Aide financière aux études - Your file |
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How to consult/print a statement of account
The function Consult/Print the statement of account enables you to view all the accounting entries relating to one or more components of your student debt for a given period.
You may choose dates other than those found in the dropdown list in order to select the period to be covered by your statement of account.
If you do not select a date and you only click on Submit, your statement of account will include all the accounting entries appearing in your account.
- Start date
If you select the start date only, the period covered will start with that date and end with the date on which you consult your statement of account. - End date
If you select the end date only, the period covered will begin on the date of the earliest registered element of your student debt and end on the date selected. - Start date and end date
If you select a start date and an end date, the period covered will correspond to the period you have chosen.
The elements that make up your student loan debt appear in the Student loan debt table, and the corresponding registration dates are also indicated.
- Element
Each element that makes up your student loan debt constitutes a debt to Aide financière aux études (AFE).
Date of registration
The date on which an element is registered is the date from which AFE considers it to be a debt.
Consult/Print the Statement of Account
This link enables you to view and print a PDF version of your statement of account. Note that this procedure requires the software Adobe® Reader®, which is available for free. To download it, simply click on the icon below and follow the instructions.
Details Concerning the Statement of Account
If you have to send one or more cheques to Aide financière aux études to repay all or part of your student loan debt, please be sure to indicate in the upper portion of the statement in dedicated box the total amount of payment you are making. Then, please use dotted line to remove this portion of the statement and send it with your cheque(s).
The Summary section is divided into two subsections. The first section corresponds to the Breakdown of the balance table, the second corresponds to a list of postdated cheques or information regarding the payment by preauthorized debit. Please note that the information provided in the summary reflects your situation as at the date of viewing your statement of account.
Breakdown of the balance table
The Breakdown of the balance provides you with information regarding the elements that make up your student loan debt.
- Dept
In the Debt column, you will find specific elements that make up your debt, including the student loan, bursary overpayment, etc. - Interest rate
In the Interest rate column, you will find the type of interest rate (fixed or variable) that applies to each element. - Date last interest expenses
In the Date last interest expenses, you will find the last date on which Aide financière aux études charged interest to your account for each element. - Outstanding principal ($)
In the Outstanding principal, you will find the amount corresponding to the principal that you still have to repay for each element. - Outstanding interest ($)
In the Outstanding interest column, you will find the amount of outstanding interest charged to your account for each element. - Subtotal ($)
In the Subtotal column, you will find the total of the amounts entered in the two preceding columns, i.e. the Outstanding principal and the Outstanding interest. The total of the amounts in this column appears at the bottom of this column. - Interest accrued not included ($)
In the Interest accrued not included ($) column, you will find the amount(s) corresponding to the interest accrued since the last date on which Aide financière aux études charged interest to your account. The total amount of interest appears at the bottom of the column. - Total debt balance including interest accrued ($)
On the Total debt balance including interest accrued ($) line, you will find the total amount that you still have to repay as at the date on which you consulted the statement. It corresponds tot the total of the amounts entered in the following columns: Outstanding principal ($), Outstanding interest ($) and Interest accrued not included ($).
- Postdated cheques
If you have chosen to pay your student loan debt by cheque, the subsection Postdated cheques will appear on your statement. In that section, you will find the dates and amounts of the cheques received by Aide financière aux études relative to the payment of your student loan debt. - Payment by pre-authorized debit
If you have chosen to pay your student loan debt by pre-authorized debit, the subsection Payment by pre-authorized debit will appear on your statement. It will indicate the frequency of your payments and their dates. - On-line payment
If you have chosen to pay your student loan debt on-line, the subsection On-line payment will appear on your statement. It will indicate the frequency of your payments and their dates.
In the Details section, you will find all the operations that Aide financière aux études has carried out regarding your account during the period you have selected. Please note that the first line indicates the student loan debt balance as at the start date for the period in question. At the end of this section, you will find the Interest rate variation (effective date and rate) table.
- Date
In the Date column, you will find the date of operations. - Description
In the Description column, you will find information regarding the operations that have been carried out. First, the type of operation is indicated (for example, Payment). It is followed by the word Principal or Interest, because the operation affects either the principal or interest. The type of debt is indicated last (for example, Bursary overpayment). - Transaction ($)
In the Transaction, you will find the amounts corresponding to the payments that have been made. - Debit ($)
In the Debit ($) column, you will find the amounts that you owe, for example, with regard to monthly interest. - Credit ($)
In the Credit ($) column, you will find the amounts that contribute to reducing your student loan debt, including, for example, the amounts corresponding to the payments. - Balance ($)
In the Balance ($) column, you will find the balance of your student loan debt as at the date of each of the operations. - Interest rate variation (effective date and rate) table
The Interest rate variation (effective date and rate) table indicates the interest rates that were applied to your student loan debt, as well as the effective dates. Please keep in mind that the interest rate that applies is generally a variable rate and that it corresponds to the business lending rate plus 0.50%.
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