Prepare documents and questions before requesting RESP withdrawals for school.
Oui, si le bénéficiaire adulte est inscrit à un programme postsecondaire admissible et que le fournisseur accepte les documents de l'école et du programme.
Les études d'adultes peuvent comprendre bon nombre des mêmes catégories que les familles associent déjà aux REEE : collège, université, cégep, école de métiers, programmes d'apprentissage, études à temps partiel et certains programmes étrangers lorsque les règles sont respectées.
Le résultat fiscal dépend du compte de retrait. Les PAE comprennent les subventions, les bons, les incitatifs provinciaux et les revenus et sont généralement imposables entre les mains du bénéficiaire. Les retraits de cotisations sont traités différemment.
How to check this rule
Details that matter
Program must qualify
Adult status alone is not enough; the school and program must support RESP withdrawal rules.
EAP taxable
EAPs are generally taxable to the adult student beneficiary.
Contributions separate
Subscriber contributions are not the same as EAP money.
Provider proof
The promoter decides what enrolment documentation it needs before paying.
Example
Example: An adult beneficiary starts a qualifying college diploma. The subscriber asks for a withdrawal split, sends proof of enrolment, receives a confirmation showing EAP and contribution amounts, and keeps the T4A for tax filing.
Questions to ask your provider
Does this school and program qualify for RESP withdrawals?
Can this withdrawal support adult part-time or full-time study?
How much will be EAP versus contributions?
Who receives the payment?
Will the adult student receive a T4A slip?
Read next
RESPs for adults explains the broader decision and links to related tools.