Prepare documents and questions before requesting RESP withdrawals for school.
Possiblement. Les règles du REEE peuvent prendre en charge des études postsecondaires à temps partiel lorsque le programme est admissible, mais le fournisseur doit confirmer l'école, le programme, la charge d'études et les plafonds de retrait.
Les règles de PAE à temps partiel peuvent différer de celles à temps plein, notamment quant aux montants maximaux et aux semaines ou heures requises. La confirmation du fournisseur est donc importante avant que l'adulte compte sur l'argent pour les droits de scolarité ou les frais de subsistance.
Les apprenants adultes à temps partiel devraient obtenir par écrit la ventilation PAE et cotisations, car la déclaration fiscale appartient au bénéficiaire.
How to check this rule
Details that matter
Part-time can qualify
Part-time study may qualify when the program meets the RESP rules.
Limits can differ
Part-time EAP limits are not always the same as full-time limits.
Proof matters
Providers commonly require proof of enrolment before processing withdrawals.
Tax slip
Any EAP is generally taxable to the beneficiary.
Example
Example: An adult takes a part-time college certificate while working. Before tuition is due, they ask the promoter whether the course load qualifies and how much EAP is available under part-time rules.
Questions to ask your provider
Do you classify this program as qualifying part-time education?
What maximum EAP can be paid for this study period?
Can contributions be withdrawn separately if needed?
What exact proof of enrolment do you need?
Will the student receive a T4A slip?
Read next
RESPs for adults explains the broader decision and links to related tools.