NSLSC Login and Account: How to Manage Your Canada Student Loan Online

NSLSC login: your National Student Loans Service Centre account is now reached through My Service Canada Account (MSCA). Since May 25, 2025, the old NSLSC username and password no longer work, so if you haven’t signed in since then, you register for MSCA first and then link your student loan. Once you’re in, the NSLSC account is where you check your balance, set up or change payments, apply for repayment assistance and download your interest tax slip. (Source: NSLSC.)

This guide walks through the account. How federal and provincial loans fit together in each province is on the student loans hub.

Which loans are in your NSLSC account

The NSLSC administers Canada Student Loans everywhere they’re issued. In provinces with integrated loans it also handles the provincial loan, so the account shows both balances and one monthly payment. Three cases differ:

• Quebec: Quebec students have no NSLSC loan. Quebec loans are repaid to the bank that issued them; see Quebec student loans.
• Nova Scotia: the Nova Scotia loan is managed by Resolve; only the Canada loan is in the NSLSC account. See Nova Scotia student loans.
• Prince Edward Island: the PEI loan is administered by Edulinx; see PEI student loans.

Manitoba’s provincial loans moved to the NSLSC on July 1, 2023, so Manitoba borrowers repay both parts there (Manitoba student loans). If you have both full-time and part-time loans, or loans from two provinces, they are repaid on separate schedules.

Signing in for the first time

1. Go to the NSLSC website and choose Sign In to Your NSLSC Account.
2. Register for My Service Canada Account if you don’t have one, and sign in with it.
3. Link your student loan to the account using the details the registration asks for.
4. Check your banking information and contact details, since payments come out of the account on file.

Doing this before your six-month non-repayment period ends matters: your repayment notification arrives in the NSLSC account’s inbox, and payments start to be withdrawn automatically after the six months from the bank account where your loan was deposited, if you set up direct deposit. (Source: NSLSC, stages of a loan.)

What you can do in the account

Extra payments. The federal part has charged no interest since April 1, 2023, so an extra payment on it saves no interest; on an interest-bearing provincial part it does. Which part to pay first is covered in how to pay off student loans, and the student loan repayment calculator shows the effect.

Repayment assistance. The Repayment Assistance Plan is applied for in the account and approved six months at a time; it can bring the payment to $0 below an income threshold. Reapplying before each period ends keeps it in place.

Interest Paid statement. It shows the interest you paid during the year, including in the non-repayment period, for the student loan interest credit on line 31900 of your tax return. With the federal part interest-free, the interest on it comes only from a provincial part or from years before April 1, 2023.

If you miss payments

Missed payments can hurt your credit rating. After 270 days (nine months) without payment, the loan is in default and is sent to the Canada Revenue Agency or your province for collection; tax refunds can then be applied to it and you lose access to new student aid until the loan is rehabilitated. The steps, and the way back, are in what happens if you can’t pay your student loan. Forgiveness for doctors, nurses, teachers and other occupations in rural communities is also applied for in the account; see student loan forgiveness in Canada.