Scotia Professional® Student Plan has been the leading student financial solution for the past 10 years. It’s designed specifically to meet the unique financial needs and goals of attaining your accreditation on qualifying professional study programs. An invaluable part of the Plan is that it includes financial guidance from a dedicated Small Business Specialist on how to finish your education with manageable debt.

We can help you:

1. Finance your education.
Plan ahead to make sure you find the money you need to cover educational and living expenses. We’ll help you arrange all of the credit you’ll need from day one of your post-graduate studies until you graduate. You can benefit from preferred borrowing rates and have access to your funds seven days a week, 24 hours a day.

2. Manage your cash flow and establish your credit rating.
We'll show you how to choose the right solutions for each borrowing need you have. Borrow what you need when you need it and establish your credit rating. A Scotia Professional Student Plan Line of Credit, for example, is the most convenient way to borrow precisely what you need – automatically – to manage your cash flow, while reducing your borrowing costs.

3. Repay your student debt comfortably.
You can defer loan interest payments while in school, provided you're within your credit limit. Make sure the repayment of your student loan is not a burden during your transition from student to working professional. We have flexible options including a 12-month, repayment grace period after your studies have ended. You start making principal payments when your income increases as a professional.