Canada Learning Bond (CLB)


The Canada Learning Bond (CLB) is money that the Government of Canada adds to a Registered Education Savings Plan (RESP) for children whose families have low income. This money can be used to pay for full-time or part-time studies after high school at any designated educational institution including university, college, apprenticeships, and trade.

Your child could get $500 for the first year and $100 every year they are eligible until they turns 15 years old, to a maximum of $2,000.

The CLB will not affect other Government of Canada benefits. 


Your child may be eligible if:

  • your family has low income¬†
  • they are born on or after January 1, 2004
  • they are a resident of Canada
  • they have a valid Social Insurance Number
  • they are named in an RESP

You must:

  • be a primary caregiver or a cohabiting spouse/common-law partner
  • have applied for the Canada Child Benefit
How to apply

Apply for the CLB

  • Open an RESP.
  • Make sure your RESP provider offers the CLB because not all providers handle the CLB.
    • You do not need to put money into the RESP in order to get the CLB.
  • Ask the RESP provider to help you complete the application form for a CLB.
  • File your income tax and benefit returns every year.
    • The primary caregiver and cohabiting spouse/common-law partner must keep their returns up-to-date.
    • The Government will use this to re-assess eligibility for the CLB every year.


  • Once your application is approved, the CLB will be deposited directly into your child's RESP every year that they are eligible.
Easy Application
Tax filing
Education and training