TABLE OF CONTENTS

VISION, MISSION, MANDATE, LEGAL MANDATE

EXECUTIVE SUMMARY

CHAPTER 1. INTRODUCTION

CHAPTER 2. BACKGROUND

A. CANADA STUDENT LOAN REGIMES

In-Study Loans

Loans In-Repayment

B. ROLES AND RESPONSIBILITIES

C. PROGRAM ACTIVITIES AND LOGIC

D. EXTERNAL FACTORS INFLUENCING PERFORMANCE

Other Government Student Financial Assistance Measures

E. PROGRAM ENHANCEMENTS IN THE 2004-2005 LOAN YEAR

Integration of Canada Student Loans and New Brunswick Student Loans

2004 Federal Budget

2005 Budget

F. MANAGING RISK

Designation of Educational Institutions

Financial Audits

CHAPTER 3. DEMOGRAPHIC PROFILE OF CANADA STUDENT LOAN BORROWERS

A. BORROWERS BY MARITAL STATUS

B. BORROWERS BY AGE

C. BORROWERS BY GENDER

D. BORROWERS BY STUDY LEVEL

E. MOBILITY: WHERE BORROWERS GO TO STUDY

Mobility by Institution Type

CHAPTER 4. CANADA STUDENT LOAN DISBURSEMENTS

A. FULL-TIME LOANS

Full-Time Loans by Province or Territory

Full-Time Loans by Institution Type

B. PART-TIME LOANS

Part-Time Loans by Province or Territory

Part-Time Loans by Institution Type

C. CANADA STUDY GRANTS

Students with Dependants

Students with Permanent Disabilities

High-Need Students with Permanent Disabilities

High-Need Part-Time Students

Females Pursuing Doctoral Studies

CHAPTER 5. MANAGING THE REPAYMENT OF LOANS

A. CANADA STUDENT LOAN INDEBTEDNESS

Indebtedness by Province/Territory

Indebtedness by Institution Type and Age

Indebtedness by Gender and Institution Type

B. INTEREST RELIEF

Interest Relief Recipients by Institution Type

Interest Relief Recipients by Gender

Interest Relief Recipients by Age

C. DEBT REDUCTION IN REPAYMENT

In-Depth Study “ Interest Relief Utilization

CHAPTER 6. PROGRAM RESULTS

A. COMMITMENT TO ACCESSIBILITY

B. A POSITIVE LOAN EXPERIENCE

C. INCREASED AWARENESS

Awareness of and Familiarity with the Canada Student Loans Program

CanLearn

D. CANADA STUDENT LOAN DEFAULTS

Three-Year Direct Loan Default Rate

Default Prevention The Pre-Consolidation Counselling Program

CHAPTER 7. FINANCIAL DATA

A. CANADA STUDENT LOAN CONSOLIDATED FINANCIAL TABLES

Reporting Entity

Basis of Accounting

Specific Accounting Policies

APPENDICES

APPENDIX A: CANADA STUDENT LOAN PORTFOLIO

APPENDIX B: BORROWERS BY MARITAL STATUS

APPENDIX C: BORROWERS BY AGE

APPENDIX D: BORROWERS BY GENDER

APPENDIX E: BORROWERS BY STUDY LEVEL

APPENDIX F: BORROWER MOBILITY FROM PROVINCE TO PROVINCE

2002-2003 and 2003-2004 Loan Years

APPENDIX G: FULL-TIME LOANS BY INSTITUTION TYPE

APPENDIX H: PART-TIME LOANS BY PROVINCE/TERRITORY AND INSTITUTION TYPE

APPENDIX I: CANADA STUDENT LOAN INDEBTEDNESS

APPENDIX J: INTEREST RELIEF

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© Her Majesty the Queen in Right of Canada 2007
Cat. No.: HS45-2005
ISBN: 978-0-662-49749-3