From the library
Guides and explainers on student finance in Canada.
Canada Student Grant vs. Loan
A Canada Student Grant is free money you keep. A Canada Student Loan is borrowed money you repay. One application gets you both automatically.
How to Claim Your Tuition Tax Credit
Your school issues a T2202 every year to confirm your eligible tuition. Here's how to use it to claim your tuition tax credit and what to do if you don't owe any tax yet.
How to Afford Textbooks
Textbooks can cost $500 to $1,000+ per year. Most students overpay. Here's how to find free versions, buy used, rent, and use your library before spending full price.
FHSA for Students
The FHSA gives you a tax deduction when you contribute and tax-free withdrawals when you buy a home. No other account in Canada does both. Here's how it works and why students should open one now.
How to Get Your First Credit Card
A credit card is the fastest way to start building credit history in Canada. Here's how to pick the right student card, get approved, and use it without getting into trouble.
How OSAP Works
OSAP gives Ontario students both federal and provincial aid through one application. Here's what you actually get, who qualifies, and how repayment works.
Student Line of Credit vs. Loan
Government student loans are cheaper and come with protections a bank can't match. A student line of credit fills the gap when government funding runs out. Here's how to decide.
How to Budget on a Student Income
Your income is low and irregular, but that's exactly why budgeting matters now. Here's how to track your money, pick a system, and build habits that stick.
TFSA for Students
A TFSA lets your money grow tax-free and you can withdraw anytime with no penalty. For most students, it's the right first account to open. Here's how it works.
How to Build Credit from Scratch
You don't start with a credit score in Canada. Here's how to go from no credit history to a usable score, whether you're a student or a newcomer.