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Your AFE status

Your Aide financière aux études (AFE) status (i.e., full- vs part-time studies) plays a key role in your aid dealings and payments. The AFE’s full-time and part-time loan programs are considered separate entities and changes in status can directly impact your loan repayments.

The Scholarships and Student Aid Office is the recognized authority at McGill to correspond with the AFE. Every month, we confirm your registration status with them. Should your student status/registered credits change during the academic year, a financial reassessment notification will appear in your AFE file under the tab “full-time assessment” and your AFE payments will be adjusted accordingly.

Full-time students

The AFE's full-time program applies to students who are registered for at least 12 credits per semester during their undergraduate degree (the same eligibility criteria applies for the summer semester).

Full-time internships/stages might not be recognized as such and registration in a 2-credit internship or stage is not recognized as full-time.

Graduate students working on their thesis are considered full-time in each term, whether they are registered with credits or not.

Withdrawing from or cancelling a course could have an impact on your AFE assessment. Contact the student [dot] aid [at] mcgill [dot] ca (Scholarships and Student Aid Office) for more info.

TIP: Check out the AFE’s assessment simulator -- a self-serve calculator that helps you estimate the amount of government aid you may receive in their full-time program. This amount does not represent the final assessment and may vary substantially from what you will actually receive. Please note: the amount entered for tuition should only include basic Quebec tuition. McGill’s Student Accounts website has more info to help you with this. Read more about allowable expenses.


Part-time students

The AFE's part-time loan program applies to students who are registered for 6 to 11 credits per semester; students who fall into this category, then, are not eligible for full-time AFE aid. Students who are restricted to registering part-time due to special circumstances, should investigate if they qualify for being deemed full-time, as this status can prove to be more financially beneficial.

TIP: The AFE's site provides a handy table of loan amounts awarded in their part-time program.


Deemed full-time: student parents; students with disabilities, health problems

In some instances, it is possible to be deemed full-time and receive full funding when taking between 6 and 11 credits. This is commonly applied to students who:

Are or will be parents

Have a disability*

Have health problems

*The Office for Students with Disabilities can help you with your application. It also offers workshops and downloadable PDF files that guide you through the entire AFE funding application process.


Parents of students

Parents are expected, by law, to contribute to the education of their child if they are in a position to do so. When assessing the need of your child, AFE takes into consideration the amount you should be contributing to his/her education. A parent’s expected contribution can be found in a student’s online file once it has been assessed. It is important to note that this amount will be used to calculate a student’s net need and could create a deficit in the budget if it is not provided. Visit the AFE website for more info. Our office also furnishes a Financial Aid Roadmap for Parents with handy guidelines and tips on this topic.

Note: parents are not liable for their child’s student loans. The Act respecting financial assistance for education expenses states that the person applying for financial assistance under the Loans and Bursaries Program is considered to have reached an age of majority, even if he or she is not 18 years of age.