Student Information

Student Information about receiving funds from your RESP

Whether you’re a student in university, college, or planning to take a 10-week training program, we have information to help you make the most of your RESP.  This includes information about program eligibility, important processing dates, helpful instruction sheets and more.  You can also register for password-protected access into our secure site to request or delay an EAP or track the status of your payment.

What is an RESP?

An RESP is an investment that is designed specifically to help with the costs of education. One of the advantages of an RESP is that government grants boost the savings further. Contributions can be withdrawn from your RESP at the time you attend post-secondary school to help cover tuition and associated education costs.

What is an EAP?

An EAP is a payment made directly to students from an RESP once you are enrolled in a post-secondary program. The EAP includes government grants that were collected on your behalf and accumulated income earned in your RESP. You will need to provide proof of enrolment in an eligible program in order to receive your EAP.  Acceptable proof or enrolment is an enrolment letter or confirmation of enrolment.  Alternatively, you may ask the Registrar to complete the verification of enrolment section on the EAP Withdrawal Form

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In a Family Group or Classic Plan? November 1 is an important date.

Once you’ve enrolled in an eligible program, you will be responsible for requesting an EAP by providing proof of enrolment. The deadline to respond is November 1st if you are in the Family Group or Classic Plan.  The sooner you apply, the sooner you will receive your money.  If you are not going to school this year, you will have to delay your EAP in order to remain eligible next year.   November 1st is also the deadline to delay your EAP.

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Login now to request or delay your EAP online

Get your EAP faster with Direct Deposit

It’s easy to sign-up to receive your Education Assistance Payment via direct deposit.  You can attach a void cheque when requesting your EAP or you can complete the New Direct Deposit/Pre-authorized transaction form available at your financial institution.  In order to receive a direct deposit, you must be a Canadian Resident, be the sole account holder and have your name pre-printed on the cheque.

Benefits of Direct Deposit include:

  • Convenient – No unnecessary trips to the bank to deposit your cheque.  Your EAP is quickly deposited into your Canadian bank account.
  • Safe and Secure – Unlike cheques, there is no risk your payment can get lost, stolen or damaged.
  • Fast – There won’t be delays due to unforeseen delivery issues.  As soon as your EAP is issued, it is deposited into your bank account.

Customer Service

Family and Classic plans:
Toll Free: 1 800 363-7377
TTY: 1 877 694-7944
Monday to Friday
8AM to 8PM EST
Contact us

Flex First plans:
Toll Free: 1 800 363-7377
TTY: 1 877 694-7944
Monday to Friday
9AM to 6PM EST
Contact us

For Heritage Plans:

Toll Free: 1 800 739-2101
Monday to Thursday
8:30AM to 9PM EST
8:30AM to 6:30PM EST
Contact us


Program Eligibility

To take advantage of the government grants in your RESP, you must be enrolled in a qualifying program when funds are withdrawn.

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As a student, you can request your EAP online

Login to our secure site to request or delay your EAP online. Or track the status of your payment.

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Forms & Resources

We’re here to help

If you have any questions about withdrawing funds from your RESP from Knowledge First Financial, please contact our Customer Service team.

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