Financial Aid for Canadian Students with Disabilities: A Complete Guide

This complete guide explains financial aid for Canadian students with disabilities. Navigating funding options can be challenging. We break down federal and provincial grants, scholarships, and bursaries created specifically for students with disabilities. You will learn about the Canada Student Grant for Services and Equipment for Students with Disabilities (CSG-PDSE), provincial programs, and how to apply successfully. Our goal is to help you access the financial support you need to achieve your educational goals.

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1. Government Grants & Loans: Your Financial Foundation

Government grants are often the first and most substantial source of funding. These programs are accessed through your provincial or territorial student aid application.

1.1 National (Federal) Programs for All Canadian Students

Important: The federal Canada Student Loans and Grants program is not available in Quebec, the Northwest Territories, and Nunavut. These jurisdictions run their own student financial assistance programs.

Canada Student Grant for Students with Disabilities (CSG-D)

Amount: $2,800 per year.
Purpose: A non-repayable grant that helps students with permanent disabilities with general education and living costs.
How to Apply: You are automatically assessed when you self-identify as having a permanent disability on your provincial or territorial student aid application. No separate form is required.
Official Website: https://www.canada.ca/en/employment-social-development/services/education/grants/disabilities.html

Canada Student Grant for Services and Equipment for Students with Disabilities (CSG-PDSE)

Amount: Up to $4,000 per academic year (up to $20,000 for multi-year programs).
Purpose: Covers disability-specific educational costs, including tutoring, note-taking, specialized software, and adaptive equipment.
How to Apply: Apply through your provincial/territorial student financial aid office as part of your overall student loan/grant application. A separate application for services and equipment is required.
Official Information: https://www.canada.ca/en/services/benefits/education/student-aid/grants/students-disabilities.html

Canada Student Grant for Services and Equipment (CSG-DSE)

Amount: Up to $20,000 per year.
Purpose: A critical grant for disability-related costs, providing funds for services like tutoring or equipment like adaptive software.
How to Apply: Requires a separate application. You apply through your province’s student aid office.
Official Information: https://www.canada.ca/en/services/benefits/education/student-aid/grants-loans/province-apply.html

Canada Student Grant for Full-Time Students (CSG-FT)

Amount: Up to $4,200 per year.
Note: Federal budget projections show this grant amount may be reduced for the 2026-2027 academic year.
Purpose: A needs-based grant for low- and middle-income students.
How to Apply: Eligibility is automatically assessed based on family income provided in your application.
Official Information: Canada Student Grants and Loans for Full-Time Students

Canada Student Grant for Part-Time Students with Disabilities (CSG-PTD)

Amount: Up to $1,800 per academic year.
Purpose: Assists part-time students with disability-related educational costs.
How to Apply: Apply through your provincial/territorial student aid office as a part-time student with a disability.
Official Information: https://www.canada.ca/en/services/benefits/education/student-aid/grants/part-time-students-disabilities.html

Canada Access Grant for Students with Permanent Disabilities

Amount: Up to $3,000 (one-time grant).
Purpose: A one-time grant to help students with permanent disabilities cover the initial costs of post-secondary education (like tuition, books, or first-time adaptive equipment).
How to Apply: Automatically assessed when applying for student aid through your province. No separate application is needed.
Official Information: https://www.canada.ca/en/services/benefits/education/student-aid/grants/students-disabilities.html

Important Note on Disbursement

How Funds Are Paid: Funds from grants like the CSG-PDSE and CSG-DSE are typically paid directly to your educational institution. The school’s financial aid or accessibility office then administers the funds to pay for approved services, equipment, or software on your behalf. You do not receive the cash directly for these specific grants.

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1.2 Provincial & Territorial Programs

Application systems vary. In most provinces, a single application to your provincial aid office assesses you for both federal and provincial funding.

Provinces

Territories

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2. Major National Scholarships and Awards

Rick & Amanda Hansen Scholarship:

Bank of Canada Scholarship:

Deloitte Canada Bloom Scholarship:

NEADS National Student Awards Program:

AMI Robert Pearson Memorial Scholarship:

A bearded man in a plaid shirt and blue jeans sits in a wheelchair, pointing at a book on a large bookshelf. He looks focused as he scans the many books behind him in what appears to be a library or bookstore.

3. Condition-Specific and Niche Scholarships

Many national charities provide targeted support. Use the NEADS searchable database as your primary tool to search for these and hundreds more.

AbbVie IBD Scholarship:

Lupus Canada Scholarship:

Canadian Hard of Hearing Association (CHHA) Scholarship Program:

SBHAC National Bursary Program:

Autism Ontario Scholarships:

CNIB Scholarships:

Kevin Collins Abilities Scholarship:

Emmy Duff Scholarship:

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4. Funding for Indigenous Students with Disabilities

Indspire Building Brighter Futures Program:

A group of students sitting on tiered seating, with one student reading Braille while others take notes and study nearby.

5. Repayment & Long-Term Support

Repayment Assistance Plan for Borrowers with a Permanent Disability (RAP-PD):

Registered Disability Savings Plan (RDSP):

Severe Permanent Disability Benefit:

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6. How to Build Your Financial Plan: Next Steps

Start with Your Provincial Application:

  • This is your most critical step.
  • Go to your province’s official student aid website and begin your application (OSAP, StudentAid BC, etc.) as soon as it opens.

Submit Separate Forms for Equipment Grants:

Use the NEADS Scholarship Database:

Search hundreds of awards tailored for students with disabilities at disabilityawards.ca.

Contact Your School’s Offices:

  • Your university/college’s Financial Aid Office and Accessibility Services Office are essential partners.
  • They can help with forms, deadlines, and inform you about institution-specific bursaries.

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Frequently Asked Questions (FAQs)

What is the Canada Student Grant for Students with Disabilities (CSG-PDSE)?
The Canada Student Grant for Students with Disabilities (CSG-PDSE) is a federal grant that provides up to $4,000 per academic year to cover exceptional education-related costs for students with disabilities. This can include specialized equipment, software, tutoring, and other support services not covered by standard financial aid.

Do I need to repay disability grants and bursaries?
No, most disability-specific grants and bursaries do not need to be repaid. The CSG-PDSE, provincial disability grants, and most scholarships/bursaries for students with disabilities are non-repayable. Always check the specific terms of each funding source, but generally, “grant” and “bursary” mean free financial aid.

What documentation do I need to apply?
You typically need:

  • Proof of disability (medical documentation or assessment from a qualified professional)
  • Proof of enrollment in a designated post-secondary institution
  • Completed financial aid application (through your province/territory)
  • Detailed cost estimates for required services or equipment
  • For provincial programs: additional forms specific to your province

Can I get funding for part-time studies?
Yes, many programs support part-time students. The CSG-PDSE, for example, offers pro-rated amounts for part-time enrollment. Provincial programs also often have part-time options. Be sure to indicate your part-time status on applications and check with your school’s accessibility office for specific part-time funding opportunities.

Where can I get help with my application?
Start with these key resources:

  • Your School’s Accessibility/Disability Services Office: They provide application assistance and documentation support.
  • Financial Aid Office: They help with the overall student aid application process.
  • Provincial Student Aid Website: Each province has detailed guides and contact information.
  • National Educational Association of Disabled Students (NEADS): Offers resources and advocacy for students with disabilities across Canada.

When should I apply for disability-related financial aid?
Apply as early as possible—ideally 2-3 months before your semester begins. Processing disability-related applications takes additional time due to required documentation review. Late applications may still be considered, but early submission ensures funding is in place when you start classes.

Don’t Forget

  • Bookmark this page for reference during your application process.
  • Contact your school’s financial aid and accessibility office—they are your best resource.
  • Explore more guides on scholarships and disability rights in Canada.

Funding amounts and program details are subject to change. Always refer to the official government and organization websites for the most current information before applying.

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