Withdrawal and tax questions
Do RESP grants have to be returned if not used?
Unused government grants may need to be repaid if the beneficiary does not qualify or the plan is closed.
Reviewed 2026-05-23
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Source status: this educational answer links to the government, regulator, school, or provider sources used for the current review. It is not personal financial, tax, legal, or investment advice.
Short answer
Unused government grants may need to be repaid if the beneficiary does not qualify or the plan is closed.
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Withdrawal and tax questions
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This answer is designed as a starting point. RESP rules can depend on residency, beneficiary age, income, provider support, plan type, and current government program rules.
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Withdraw RESP money explains the broader decision and links to related tools.
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