Gouvernement du Québec — Aide financière aux études
Quebec residents apply here, not to OSAP. Loans plus non-repayable bursaries, with the bursary share rising as family income falls.
Published by G Paul · last checked September 1, 2026
AFE (Aide financière aux études) is Quebec's provincial student financial assistance program, administered by the Ministère de l'Enseignement supérieur. Because Quebec is opted out of the federal Canada Student Financial Assistance program, this is the single provincial channel for Quebec residents — Quebec students do not apply to OSAP or any other province's aid system. The Programme de prêts et bourses (Loans and Bursaries Program) is the flagship: AFE assesses your financial need, issues a loan up to a calculated ceiling, and awards any unmet need above that ceiling as a non-repayable bursary. The ratio of loan to bursary varies by household income — students with the lowest family income receive the highest bursary proportion, while students closer to the income cutoff receive mostly loans. The program covers full-time secondary vocational training, CEGEP, undergraduate, and graduate studies. Roughly 175,000 Quebec students receive AFE support each year. You can usually apply starting in May for the school year that runs from September 1 to August 31, and you have up to 30 days after your last month of study in that school year to submit your application. Apply ahead of time so your aid is ready when the school year starts. Aid covers tuition, mandatory fees, living costs, and transportation, with the allowance structure varying by whether you live with parents, live independently, or have dependants.
You qualify for the Programme de prêts et bourses if you meet four conditions: (1) Quebec residency — deemed a resident of Quebec for student aid purposes (the standard test is 12 months of continuous residence in Quebec for a reason other than full-time studies, though specific categories like being born in Quebec or having parents/spouse residing in Quebec can satisfy the rule through a different path); (2) Immigration status — Canadian citizens, permanent residents, protected persons (refugees), and certain other categories defined in the Regulation respecting financial assistance for education expenses are eligible; international students on study permits are generally not eligible; (3) Enrolled full-time in a recognized Quebec educational institution (secondary vocational training centre, CEGEP, college, or university), or in a recognized program outside Quebec under the Loan for Studies Abroad provision; (4) Satisfactory academic progress in good academic standing.
This is what the award's official page said when we last checked. Rules change, so confirm on the award's official page before you apply.
Check you meet every requirement, and note each document they ask for.
We don't have a confirmed date for this round. The award's official page will have it.
Use the Apply on the official site button on this page: it opens the official application page in a new tab.
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No. You need to be a Canadian citizen, permanent resident or protected person.
FundMyCourse.ca · checked Sep 1, 2026
$10,000–$14,000+/year combined loan and bursary
fundmycourse.ca/scholarships/afe-loans-and-bursaries-program-programme-de-pr-ts-et-bourses