Pre-Study Report

Nova Scotia Student Assistance assumes you will work during the period immediately before you start classes and use these earnings toward the cost of your education.

Your first (tentative) assessment, which you can access on MyPATH, assumes you will work full-time and earn at least minimum wage for your entire pre-study period and save some of that income for school. If you expect to earn more, you can estimate a higher number on your student assistance application. If your actual earnings are not the same as your estimate, you can correct this when you submit your Pre-Study Report.

After your classes start, you will submit your pre-study report (PSR). The PSR tells Student Assistance your actual pre-study period income and about any allowable expenses you had during that period.

You will also report what you expect to earn as your study-period income, while you are at school.

Student Assistance uses this information to re-calculate your final Nova Scotia Loan and Grand funding amounts.

If your school adjusted its tuition fees since your application was first estimated, this adjusted tuition cost to you will also be re-assessed at this time and reflected in your final funding amounts.

You may be asked to provide or update your banking deposit information.

More about the pre-study report

• What is the deadline?
• How much of my pre-study income must I save for school?
• What if my actual income is more/less than I estimated when I applied?
• How long is my pre-study period? When does it start?
• Once I submit my PSR, when will I get more funding?
• What if I couldn’t/didn’t work during my pre-study period?
• What expenses am I allowed during the pre-study period?

Deadline

Provincial funding cannot be issued until your pre-study report (PSR) and all required pre-study documentation have been submitted and are complete.

If your PSR or any outstanding pre-study requirements are submitted after your study period has ended, they will not be considered for provincial assessment unless approved through the formal appeal process.

Appeals for provincial funding submitted after the study period end date are limited to one request per student, over their student assistance lifetime.

Only one such appeal is permitted, regardless of the outcome (approved or denied).

How much of my pre-study period income must I save for school?

Some pre-study period expenses can be used to reduce your expected pre-study period contribution.

Typically, for most students who live at home during their pre-study period and have no exceptional expenses, the expected student contribution is:

• high school students: $269/week x 8 weeks = $2,152
• university last year: $269/week x 18 weeks = $4,842
• NSCC last year: $269/week x 13 weeks = $3,497

Once we have your actual pre-study period income, we calculate your contribution.

If your actual pre-study period income is higher than you expected when you completed your application (or your allowable expenses are lower):

• your pre-study period earnings contribution could increase
• you could get less funding and/or you may not get a second (provincial) funding deposit at all
• you may have an overaward on amounts you’ve already been given
• make sure you report your higher income to avoid any further overawards

If your actual pre-study period income is lower than you expected when you completed your application (or your allowable expenses are higher):

• your pre-study period earnings contribution might decrease
• you could get more funding

If your pre-study period earnings were lower than you expected because you were unable to work, you may need other documentation.

Once I submit my PSR, when will I get more funding?

Your first assessment must be completed before you submit your PSR.

You can complete your PSR (including any documentation you submit via MyPATH) as soon as you start school and/or as soon as your assessment is completed. Once your PSR has been reviewed:

• if you are assessed for higher funding amounts, and did not already receive the maximum Canada Student Loan amounts, you may receive more Nova Scotia Loan or Grant funding
• any additional loan or grant amounts are deposited to your account halfway through your study period

If you qualify for additional Nova Scotia loans or grants, you will receive it:

• university students: usually early January
• Nova Scotia community college students: later in January
• private career colleges: the timing will depend on your start and end dates, but it will be halfway through your study period

If you do not submit your PSR before the deadline, you can not receive any additional loan or grant funding. We do not deposit any funding past the end of your study period.

How long is my pre-study period?

Your pre-study period is the time before your classes begin. It is included in your assessment and captures the resources you have available, as well as any out-of-pocket expenses you incur during this time.

The number of weeks in your pre-study period depends on your individual circumstances prior to the start of your study period:

Which situation applies to you?

I am not starting classes in September. When does my pre-study period start?

To see when your pre-study period starts, find the situation that applies to you (in the table above). Then, count backward using the correct number of weeks from the first day of the month in which your classes will begin. Your pre-study period income is the income you earn between that date and the date your classes start.

Do I need proof of my pre-study income?

You do not need to send proof of your income during the pre-study period unless you were self-employed. Be aware that you could be audited any time and that if you apply for student assistance next year, your Income Tax Return for this year will be compared to your total pre-study period income and study period earnings that you report on your application this year.

What if I don’t/couldn’t work during my pre-study period?

If you are unable to work/unable to find a full-time job for the entire pre-study period, you should report the reason on your PSR. We may reduce your minimum pre-study contribution if you document your reason.

• if you were a co-operative education student: your pre-study period contribution may be calculated differently
• if you were unable to work because you were ill or injured: submit a medical certificate or letter from your doctor (PDF) outlining the nature of your illness and the dates you were unable to work
• if you were in summer school or were a part-time student during your pre-study period, and unable to work full time (or not at all): send us a copy of your grades from the courses you completed and explain why school prevented you from working full time. You may also be able to claim the cost of your summer courses as an allowable expense, which could further reduce your pre-study period contribution
• if you choose not to do paid work (volunteering, special-interest camps or foreign exchange programs, etc.): you will not be eligible for a reduction in your minimum pre-study contribution
• some other reason: when you complete your PSR, explain why you couldn’t work and gather documents to support your reason, if possible. Depending on your reason, you may also be able to appeal your assessment

Allowable expenses during your pre-study period

Living expenses

On your first assessment, we calculate your minimum pre-study contribution as if you were living at home in Nova Scotia.

• if you are a single independent student, we recalculate your contribution based on where you actually lived when we process your pre-study report
• if you are a single dependent or married student, we calculate your pre-study contribution as if you were living at home unless you were required to live away from home to work

Childcare expenses

Be aware that proof of childcare expenses may be required for audit purposes. If you are requested to provide proof, the following are acceptable documents:

• licensed daycare – a letter from childcare centre stating the name(s) of children in childcare, the dates and the amounts paid
• private childcare provider - cancelled cheques or money orders showing the dates and amount paid. Letters or receipts from the childcare provider are not accepted

Any reported childcare expenses for a dependent over the age of 11 must be verified. To be considered, the dependent must require caregiving support for at least 50% of their daily needs. This is typically verified through documentation confirming the dependent, or their parent/guardian on their behalf, is receiving the federal Disability Tax Credit (DTC).

Other allowable expenses

You may also have other expenses during your pre-study period which you may be able to claim by sending in proof/documentation:

• tuition and other education expenses: send receipts and proof of grades/course completion
• required CSL and NSSL payments: send proof of the minimum monthly payment and the dates you made payments. If you make payments that are not required, these payments will not be considered an allowable expense
• summer lease/sublet expense: if you are required to maintain your lease for your apartment or residence from the previous academic year through the summer months, you must provide proof that you were unable to sublet the unit and were responsible for the full cost. Acceptable documentation may include confirmation from campus housing that you were registered for student housing or a written statement from your landlord indicating that subletting is not permitted
• uninsured medical/dental costs: you can claim amounts paid during your pre-study period. Submit receipts in your name that show the amounts/dates you paid these costs