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Our guarantee
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|
Deadlines for full-time students |
|
| Your
academic year begins... |
Your
application deadline is... |
| January
|
November
15 |
| May |
March 15 |
| August
16 to September 30 |
July 15 |
| In
other months |
One
calendar month prior |
You must
complete the application for course reimbursement if you are applying for
course reimbursement as a:
To qualify
for NWTSFA, the student must:
To qualify
for course reimbursement, the student must:
• be
enrolled in an approved program that leads to a degree, certificate or diploma;
You are
considered to be a Northern indigenous Aboriginal resident if you meet at least
one of the following conditions:
Northern
indigenous Aboriginal residents can choose to receive their living allowance
assistance in the form of a:
Once you
decide how you want to receive your assistance, you will continue to receive
your assistance in this manner throughout the entire time you receive NWTSFA.
Since this decision may affect your income tax or repayment obligations, you
may want to consult a family member or an accountant before making your final
decision.
The type and
amount of assistance that you will receive as a Northern resident, schooled in
the NWT, will depend on whether you have:
In this
category, you are entitled to receive one semester of Basic Grant/Remissible Loan
benefits for each grade of 1 to 12 that you successfully completed as a
resident of the NWT.
You are
considered to be a Northern resident who was not schooled in the NWT if you are
not a Northern indigenous Aboriginal resident and you did not complete any of
grades 1 to 12 as a resident of the NWT.
The following
chart explains the eligibility of all full-time student categories.
|
Eligibility Chart |
|||
|
|
Northern Aboriginal resident |
Northern
resident/
schooled |
Northern resident/not schooled |
|
Basic
Grant |
|
|
|
|
Supplementary
Grant |
|
|
|
|
Remissible
Loan |
|
|
|
|
Health
and Social |
|
|
|
|
Services
Remissible Loan |
|
|
|
|
Repayable
Loan |
|
|
|
|
NWT
Study Grant for |
|
|
|
|
Students with Disabilities |
|
|
|
|
Course
Reimbursement |
|
|
|
|
NWTSFA
Scholarships * |
|
|
|
|
University/College
Entrance Preparation Program ** |
|
|
|
|
|
|
|
|
|
Scholarship
Foundation |
|
|
|
Under the Basic
Grant, you may be eligible to receive assistance for:
The Basic
Grant includes a travel benefit for you and your eligible dependent(s) to
travel from your permanent NWT residence and return to your permanent NWT
residence. Contact one of the travel agents nearest you listed below.
|
|
Rapid Travel |
|
|
Norman Wells
|
Rapid Travel |
|
|
|
Top of the World |
|
|
|
Aurora TPI Travel |
|
|
|
Top of the World |
|
|
|
Marlin Travel |
|
|
|
|
|
Please be
advised that there are restrictions on the travel benefit.
Both the
grant and the loan are intended to help you with the following expenses when
you are in school:
The amount
that you receive depends on the size of your family and whether your spouse has
an income of $500 or more per month.
This loan is
intended to help you with the following expenses when you are in school:
The maximum amount
that students can borrow is $1,100 per month and is based on:
You can apply
for this loan at any time during the school year as long as you have met a
NWTSFA application deadline.
The NWT Study
Grant for Students with Permanent Disabilities is intended to help you with any
educational expenses that are related to your permanent disability.
You can apply
for this benefit at any time during your academic year. You must provide a medical, or other approved assessment, regarding your
disability that describes the way in which it limits your full participation in
postsecondary studies.
You may be
eligible for a grant of up to $8,000 per academic year and can use this benefit
to cover up to 75% of the cost (up to $1,000) of a learning disability
assessment and to assist with exceptional educational expenses.
The GNWT’s Department of Health and Social Services and
NWTSFA have a remissible loan intended to assist and encourage students to
enroll in social work and nursing programs at
If you are
enrolled in any year of
Nursing
If you are
enrolled in a social work or nursing program at an approved postsecondary
institution in
Nursing outside
of the NWT
The Health
and Social Services remissible loan is paid in two equal amounts over two semesters
of the academic year. The maximum a student can receive is up to $16,000 in
total.
You may
receive reimbursement for certain educational postsecondary expenses if you are
enrolled in a full-time distance learning course at a private institution,
attending part-time or employed full-time and therefore not eligible for
full-time benefits. You can be reimbursed for expenses such as:
You are
required to provide receipts to verify your expenses. Each full credit course
can be reimbursed up to $500, to a lifetime limit of $5,000.
To determine
the amount you will be reimbursed, we will need to know:
Under course
reimbursement, the NWT Study Grant for Students with Permanent Disabilities is
intended to help with educational expenses that you may have that are related
to your permanent disability.
You can apply
for this benefit at any time during your academic year. You must provide a medical, or other approved assessment, regarding your
disability that describes the way in which it limits your full participation in
postsecondary studies.
You may be
eligible for a grant of up to $1,000 per full credit course and can use this
benefit to cover up to 75% of the cost (up to $1,000) of a learning disability
assessment and to assist with exceptional educational expenses.
The following table provides NWTSFA benefits
at a glance.
|
Benefits Table |
Assistance for full-time students |
|||||
|
Basic Grant |
•
Up to $1,750 for tuition and fees per semester • Up to $300 for books
per semester • Return travel to the nearest institution |
|||||
|
Supplementary
Grant/Remissible Loan |
Single |
Single
Parent |
Dependent
Spouse |
Non-Dependent
Spouse |
||
|
Single
living with parents |
$300 |
N/A |
N/A |
N/A |
||
|
Single
student living alone |
$700 |
N/A |
N/A |
N/A |
||
|
0 dependents |
N/A |
N/A |
$900 |
$700 |
||
|
1 dependent |
N/A |
$1,100 |
$1,100 |
$900 |
||
|
2 dependents |
N/A |
$1,300 |
$1,300 |
$1,100 |
||
|
3 dependents |
N/A |
$1,500 |
$1,500 |
$1,300 |
||
|
Each
additional dependent |
N/A |
$50 |
$50 |
$50 |
||
|
Repayable
Loan |
Up to $1,100 per month |
|||||
|
NWT Study
Grant for Students with Permanent Disabilities |
Up to $8,000 per academic year |
|||||
|
Health & Social Services
remissible loan |
||||||
|
Nursing
and Social Work |
1st and
2nd year $3,000 3rd and 4th year $5,000 |
|||||
|
Assistance for course
reimbursement students |
|
|
Reimbursement
|
Up to
$500 per course |
|
NWT Study
Grant for Students with Permanent Disabilities |
Up to $1,000 per full credit
course |
We determine
your eligibility for benefits based on all the personal information you provide.
Changes in that information may affect the benefits you receive. Ensure your
application is completed accurately. Inform us immediately in writing of all
changes during your academic year, such as:
You may be
asked to verify your status as an indigenous Aboriginal student. If requested,
please submit Form F, Indigenous Aboriginal Verification.
If you are
planning on studying outside of the NWT for a period of 90 days or more, and
plan to return to the NWT when you complete your studies:
You may still
be covered under your parent(s) dental insurance if you are under
21 years of age. You can also look into other insurance through your school or
a private company.
While you are
a full-time student, you are still considered to be a resident of the NWT, even
if you are attending school outside of the NWT.
• Contact
the province/territory where you will be studying. You may not need to change
your address or transfer your license.
ECE staff can
assist you with career counseling, information on budgeting, managing your
time, peer pressure and coping with stress. The career development staff can
also provide information, resources and advice to help
you successfully plan for your future.
Paying
tuition fees
For students
attending
It is
important that you keep track of the money you borrow because you will have to
repay a student loan just as you would a loan from a bank.
As a
full-time student you can access a maximum of 20 semesters of funding under the
program. This is generally equal to ten years at a college or university. (For
this purpose, we began counting semesters
Within the 20
semesters of funding, eligible students can receive up to 12 semesters of their
funding as a basic grant and supplementary grant or remissible loan and up to
$47,000.00 in remissible and/or repayable loans.
|
Maximum semesters of funding table
|
|||||||||||||||||||
|
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
11 |
12 |
13 |
14 |
15 |
16 |
17 |
18 |
19 |
20 |
|
Maximum
grant or remissible loan assistance |
Repayable loan |
||||||||||||||||||
Complete Form
E, Payment and Financial Transaction Authorization, located at the back of this
Student Guide so that we can either electronically deposit your monthly
assistance into your bank account or mail it to your permanent address in the
NWT.
If you do not
have a bank branch in your community, contact the bank of your choice using
their toll-free number listed in your local telephone book and find out how you
can open a bank account.
Your initial
financial assistance payment will be deposited:
Please keep
in mind that you will be responsible for paying all your expenses (exception
may be made for travel) prior to your first day of school.
You may only
receive a portion of your monthly living allowance during the first or last
month of your semester. See how it works on the next page.
|
Calendar days
|
Monthly living
|
|
in a
month |
allowance |
|
0 - 4 |
$0 |
|
5 - 14 |
Half a Month |
|
15 or
More |
Full Month |
Some schools
offer programs that consolidate a number of years into one or two years or allow
students to take more than a full course load. The NWTSFA Program cannot
provide additional benefits for these programs. For example, you cannot receive
two tuition payments for one semester.
Students may
be enrolled, or required to participate, in a co-op program or practicum. If
your institution considers you a full-time student, and you are not employed
full-time, you may be eligible for full-time financial assistance. Contact the
NWTSFA office for more information, or visit www.nwtsfa.gov.nt.ca
If your
institution recognizes you as a full-time graduate student, you may still be
eligible for assistance. Contact NWTSFA for more information.
The Student
Enrollment Form, Form D, must be completed by all full-time postsecondary and
University/College Entrance Preparation (UCEP) Program students.
The NWT
Access to Information and Protection of Privacy Act protects the personal
information you provide to us. If you wish to have someone access your NWTSFA
information you will need to complete and sign the Consent for Release of
Information, Form B for each year you receive NWTSFA.
The
information you provide us may be reviewed to confirm your eligibility for
benefits. Any new information will affect the assistance you receive from
NWTSFA.
If you
received a Remissible Loan, your loan maybe forgiven if you:
The rate at
which your loan will be forgiven depends on where you reside in the NWT after
you finish school. The new rates of remission became effective in the 2003-04
academic year and cannot be applied to prior academic
periods.
|
Three
month forgiveness rate |
If you live in ... |
|
$1,000 |
|
|
|
|
|
$2,000 |
Aklavik, |
|
|
Holman, |
|
|
Paulatuk, Rae-Edzo,
|
|
|
Tsiigehtchic, Tuktoyaktuk, Tulita, Wekweti, Wha Ti or Wrigley |
Students who
received Remissible Loans, and did not successfully complete the required percentage
of a full course load, may receive one semester of remission under the grace
period.
The grace
period is valid for only one semester during your lifetime. If two or more
semesters are unsuccessful during the academic year, the first semester is
eligible for the grace period.
You may be
eligible for interest relief or reduced loan payments if you are temporarily
unable to repay your student loan because of low income.
Your loan repayment
term varies depending on the total amount you borrow. For example, if you
borrow between $20,000 and $25,000, you will have a maximum of 7 years to
repay. An extension may be given for an additional 5 years, to a maximum of 12
years. Or your monthly loan payments must increase to meet the 7 year payment
term.
Please refer
to our website for information on these programs and to download the
application to apply for interest relief or reduced loan payments.
You may be
suspended from NWTSFA for a period of one or more years if you;
If you
believe program staff incorrectly applied the NWTSFA Act, Regulations or
Policies in determining your eligibility for benefits, please contact our
office and ask to have your application reassessed. If you are still not
satisfied, you can appeal the decision.
First level
appeals are heard through an Internal Review. Their mandate is to ensure that staff have applied the NWTSFA Act, Regulations and Policies
correctly.
Second level
appeals are heard by the NWT Student Financial Assistance Appeal Board. The
board’s mandate is to ensure that the Internal Review applied the Act, Regulations
and Policies correctly. You may attend the second level appeal if you wish. You
can have legal representation, have someone act as an advocate or have someone
speak on your behalf.
Neither
appeal group can act outside of the NWTSFA legislation. Regulations do not
allow for appeals regarding: scholarships, UCEP, Millennium Bursaries and loan
remission/repayment.
If you
receive financial assistance in the form of a grant you will receive a T4A
income tax receipt outlining the amount of the grant that must be declared on
your annual income tax return. Currently, grants that First Nations students
receive are exempt under federal taxation legislation.
Loans are not
considered income and are therefore not reported on your income tax return.
However, you may be able to claim the annual interest paid as a deduction on
your income tax return and will receive an official tax receipt from NWTSFA.
For more
information on NWTSFA and how it affects your annual income tax return, please
contact the federal government’s Canada Revenue Agency. Refer to your
local telephone book for a listing of the telephone number.
The
assistance provided by the NWTSFA Program is just one option to
consider when deciding how to finance your education. You will
find
there is other funding available to you from sources such as:
For a list of
the scholarships, internship opportunities, and financial aid available to
postsecondary students, please visit the NWTSFA website.
NWTSFA
scholarships are intended to recognize your academic success of a prior year
and to provide you with assistance to further pursue your future studies.
To qualify
for NWTSFA scholarships, you must:
we will require an official letter from your institution
indicating an equivalent grade or percentage.
|
NWTSFA Scholarships Table
|
||
|
Scholarship
Type |
Grade |
Scholarship Value |
|
High
School |
80% |
$1,000 |
|
Undergraduate
|
A- |
$2,000 |
|
Masters
|
A- / B- |
$5,000 |
|
Doctorate
|
B- |
$10,000 |
NWTSFA also
administers the Canadian Millennium Scholarship Foundation’s (CMSF) Bursary
Program. Approximately 125 awards of $3,000 each are available to eligible NWT
students each year. Eligibility is based on financial need and academic merit.
You may be
eligible for a bursary during the winter semester if you:
If you have
been chosen to receive a bursary, you will receive a letter from the CMSF
before the end of the calendar year and the bursary will be deposited into your
account within your second semester. Students who are not eligible to receive
the bursary will not be contacted.
The CMSF
administers the Excellence Awards program for high school students. For more
information about this scholarship, please contact your local high school, the
foundation at
NWTSFA
manages the University/College Entrance Preparation (UCEP) program on behalf of
the Department of Indian Affairs and Northern Development, Government of
Canada. The UCEP grant provides assistance to Treaty Indian and Inuit students
who require two semesters of upgrading to access a postsecondary education.
There is a
limited amount of UCEP funding available. We encourage you to apply well before
the July 15 deadline. Applications are approved on a first come, first serve
basis. You must include all of the following:
If you are
denied because all UCEP funding has been allocated, you will be put on a
waiting list and contacted if funds become available during the academic year.
To be
eligible to receive UCEP benefits, you must:
As a UCEP
student, you may be eligible to receive the following types of assistance:
More
information on the UCEP program can be found at the following website
http://www.ainc-inac.gc.ca/ps/edu/ense_e.html.
There are
many other types of support that can help you be successful while you are going
to school such as counselors, medical staff, student services and Aboriginal
liaison coordinators. Your high school, college or university counselors can
help you contact any of these support staff.
The Northern Student
Education Initiative (NSEI) is a program that helps NWT students attending
postsecondary schools and training programs in the
Support is
provided and may include:
The NSEI
advisor can be contacted at:
Northern
Student Education Initiative NAIT Office E-134 11762-106 Street
As a student,
you may also be eligible for a childcare subsidy. For more information, contact
your local Career or Canada/NWT Service Centers in the NWT or speak to student
services at the institution you are attending.
If you are interested in summer employment or you are returning to a college or university program in the fall or winter, and have proof of registration, the GNWT may have a summer job for you. The Northern Student Employment Program runs May 1 to August 31. For more information and to apply online, go to www.NorthWISE.ca
The Northern
Graduate Employment Program helps NWT graduates find that all-important first
job and gain work experience and skills in or outside the public service.
Deadline for applications is January 15 each year. Here are some of the
features of this program:
Send or fax
your resumes for the summer employment program or the after graduation program
to:
Executive
Director-
P.O. Box
1320Yellowknife, NT, X1A 2L9 Fax