Student Loans

Students needing financial support for their living and tuition costs should apply for their student loan as soon as possible, even if your MITT application is not 100% complete. Apply to MB Student Aid as early as possible to make sure your loan is approved and processed for the start of classes.

Tips from MITT:

  • MB Student Aid is the best option to cover all of your study and living costs. A government loan should be considered before applying for a bank loan.
  • A student loan is a critical part of your time management plan that can reduce the time you spend at a part-time job while studying. More time = Higher grades!
  • There are a large number of grants and bursaries (free money!) that can only be accessed through a government loan. You may not have to repay signifiant portions of your funding when you graduate from MITT!
  • Apply early and ask for help if you need it! MITT Student Advisors are available all summer to help you through the loans process. If you are confused or something doesn’t seem right, just call or email us for help.

Please contact MITT Student Services at or 204 989 6512 to talk to a Student Advisor about loans and your financial plan.

Student Loans

The ideal situation is to pay tuition and living costs with personal savings and/or family support. This is ideal, but not always possible. However, lack of financial resources doesn;t have to be a barrier to entering full-time studies and starting your career training. 

The best option for students to cover their tuition and living expenses while studying is a government student loan issued through their province of residence (usually MB Student Aid).

Government loans are easy to apply for online, take all study and living costs into account, and automatically link students to grants and bursaries that do not need to be repaid. When it comes time to repay your government student loan, the interest rate and payment options are very flexible and affordable compared to other types of lenders.

"I don't want to be in debt when I graduate. I will just keep my job while studying." Our experience shows that more than 15 hrs/week at a job dramatically reduces the amount of time available for study and success in an MITT program. Finances, time management and successful grades are closely related and one usually impacts the other. A student loan provides money so you can study instead of working a job.

"I thought I had enough saved but my situation changed after classes started. Can I still apply for a government loan?" Yes. Students can apply for a student loan even if their program has already started and up to 45 days before it is finished. If you experience an emergency or your personal situation has changed, a student loan is your best option to keep you in class and on track.

Applying for a Government student loan

Eligibility Requirements

To be eligible for a government student loan, full-time students must:

  • Be a Canadian citizen, permanent resident, or designated as a Protected Person
  • Be a permanent resident of a province/territory that issues Canada Student Loans (ie. Manitoba)
  • Demonstrate financial need
  • Maintain satisfactory attendance during studies
  • Pass a credit check if you are 22+ years of age and applying for the first time
  • Maintain satisfactory grades if you have received a government loan in the past

Where To Apply

Students must submit their loan application to their province of residence. Manitoba residents can apply online at Students from other provinces can find their online application with a quick Google search.

For further information, students can also visit the Canada Student Loans website at

When To Apply

Students should apply for their loan as early as possible or approximately 2 months before the first day of class. Applying late is not a major problem, but late applications might result in not paying tuition on time or not being able to afford living expenses until later.

Manitoba Student Aid typically posts the online application for the fall/winter school year on June 1 each year.

Recommended application time frames by MITT start date:

  • September program start = Apply no later than July 1
  • February program start = Apply no later than December 1
  • May program start = Apply no later than February 1

Did you apply late? If you provide MITT Finance a copy/scan of the "My Award Information" page from your MySAO/MB Student Aid portal showing your loan amounts, you will not be charged late fees or lose your seat in your program.

Students should not hesitate to ask for help from MITT Student Services if they have questions or concerns about their loan or student finances. We want to help!

Contact us today and we will be more than happy to help you with any questions or concerns you have.

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