For students and new grads in Canada
Money skills for the dorm years and beyond.
Plain-language help with budgets, loans, credit, and your first accounts. Free, from licensed people who explain things properly.
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Two ways to start
Talk to someone
A free 20-minute money chat
Pick a time, ask anything, and leave with a clear next step. Nothing to prepare.
Book a free money chatRead it first
The Student Money Starter Kit
Your first budget, your first accounts, loans, credit, and taxes, in plain language. Free by email.
Get the free guideWhat we help with
Budgeting
A plan for the money you already have, in 10 minutes a month.
Student loans
Interest, grace periods, and what to pay first.
Credit
How scores work in Canada and how to build one slowly and safely.
First accounts
TFSA, FHSA, and RRSP explained on first use, every time.
Student story
“I didn't know where to start with money. They explained my TFSA in plain language and helped me build a plan to pay off my student loans.”
Student loans paid off
*Results as of [DATE]. Individual results vary and are not guaranteed. [PERFORMANCE DISCLOSURE FOR COMPLIANCE REVIEW]
“Being properly mentored has been an amazing experience. I’ve had the opportunity to learn and understand finances from the ground up, giving me knowledge and a foundation that I can continue building on for years to come.”
“I joined this venture looking to learn new ways of generating additional income, and it has turned into so much more than that. The knowledge, opportunities, and experiences I’ve gained have done a lot of great things for both me and my family.”
Next workshop
Budget basics in one hour
[DATE] · [TIME] · [CAMPUS OR ONLINE]
Questions students ask
What's a TFSA, and can students open one?
A Tax-Free Savings Account (TFSA) lets your savings and investments grow tax-free. You need to be 18 or older, and the 2026 limit is $7,000.
What's an FHSA, and is it too early to open one?
A First Home Savings Account (FHSA) is for saving toward your first home: up to $8,000 a year and $40,000 for life, with tax-deductible contributions.
Do student loans charge interest?
Federal Canada Student Loans have been interest-free since April 1, 2023. Provincial loans vary, so check each one.
How do I build a credit score as a student?
Pay every bill on time and keep card balances low. Scores range from 300 to 900, and a short history takes time to build.
Do I need to file a tax return as a student?
It’s usually worth filing even with little income. It records your tuition amounts and unlocks benefits like the GST/HST credit.
General information, not personalized financial advice.