Short answer Canada says RESP funds can be used in addition to student grants and loans, but students apply through their province or territory and must follow that program's current assessment questions.
Decision area Student aid questions

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Confirm the current rule before acting.

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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RESP and student aid explains the broader decision and links to related tools.

Sources to confirm

Canada Student Grants and Loans Employment and Social Development Canada · checked 2026-05-23 Apply with your province or territory Employment and Social Development Canada · checked 2026-05-23 Canada Student Grants and Loans loan agreement Employment and Social Development Canada · checked 2026-05-23 Repay a student loan Employment and Social Development Canada · checked 2026-05-23 Student lines of credit Financial Consumer Agency of Canada · checked 2026-05-23 Learn about OSAP Government of Ontario · checked 2026-05-23 OSAP definition: Registered Education Savings Plans Ontario Student Assistance Program · checked 2026-05-23 2025-26 OSAP application for full-time students Ontario Student Assistance Program · checked 2026-05-23 Pay for education using the RESP Canada.ca · checked 2026-05-24 RESP payments, transfers, and rollovers Canada Revenue Agency · checked 2026-05-24