Student Loans

Every source, in one place

The authority behind every figure on this site, the date a person checked it, and a plain account of what the datasets do not cover.

United States, federal rules

  1. Repayment plans and important definitions, U.S. Department of Education. Checked on . Backs which plans are open to which borrowers from 1 July 2026; the Tiered Standard term brackets and its $50 minimum; the effect of a single post-cutover disbursement on all of a borrower's loans.
  2. Income-driven repayment plans, U.S. Department of Education. Checked on . Backs the IBR, PAYE and ICR formulas and forgiveness horizons.
  3. Court actions affecting income-driven repayment, U.S. Department of Education. Checked on . Backs the status of SAVE after the 10 March 2026 order; the 1% automatic debit reduction; that income-driven payment counters are not currently displaying.
  4. Reimagining and Improving Student Education (RISE): Federal Student Loan Program, final regulations, Office of the Federal Register. Checked on . Backs the regulation implementing the plan changes, effective 1 July 2026.
  5. The Repayment Assistance Plan in P.L. 119-21 (IF13075), Congressional Research Service. Checked on . Backs the statutory basis for the plan.
  6. Interest Rates for Federal Direct Loans First Disbursed Between July 1, 2026 and June 30, 2027 (GENERAL-26-33), U.S. Department of Education, Federal Student Aid. Checked on . Backs the 6.52%, 8.07% and 9.07% rates for 2026-27; the statutory add-ons and caps; the 12 May 2026 Treasury auction high yield of 4.468%.
  7. Interest rates and fees for federal student loans, U.S. Department of Education. Checked on . Backs the 1.057% and 4.228% origination fees; that the published fees run only to 30 September 2027; the 5% rate on outstanding Perkins loans.
  8. How does interest accrue while I am in school?, Consumer Financial Protection Bureau. Checked on . Backs that private loan capitalization is set by contract rather than by regulation.
  9. Regulation Z, section 1026.47, private education loan disclosures, Consumer Financial Protection Bureau. Checked on . Backs the disclosure requirement at application, approval and consummation.
  10. Public Service Loan Forgiveness, U.S. Department of Education. Checked on . Backs the 120 qualifying payments and which plans qualify; that Tiered Standard payments do not qualify; the qualifying and non-qualifying employer categories; that the vacated employer rule has no effect.
  11. Teacher Loan Forgiveness, U.S. Department of Education. Checked on . Backs the $17,500 and $5,000 amounts and who each applies to; the five complete and consecutive years requirement; that the same service cannot count towards PSLF.
  12. Total and Permanent Disability discharge, U.S. Department of Education. Checked on . Backs the three qualification routes; the automatic discharge through quarterly data matches; the three-year monitoring period and that a VA-based discharge has none.
  13. Closed School discharge, U.S. Department of Education. Checked on . Backs the 180-day window and the automatic discharge one year after closure; the refund of payments and deletion of adverse credit history.
  14. 2026 Poverty Guidelines, U.S. Department of Health and Human Services. Checked on . Backs poverty guideline for household sizes 1 through 8; the increment for each person beyond 8; separate schedules for Alaska and Hawaii.

Canada, federal rules

  1. Canada Student Loan forgiveness for family doctors and nurses, Employment and Social Development Canada. Checked on . Backs the three tiers, their maximums and the amount for each year of service; the seventeen eligible occupations; the twelve-month and ten-month service requirements and the 400-hour minimum; the eligible community definition and the parallel legacy definition.
  2. Canada Student Grants and Loans, Employment and Social Development Canada. Checked on . Backs the grant maximums and the income thresholds they are read against; the private for-profit institution restriction from 1 August 2026.
  3. Government of Canada extends financial supports for post-secondary students, Employment and Social Development Canada. Checked on . Backs the $300 weekly loan maximum for 2026-27; that the uplift expires on 31 July 2027; the 60% federal share of assessed need.
  4. Interest-free loans for students, effective 1 April 2023, Employment and Social Development Canada. Checked on . Backs the permanent elimination of federal interest on 1 April 2023.
  5. Repayment Assistance Plan, Employment and Social Development Canada. Checked on . Backs the federal zero-payment monthly income thresholds by family size; the 10% cap on the affordable payment; the six-month application period; the 15-year horizon, and 10 years for a borrower with a disability.
  6. Pay back OSAP, Government of Ontario. Checked on . Backs Ontario's separate zero-payment thresholds; Ontario's 20% cap on the affordable payment; the Stage 1 and Stage 2 structure; interest on the Ontario portion at prime plus one percent.
  7. The Repayment Assistance Plan (backgrounder), Employment and Social Development Canada. Checked on . Backs the reduction of the affordable payment cap from 20% to 10% in November 2022.
  8. RESP contributions, Canada Revenue Agency. Checked on . Backs the $50,000 lifetime contribution limit per beneficiary; the absence of an annual contribution limit; the 1% a month tax on excess contributions.
  9. How much could you get from education savings incentives, Employment and Social Development Canada. Checked on . Backs the 20% basic Canada Education Savings Grant on the first $2,500; the additional grant rates and the income thresholds they are read against; the $7,200 lifetime grant maximum; the Canada Learning Bond amounts and the $2,000 lifetime maximum.
  10. Pay for education using the RESP, Employment and Social Development Canada. Checked on . Backs the $8,000 cap on Educational Assistance Payments in the first 13 weeks of full-time study; the $4,000 cap per 13 weeks of part-time study.
  11. Prime rate, series V80691311, Bank of Canada. Checked on . Backs the 4.45% prime rate the provincial floating rates are computed from.

Canada, provinces and territories

  1. Pay back OSAP, Government of Ontario. Checked on . Backs interest on the Ontario portion at prime plus one percent; that grace period interest is capitalized; the 9.5-year amortization and its extension; Ontario's separate repayment assistance thresholds and 20% cap.
  2. Prime rate, series V80691311, Bank of Canada. Checked on . Backs the 4.45% prime rate the provincial floating rates are computed from.
  3. Eliminating interest on B.C. student loans, Government of British Columbia. Checked on . Backs the elimination of provincial interest on 19 February 2019.
  4. Student financial assistance allowances, 2026/27, StudentAid BC. Checked on . Backs the weekly loan maximums and the B.C. Access Grant amounts.
  5. B.C. increases student financial aid, eases repayment, Government of British Columbia. Checked on . Backs the August 2023 alignment with the federal repayment assistance rules.
  6. Interest rates for student loans in repayment, Alberta Student Aid. Checked on . Backs the CIBC prime rate on Alberta loans since 1 July 2023.
  7. Repaying your student loan, Alberta Student Aid. Checked on . Backs the twelve-month interest-free grace period; the two-servicer arrangement.
  8. What's new, Alberta Student Aid. Checked on . Backs the increase in the minimum student contribution to $3,000; the reinstatement of parental and spousal contributions for 2026-27.
  9. Repaying your student loan, Gouvernement du Quebec. Checked on . Backs the rate at prime plus half a percent; that the loan is held by a participating financial institution; the grace period and the capitalization of grace period interest.
  10. Deferred payment plan, Gouvernement du Quebec. Checked on . Backs the six-month renewable periods and the 60-month lifetime maximum.
  11. Loan repayment options, National Student Loans Service Centre. Checked on .
  12. How student aid funding works, Employment and Social Development Canada. Checked on . Backs which jurisdictions are integrated, parallel, or run separate programmes; that Quebec, the Northwest Territories and Nunavut issue no federal student aid.

Datasets collected automatically

  1. College Scorecard, most recent institution-level data, U.S. Department of Education. Figures describe 2025-26. Collected automatically on , so nobody checked this row by hand.
  2. Tuition and Living Accommodation Costs survey (record 3123), Statistics Canada. Figures describe 2025/2026. Collected automatically on , so nobody checked this row by hand.

What the institution data leaves out

Currently operating, degree-granting at associate or bachelor's level, main campus, with a reported cost of attendance.

That is $2,434 institutions from $6,273 rows. Excluded: $30 no longer operating, $3,326 not degree-granting, $310 branch campuses duplicating their parent's figures, and $173 reporting no cost at all.

What the Canadian tuition data leaves out

  • The Northwest Territories and Nunavut are absent, because the survey covers publicly funded degree-granting institutions and neither territory has one.
  • British Columbia associate degrees are excluded from the survey.
  • There is no accommodation-cost table. Every published TLAC cube is tuition and compulsory fees, so residence and meal-plan costs are not available here.

Statistics Canada Open Licence. Reuse, including commercial reuse, is permitted with acknowledgement of the source.

Where sources disagreed

Two official pages give different annual maximums for the Canada Student Grant for Full-Time Students, $4,200 federally and $6,300 from Ontario. Both are right: the real cap is $525 a month, so the annual figure depends on the length of the study period. This site publishes the monthly rate.

The Department of Education's page on disability discharge still implies those discharges became taxable in 2026. They did not; the exclusion was made permanent for death and disability. This site does not follow the Department's table on that point, and says so on the page.

The Department's page on closed school discharge and the analysis of the 2025 statute disagree about which rules govern. This site presents the Department's published consumer-facing rule and flags the conflict rather than picking silently.

The same statute is called the One Big Beautiful Bill Act by one part of the Department and the Working Families Tax Cuts Act by another. It is Public Law 119-21 either way.