The deadline to apply for Continuation of Interest-Free Status for students registered in the fall term only is November 30, 2018

What is Interest-Free Status?

Interest-Free Status allows you to postpone repaying your loans while you are registered as a full-time post-secondary school student. The Government of Canada and/or the Province of Ontario will pay the interest on those loans on your behalf. To get it, you must notify the National Student Loan Service Centre (NSLSC) of your continued full-time enrollment in post-secondary studies.

Applying for CIFS

Once classes begin for your new study period, log into your account at and complete and submit a Continuation of Interest-Free Status application. Carleton will review your application and confirm your enrolment to the Ministry. If the information is complete and valid, the ministry will inform the NSLSC.

CIFS Deadline

It is critical that you submit the CIFS application to your school in enough time for it to be approved and processed within 6 months from the end of your last term. In the case of students who left school in April and are starting a new term in September, the CIFS application should be submitted no later than October 15. If you delay, you may not get full interest-free status and you may be required to pay some interest. A CIFS application is not valid if submitted after the end of your current study period. The date of the CIFS application cannot be made retroactive.


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