Canada Student Loans Program
Service Provider Re-procurement
APPENDIX D3: NEWFOUNDLAND AND LABRADOR SPECIFIC FUNCTIONAL
REQUIREMENTS
NOTE: The 2014 Newfoundland Budget announced the phasing out of NL Loans starting in 2015-16 and
replacing them with up-front, non-repayable grants (with further details described in the appendix). This
will have an impact on the requirements if implemented.
Stream 1: Application, authentication and enrolment confirmation
5.1.4.1 Electronic Identity Verification
Newfoundland currently validates basic personal information with the SIN registry at ESDC.
Newfoundland clients have a username and password to access a secure NF web portal.
Newfoundland will align with the CSLP identity verification approach.
5.1.4.1 Generation and Electronic Signature of Student Financial Assistance Agreements
Newfoundland will align with the SP generation and electronic signature of student financial assistance
agreements approach.
5.1.4.3 Pre-disbursement Enrolment Confirmation or Confirmation of PT-performed Enrolment
Confirmation
Students studying outside of Canada and at Memorial University (MUN) will have enrolment confirmed
prior to SFSD sending the entitlement file to the SP. The SP will be responsible for obtaining confirmation
of enrolment for all other students using an online ECE portal once the entitlement file is received.
Once the SP has validated the CoE request with a designated institution, the SP will request the funds
from the Province and CSLP to disburse to the students and/or the EIs.
SFSD confirms enrolment for all out of country students. Once the completed confirmation of enrolment is
received at SFSD, it will be processed. These confirmed enrolments will be included in the next
entitlement file to be sent to the SP. The SP will request funds from the province and CSLP to disburse to
the students and/or EIs.
5.1.4.5 Part-time Student Financial Assistance Planning
NL does not have a provincial part-time loan or grant program. NL administers the CSLP part-time
program using the current CSLP provided application form. NL will communicate part-time loans and
grants entitlements to the SP by the entitlement file.
Stream 2: Disbursement
5.2.3.1 Processing entitlement files
Once a student loan application is successfully assessed and the MSFAA processed by the Service
Provider, an ECE record will be created by SFSD and sent electronically to the Service Provider in a
nightly batch file. This file will include a list of all student entitlements for whom a valid MSFAA is on file,
whose PSCD is within 21 days, and identity which of the students NSLSC must obtain confirmation of
enrolment for.
Newfoundland sends the entitlement file daily.
Page 1 of 11
CSLP Service Provider Re-procurement
APPENDIX D3: NEWFOUNDLAND AND LABRADOR SPECIFIC FUNCTIONAL REQUIREMENTS
5.2.3.2 Updating disbursement restrictions and disbursement authorizations
Newfoundland checks their restriction list at time of application. SP only applies CSLP restrictions.
5.2.3.3 Authorized disbursement requests to PWGSC
Newfoundland will review with the successful Bidder to align their specific requirements.
5.2.3.4 Integrated provincial approvals and fund transfers
NL will specify requirements under their individual contract requirement appendices.
5.2.3.6 Provincial Disbursements to Clients and Schools
Individual EIs will establish EFT processes with the SP. The disbursement to clients will be part of the
MSFAA process in obtaining banking information. Issuing a cheque should only be a last resort.
Newfoundland would like set timelines for how long it will take the SP to issue authorized disbursements.
As tuition refunds are generated at the EI level currently at the ECE web portal, this functionality needs to
be maintained. Electronic fund capabilities between the SP and the EI needs to be in place.
NL has grants that are to be disbursed the same as NL loans and is open to remittance by EIs.
Stream 3: Client Information at the Service Provider
5.3.3.3 Authorized delivery partner tools for complex case review and management
NL is supportive of online tools to access the information that is key to resolving complex cases.
Stream 4: In-study Account Management
5.4.3.2 Confirmation of enrolment processes updating and confirming study periods, and ad hoc
study period adjustments
Electronic Confirmation of Enrolment
The SP will be responsible for obtaining confirmation of enrolment for all students except for students
attending MUN/MI and out of country. SFSD will obtain confirmation of enrolment for MUN/MI student via
a direct electronic link between MUN and SFSD. Students attending out of country EIs will be mailed a
paper confirmation of enrolment which they must have completed by their EI and returned to the SFSD
office.
SFSD will create an electronic file and forward to the SP; this file will identify the students for whom the
SP must request confirmation of enrolment for and students for whom SFSD have already obtained
confirmation for.
For the students whose enrolment has already been confirmed by SFSD, the SP will request funds from
the province and CSLP to disburse to the students and/or the EIs.
For students who the SP is required to obtain confirmation of enrolment, they will send an electronic file to
each EI via the secure web portal requesting confirmation of enrolments.
5.4.3.3 Administration and Application of Client Account Restrictions
The SP assists NL in managing files which are in default – RTGs, CRA and rehab.
Page 2 of 11
CSLP Service Provider Re-procurement
APPENDIX D3: NEWFOUNDLAND AND LABRADOR SPECIFIC FUNCTIONAL REQUIREMENTS
Stream 5: Establishment and Administration of Repayment
5.5.3.2 Documenting repayment term details
NL is aligned with Canada for all aspects of repayment terms except interest rates. Newfoundland does
not charge interest on Newfoundland loans.
Stream 6: Repayment Management Measures
NL is fully aligned with CSLP on all repayment management measures.
5.6.3.2.1 Client applies for RAP (Stage 1, Stage 2 or RAP-PD)
NL is aligned with the CSLP RAP.
5.6.3.9 Integrated Provincial Remission-Based Programs
Newfoundland and Labrador Debt Reduction Grants
This program allows for up to the full amount of the provincial portion of a student loan to be converted
into a non-repayable grant. There is no application process. Students are automatically assessed after
the Student Financial Services Division receives notification that the student has graduated.
Eligibility

Successfully complete at least 80% of a full course load each semester or academic year as
determined by the school;

Apply and are deemed eligible for loan assistance for at least half of the required length of the
program** and borrow in excess of $165 per week of study during a semester or academic year;
and

Within 10 years after the program start date, graduate from a post-secondary program within the
province that is at least 80 weeks in duration.
NL Early Childhood Education Grant
No application is required. The Student Financial Services Division will notify you if you meet the eligibility
requirements. If you qualify, the outstanding balance of the provincial loan borrowed while you were
studying Early Childhood Education will be forgiven by converting into a non-repayable grant upon
confirmation that you have met all requirements.
Eligibility:





Graduate from an approved Early Childhood Education program within the province;
Have applied and been deemed eligible for assistance for at least half of the required length of
the program;
Borrow more than $165 per week of study during a given semester;
Completed the program within the normal length of the program plus a grace period of up to one
academic year (two semesters); and
Obtain full-time employment (at least 30 hours per week) in a licensed family home or child-care
centre within the province for a period of at least 24 months.
Page 3 of 11
CSLP Service Provider Re-procurement
APPENDIX D3: NEWFOUNDLAND AND LABRADOR SPECIFIC FUNCTIONAL REQUIREMENTS
OPERATIONS RULES
LEGISLATION AND
POLICY
Student Financial
Assistance Act of
Newfoundland and
Labrador
IT REQUIREMENTS
FINANCIAL
SPECIFICATIONS
Receipt of payments against
outstanding principal prior to
start of repayment.
Repayment schedules to be
adjusted accordingly.
Stream 11: Client Information Exchanges, Reporting and Analytics Capacity
There are a number of current reports including financial statement type reports as well as a performance
portfolio report from the SP that NL would like to keep as a minimum.
Page 4 of 11
CSLP Service Provider Re-procurement
APPENDIX D3: NEWFOUNDLAND AND LABRADOR SPECIFIC FUNCTIONAL REQUIREMENTS
LIST OF NEWFOUNDLAND AND LABRADOR STUDENT AID LOANS AND GRANTS
1
General Eligibility Requirements
Same as Canada Student Loan Program
Course-Load Requirements
Provincial Student Loan
To receive a provincial student loan, students must be taking at least 80% of a full course load. (The
educational institution will determine the percentage of a full course load that students are taking.) This
requirement may be reduced to 60% of a full course load upon submission of a Reduced Course Load
Request Form for the following students:
1. A single parent who has a child (or children) under 12 years of age and who: is carrying at
least 60% of a full course load that includes at least one university credit course requiring lab time
in addition to regular classroom time; or has a child (or children) with special needs; or has other
personal circumstances that merit special consideration.
2. A student who has:
o a severe medical condition; or
o recently experienced a trauma that merits special consideration; or
o other documented extenuating circumstances.
Students with Permanent Disabilities:
 Same as Canada Student Loan Program
Provincial assistance
Depending on the assessed need, students may be eligible to receive up to $140 per week of study in
provincial loans and grants.
Newfoundland and Labrador Student Loans
For 2013-14, the first $60 of the $140 weekly maximum provided by the province is in the form of a
repayable student loan. For 2014-15, the first $40 of the $140 weekly maximum provided by the province
is in the form of a repayable student loan. For 2015-16 and beyond, no loans and all grant to a maximum
of $140 per week. For out of province students enrolled in programs deemed not eligible for the enhanced
grant, the first $60 of the $140 weekly maximum provided by the province is in the form of a repayable
student loan




1
NL will be maintaining a dual provincial Loans program and a grants program for students in
specific situations – i.e., those attending programs of study at EI’s outside the Province which are
offered in the province;
NL will be maintaining the potential for all students to have a repayment mechanism for
the Loans program under a conversion system when ineligible grants are converted to repayable
student loans;
The current disbursement process forces 2 disbursements for every student for every period of
study – i.e., NL student loans at the beginning of the semester followed by NL student grants at
the half-way point; once the full system of grants are implemented in 2015, only one
disbursement will occur (planned for the beginning of the semester) per period of study for the
majority of students.
Mathematically, a 50% reduction in the number of disbursements would not be an unreasonable
expectation. However, the cash value of the disbursements is not expected to grow greatly.
For Newfoundland and Labrador’s loan and grant volumetrics, see Appendix B: Portfolio Volumetrics.
Page 5 of 11
CSLP Service Provider Re-procurement
APPENDIX D3: NEWFOUNDLAND AND LABRADOR SPECIFIC FUNCTIONAL REQUIREMENTS
Newfoundland and Labrador Up-Front Grant
For 2013-14, if the assessed need for the provincial portion (i.e., 40%) exceeds $60 per week, the
remaining amount (up to a maximum of $80 per week) will be issued in the form of a non-repayable grant.
For 2014-15, if the assessed need for the provincial portion (i.e., 40%) exceeds $40 per week, the
remaining amount (up to a maximum of $100 per week) will be issued in the form of a non-repayable
grant.
For 2015-6 and beyond, the assessed need for the provincial portion (i.e., 40%) will be in the form of a
grant.
Provincial grants will be issued at the start of classes with all other forms of assistance. There is no
separate application for the grant; eligibility is determined when students apply for a student loan for fulltime studies. This grant will be deposited directly into their bank account by the NSLSC.
Note: For 2013-14, eligible Memorial University medical students can receive up to $200 per week
in provincial assistance; $110 in loans and $90 in grants.
For 2014-15, eligible Memorial University medical students can receive up to $200 per week in
provincial assistance; $75 in loans and $125 in grants.
For 2015-6 and beyond, eligible Memorial University medical students can receive up to $200 per
week in provincial assistance, all in the form of grants.
Newfoundland and Labrador Debt Reduction Grants
This program allows for up to the full amount of the provincial portion of a student loan to be converted
into a non-repayable grant. There is no application process. Students are automatically assessed after
the Student Financial Services Division receives notification that the student has graduated.
Eligibility
Students are eligible for a Debt Reduction Grant if:
 successfully complete at least 80% of a full course load each semester or academic year as
determined by the school;
 apply and are deemed eligible for loan assistance for at least half of the required length of the
program** and borrow in excess of $165 per week of study during a semester or academic year;
and
 within 10 years after the program start date, graduate from a post-secondary program within the
province that is at least 80 weeks in duration.
Early Childhood Education Grant
No application is required. The Student Financial Services Division will notify you if you meet the eligibility
requirements. If you qualify, the outstanding balance of the provincial loan borrowed while you were
studying Early Childhood Education will be forgiven by converting into a non-repayable grant upon
confirmation that you have met all requirements.
Students qualify if:
 graduate from an approved Early Childhood Education program within the province;
 have applied and been deemed eligible for assistance for at least half of the required length of the
program;
 borrow more than $165 per week of study during a given semester;
 completed the program within the normal length of the program plus a grace period of up to one
academic year (two semesters); and
 obtain full-time employment (at least 30 hours per week) in a licensed family home or child-care
centre within the province for a period of at least 24 months.
Page 6 of 11
CSLP Service Provider Re-procurement
APPENDIX D3: NEWFOUNDLAND AND LABRADOR SPECIFIC FUNCTIONAL REQUIREMENTS
Repayment Assistance Plan (RAP)
 Same as Canada Student Loan Program
Loan Forgiveness Program (provincial program)
If a borrower has a permanent disability and is experiencing exceptional hardship repaying their loan, due
to their disability, the borrower may apply to have their loan forgiven under the Permanent Disability
Benefit (PDB) and/or the Loan Forgiveness Program.
PDB is a federal program and will consider federal student loans. Borrowers must contact the NSLSC and
request an application for PDB. The NSLSC will transfer the call to the CSLP Client Relations and a PDB
application package will be forwarded directly to the borrower. Completed applications must be returned
to CSLP.
Loan Forgiveness is a provincial program which generally follows the direction of the federal government.
Only in cases of non-integrated loans will borrowers be required to submit a separate application. This
application can be obtained by contacting SFSD .
Eligibility
To qualify for both programs, borrowers must meet two specific eligibility criteria:
 meet the definition of permanent disability; and
 be experiencing exceptional financial hardship with their repayment obligations due to their
disability.
CSLP or SFSD will determine a borrower’s financial ability to repay their loan by taking into account a
borrower’s net family income which includes employment earnings, investments, financial assistance
through social programs and monetary gifts. Uninsured medical expenses are taken into consideration.
In addition to the eligibility criteria listed above, there are specific criteria borrowers must meet depending
on the type of loan they have:
For federal loans negotiated prior to August 1st, 1995:
 permanent disability may occur at any time (prior to, during, or following post-secondary studies)
For federal loans negotiated, for full-time students, between August 1st, 1995 and July 31, 2000:
 permanent disability must have occurred before the first day of the seventh month from the end of
the last confirmed period of study.
For federal loans negotiated, for part-time students, between August 1st, 1995 and July 31, 2000:
 permanent disability must have occurred before the day on which the borrower entered into a
loan agreement with the lender(s) (financial institution(s)).
For federal and provincial (Integrated) loans negotiated on or after August 1st, 2000:
Federal Requirement:
 permanent disability may occur at any time (prior to, during, or following post-secondary studies).
Provincial Requirement:
 permanent disability may occur at any time prior to the borrower entering repayment.
For non-integrated provincial loans prior to August 1, 2000:
 the permanent disability must have occurred at any time prior to the borrower entering
repayment.
Page 7 of 11
CSLP Service Provider Re-procurement
APPENDIX D3: NEWFOUNDLAND AND LABRADOR SPECIFIC FUNCTIONAL REQUIREMENTS
LIST OF CURRENT INFORMATION EXCHANGES BETWEEN CSLP, NEWFOUNDLAND AND THE
2
SERVICE PROVIDER
REPORT OR
FILE
EXCHANGE
DESCRIPTION
FREQUENCY
FORMAT
Weekly (Tuesday)
Zipped file
containing text file.
The text file
extension is a
sequence number +
2 each week
Master Student Financial Assistance
Agreement Sent file. New agreements to
be signed.
Also falls under Process Stream 3
Master Student Financial Assistance
Agreement Received file. Agreements
that have been signed by students and
received by SP.
Provincial Restricted file
Also falls under Process Stream 8
Daily (weekdays)
Text
File extension is
.001
Daily (weekdays)
Text
File extension is
.001
Monthly (5th
business day)
Text
File extension is
.001
Process Stream 1 - Application and Enrolment Confirmation
PCSLS.PNL.R
To NL from
Federal Restricted List
ESTR.LIST.Dy
CSLP
Also falls under Process Stream 8
yyyyddd.###.zi
p
PCSLS.PNL.R
ESTR.LIST.Dy
yyyddd.###
PPNL.EDU.MS
FA.SENT.yyyy
mmdd.001
To SP from NL
PEDU.PNL.MS
FA.REC.yyyym
mdd.001
To NL from SP
PEDU.PNL.NF.
RESTRICT.Dyy
yymm.001
To NL from SP
PPNL.EDU.NL
SPFII.Dyyyydd
d.001
To SP from NL
NL SPFII file
Service Provider Financial Institution
Interface File
Weekly (Wednesday)
Text
File extension is
.001
NL####.OS
To Bathurst NB
SIN
Registry from
NL
To NL from
Bathurst NB
SIN Registry
SINs to be Validated file
Daily (weekdays)
Text
File extension is .OS
Validated SINs file
Daily (weekdays)
Text
File extension is .IS
To NL from
Bathurst NB
SIN Registry
Validated SINs file
Daily (weekdays)
Text
File extension is
.ISR
Daily (weekdays)
Text
File extension is
.001
Daily (weekdays)
Text
File extension is
.001
NL####.IS
NL####.ISR
Process Stream 2 - Disbursement Origination and Flow
PEDU.PNL.EC To NL from SP Entitlement Feedback file
ERTSFB.Dyyyy
Also falls under Process Stream 3
mmdd.001
PEDU.PNL.DIS
.Dyyyyddd.001
To NL from SP
Daily Disbursement file
2
See Appendix F2: Provincial/Territorial File Layouts for a complete description of Newfoundland and
Labrador’s file layouts.
Page 8 of 11
CSLP Service Provider Re-procurement
APPENDIX D3: NEWFOUNDLAND AND LABRADOR SPECIFIC FUNCTIONAL REQUIREMENTS
REPORT OR
FILE
EXCHANGE
DESCRIPTION
FREQUENCY
FORMAT
PPNL.EDU.CE
RTS.Dyyyyddd.
001
To SP from NL
Entitlement file
Daily (weekdays)
Text
File extension is
.001
PEDU.PNL.GR
CON.yyyymmd
d.001
To NL from SP
Adjusted Canada Student Grant file
Monthly (last Govt
workday for month)
Text
File extension is
.001
Daily
Disbursement
File
Email
Indicates loans approved on the previous
day, which SLC must send wire transfer
payment for.
Daily
Excel
Daily (weekdays)
Text
File extension is
.001
Daily (weekdays)
Text
File extension is
.001
On Request
Encrypted text file
Process Stream 3 - Initiating the Service Provider/Client relationship
PPNL.EDU.MS To SP from NL Master Student Financial Assistance
FA.SENT.yyyy
Agreement Sent file. New agreements to
mmdd.001
be signed.
Also falls under Process Stream 1
PEDU.PNL.EC To NL from SP Entitlement Feedback file
ERTSFB.Dyyyy
Also falls under Process Stream 2
mmdd.001
Process Stream 4 - Account management during studies
HT.PHT#@@0 To CRA from
Request for tax returns
0.R7005.IN.NL
NL
ST.P#####.ent
PNLST#####.e
nt
To NL from
CRA
Tax Return Output file
On Request
Encrypted text file
PPNL.EDU.GR
ADJ.yyyymmdd
.001
To SP from NL
Adjusted Canada Student Grant file
Monthly (3rd govt
business day of each
month)
Text
File extension is
.001
PCSLS.PNL.C
ASHED.CSL.yy
yymmdd.CSV
To NL from
CSLP
Cashed File
Weekly (Tuesday)
Text
File extension is .csv
Process Stream 5 - Setting up repayment and repayment management
PEDU.PNL.TA
PE.NF.Dyyyyd
dd.001
To NL from SP
Loan Transmissions
Monthly
Text
File extension is
.001
PEDU.PNL.AC
T.Dyyyyddd.00
1
PEDU.PNL.PS
ED.yyyymmdd.
001
To NL from SP
NL Monthly Reporting
Activity/Transaction File
Monthly
To NL from SP
Period of Study End Date File
Weekly (Tuesdays)
Text
File extension is
.001
Text
File extension is
.001
Process Stream 6 - Repayment assistance programs
PEDU.PNL.SP
To NL from SP Daily Repayment Assistance Program file
RAP.Dyyyyddd.
Daily (weekdays)
Text
File extension is
Page 9 of 11
CSLP Service Provider Re-procurement
APPENDIX D3: NEWFOUNDLAND AND LABRADOR SPECIFIC FUNCTIONAL REQUIREMENTS
REPORT OR
FILE
EXCHANGE
DESCRIPTION
FREQUENCY
001
FORMAT
.001
PEDU.RAP.CN
TL.D20130821.
txt
GTIS
Details all loans that go through full RAP
processing. IR consistent RAP loans are
not included
Daily
Text file
PEDU.PNL.SP
RAP.M201321
2.001.txt
GTIS
Details all loans that go through full RAP
processing. IR consistent RAP loans are
not included.
Monthly
Text file
Return to Government Integrated
Collections File
Also falls under Process Stream 9
Weekly (Tuesday)
Text
File extension is
.001
Indicates the payments that have been
received by the Service Provider and sent
to SLC.
Daily
Excel
To NL from
CSLP
Federal Restricted List
Also falls under Process Stream 1
Weekly (Tuesday)
Zipped file
containing text file.
The text file
extension is a
sequence number +
2 each week
To NL from SP
Provincial Restricted file
Also falls under Process Stream 1
Monthly (5th
business day)
Text
File extension is
.001
Weekly (Tuesday)
Text
File extension is
.001
Process Stream 7 - Collections
PEDU.PNL.RT
To NL from SP
G.Dyyyyddd.00
1
Daily
Remittance
Email
Process Stream 8 – Bankruptcy
PCSLS.PNL.R
ESTR.LIST.Dy
yyyyddd.###.zi
p
PCSLS.PNL.R
ESTR.LIST.Dy
yyyddd.###
PEDU.PNL.NF.
RESTRICT.Dyy
yymm.001
Process Stream 9 - Other Return to Government processes
To NL from SP Return to Government Integrated
PEDU.PNL.RT
G.Dyyyyddd.00
Collections File
1
Also falls under Process Stream 7
NL-Provincial
Portfolio
Management
Report (201306).pptm
Designation
File – eg.
PEDU.PNL.DS
GNJUL13
Monthly
Portfolio Report
NL (Jun
13).xlsx
PEDU.PNL.ZE
ROINTERESTJ
un302013.csv
Email
A power point overview of the portfolio
Monthly
Power point
GTIS
Details of all loans – active and
cancelled.
Monthly
Text File
Email
Portfolio overview
Monthly
Excel
GTIS
Details all loans with CIBC
Quarterly
CSV
Page 10 of 11
CSLP Service Provider Re-procurement
APPENDIX D3: NEWFOUNDLAND AND LABRADOR SPECIFIC FUNCTIONAL REQUIREMENTS
REPORT OR
FILE
EXCHANGE
DESCRIPTION
FREQUENCY
FORMAT
Monthly
Financial
Information
Schedule
NL FIS From
D+H Apr 2013
to Mar 2014.xls
The MFIS is sent by SP to SLC to inform of the performance of the current student loan portfolio for a given
month. This is sent in two files, as per below, and includes information re. Disbursements, collections,
RAP, RTG, write-offs, PD and Other.
Email
Summarized version of the financial
information
Monthly
Excel
PEDU.PNL.July
2013.xls
GTIS
Details of all financial transactions for the
month for the full portfolio
Monthly
Excel
Page 11 of 11