraduate and graduate students (starting at $5,000), professional studies programs ($5,000 to $140,000) and medical or dental programs (up to $400,000). Knowing which category you fall into helps set realistic expectations and allows you to prepare the correct documentation for your program.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Have your documentation ready before applying<\/strong><\/br>Preparation is the key to building confidence and having a strong application. Have your proof of enrollment ready, along with a detailed budget that demonstrates your need for the line of credit.<\/p>\n<p class=\"wp-block-paragraph\">If you\u2019re working while studying, gather your last two years of T4 slips or recent employment letter and pay stub. You\u2019ll also need your last two years of employment and education history with complete details like position, location, address and start dates.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Build your credit profile before applying<\/strong><\/br>Start building your credit early by making every payment on time, keeping your balances low and avoiding maxing out your limits. You can do so by setting up autopay or setting monthly reminders of upcoming deadlines.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Consider finding a qualified co-applicant<\/strong><\/br>As detailed earlier, a co-applicant with dependable income and credit can boost your chances of approval for a line of credit and should be seriously considered if your credit history is limited or you\u2019re studying outside of Canada.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Keep your accounts in good standing<\/strong><\/br>Your line of credit account must remain in good standing throughout the process. This means no missed payments, delinquent status or account holds. It\u2019ll demonstrate your ability to be responsible with a line of credit. Think of it as your ongoing commitment to financial health that extends from application through graduation and on.<\/p><\/li>\n<\/ol>\n\n\n\n<h2 id=\"h-how-to-calculate-your-student-loan-repayment-timeline\" class=\"wp-block-heading\">How to calculate your student loan repayment timeline<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Now that you\u2019ve been approved for a student line of credit, you should think about how you\u2019ll be able to manage this responsibility. Keep in mind that the amortization timeline depends on the balance at the end of the grace period.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Students have the flexibility to pre-pay without a fee, however their blended payment (post-grace period) will be automatically calculated and debited to their Personal Deposit Account (PDA). .<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Setting up a repayment timeline can make things easier for you, whether or not you struggle with finances.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Start with what you owe<\/strong>: Your repayment timeline begins with your total balance. Add up your student line of credit balance plus any government student loans you\u2019re carrying.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Know your interest rate<\/strong>: This will provide a clearer picture of where you stand with your debts.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Understand your grace period<\/strong>: You have breathing room after graduation as you\u2019ll generally get a grace period after finishing school. During this time, you pay only interest, not principal, giving you space to settle into your career.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\"><strong>Use RBC\u2019s tools to help do the math for you<\/strong>: Head to RBC&#8217;s Loan Calculator and plug in your balance, interest rate, and desired monthly payment to see exactly when you&#8217;ll be debt-free.<\/p><\/li>\n<\/ul><br>\n\n\n\n<h2 id=\"h-faq\" class=\"wp-block-heading\">FAQ<\/h2>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title4ff37e73\" class=\"collapse-toggle collapsed\" data-target=\"#accordion4ff37e73\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-98274-4ff37e73\" aria-controls=\"accordion4ff37e73\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Is a student line of credit better than a government student loan in Canada?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Is a student line of credit better than a government student loan in Canada?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion4ff37e73\" role=\"region\" aria-labelledby=\"accordion-title4ff37e73\"><div class=\"collapse-inner\">\n<p class=\"wp-block-paragraph\">Each serves a different purpose. Government student loans are given in one lump sum, and may include grants, with structured repayment schedules. A line of credit from a bank like RBC is more flexible but accrues interest immediately.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleea389402\" class=\"collapse-toggle collapsed\" data-target=\"#accordionea389402\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-98274-ea389402\" aria-controls=\"accordionea389402\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Do you have to make payments on a student line of credit while in school in Canada?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Do you have to make payments on a student line of credit while in school in Canada?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionea389402\" role=\"region\" aria-labelledby=\"accordion-titleea389402\"><div class=\"collapse-inner\">\n<p class=\"wp-block-paragraph\">Yes, but RBC tries to keep it manageable. While you&#8217;re in school, you only have to pay the monthly interest on the amount you\u2019ve actually used. This keeps your monthly costs lower while you&#8217;re studying, though it doesn&#8217;t chip away at the total amount you owe.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title79ef201b\" class=\"collapse-toggle collapsed\" data-target=\"#accordion79ef201b\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-98274-79ef201b\" aria-controls=\"accordion79ef201b\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How much can I borrow with an RBC student line of credit?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How much can I borrow with an RBC student line of credit?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion79ef201b\" role=\"region\" aria-labelledby=\"accordion-title79ef201b\"><div class=\"collapse-inner\">\n<p class=\"wp-block-paragraph\">The short answer? It depends on what you\u2019re studying and your financial situation. The limit a student qualifies for may be unique to their needs and specific program of education. For most general programs, limits start around $5,000. If you\u2019re heading into a professional field like medicine or dentistry, those limits can go as high as $350,000 to $400,000 to cover the heavier tuition and equipment costs<strong>.<\/strong><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title9d36941c\" class=\"collapse-toggle collapsed\" data-target=\"#accordion9d36941c\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-98274-9d36941c\" aria-controls=\"accordion9d36941c\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What credit score do I need to qualify for a student line of credit in Canada?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What credit score do I need to qualify for a student line of credit in Canada?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion9d36941c\" role=\"region\" aria-labelledby=\"accordion-title9d36941c\"><div class=\"collapse-inner\">\n<p class=\"wp-block-paragraph\">Many lenders look for a client with \u201cgood\u201d credit score in order to mitigate risk. However, if you have a qualified co-applicant with a \u201cgood\u201d credit score, this can significantly improve your chances even if your own credit history is limited. Building your credit before applying by making on-time payments and keeping balances low will strengthen your application.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This isn\u2019t the only metric that lenders or financial institutions base their decisions on when it comes to qualifying for a student line of credit. You\u2019ll have to speak to an advisor who can properly assess your overall financial situation.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title4c95a950\" class=\"collapse-toggle collapsed\" data-target=\"#accordion4c95a950\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-98274-4c95a950\" aria-controls=\"accordion4c95a950\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When should I choose a student line of credit over OSAP, savings, or part-time work?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When should I choose a student line of credit over OSAP, savings, or part-time work?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion4c95a950\" role=\"region\" aria-labelledby=\"accordion-title4c95a950\"><div class=\"collapse-inner\">\n<p class=\"wp-block-paragraph\">Every student has unique needs. If you don\u2019t qualify for a government student loan (ex: OSAP), if a government student loan won\u2019t cover all of your costs, if you haven\u2019t been able to save, or aren\u2019t able to work part-time during school, you may need a line of credit to help covers the costs of your education.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Use the&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/bank-accounts\/youth-student-banking\/budget-calculator.html\" target=\"_blank\" data-dig-id=\"LP-98274-135c7a56\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Student Budget Calculator\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Student Budget Calculator<\/a>&nbsp;to help estimate yearly costs or speak to an advisor to help determine if a line of credit may suit your needs. A line of credit may be particularly helpful for students in programs that come with higher-than-average tuition fees or require the student to study for longer; savings or government loans may not cover the full costs in these situations.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"wp-block-paragraph\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Paying for post-secondary education can be challenging, especially when savings and part-time work aren\u2019t enough to cover tuition and living costs. In those situations, a student line of credit can help bridge the gap.<\/p>\n","protected":false},"author":90,"featured_media":98281,"parent":57317,"menu_order":0,"template":"wp-custom-template-mmm-sticky-nav","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[517,510,85],"rbc_content_type":[31],"rbc_audience":[49],"rbc_lob_group":[507],"rbc_difficulty_level":[33],"rbc_mmm_category":[319,304,370],"class_list":["post-98274","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-budgeting","tag-credit-and-debt","tag-paying-for-school","rbc_content_type-article","rbc_audience-students","rbc_lob_group-loans","rbc_difficulty_level-beginner","rbc_mmm_category-credit-and-borrowing","rbc_mmm_category-money-academy","rbc_mmm_category-understanding-loans"],"acf":{"contently_publication_id":"","custom_author":"Royal Bank of Canada","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":[{"title":"What is a student line of credit?","url":"#h-what-is-a-student-line-of-credit"},{"title":"How to apply for a student line of credit?","url":"#h-how-to-apply-for-a-student-line-of-credit"},{"title":"Understanding co-applicants: What you need to know","url":"#h-understanding-co-applicants-what-you-need-to-know"},{"title":"What are the borrowing limits for a student line of credit?","url":"#h-what-are-the-borrowing-limits-for-a-student-line-of-credit"},{"title":"What\u2019s the grace period for student loans, and when do repayments start?","url":"#h-what-s-the-grace-period-for-student-loans-and-when-do-repayments-start"},{"title":"What to consider before applying for a student line of credit","url":"#h-what-to-consider-before-applying-for-a-student-line-of-credit"}],"rbc_toc_for_mmm_action":"Generate Table Of Contents"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Paying for post-secondary education can be challenging, especially when savings and part-time work aren\u2019t enough to cover tuition and living costs. In those situations, a student line of credit can help bridge the gap.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-loans\/what-you-need-to-know-about-student-lines-of-credit-in-canada\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"Paying for post-secondary education can be challenging, especially when savings and part-time work aren\u2019t enough to cover tuition and living costs. 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