Canada Learning Bond 2025 – Up to $2,000 in Free Education Savings for Your Child

As of July 2025, the Canada Learning Bond (CLB) remains a valuable education savings incentive for low-income families. The federal government contributes up to $2,000 into a child’s Registered Education Savings Plan (RESP), even if the family contributes nothing themselves.

This program helps reduce barriers to post-secondary education for children from modest-income households. If your child was born in 2004 or later and your family meets the income threshold, you may qualify for this benefit. Here’s how to access the Canada Learning Bond in 2025.

The Canada Learning Bond offers up to $2,000 in free RESP contributions for eligible low-income families. Find out how to apply in 2025.

What Is the Canada Learning Bond?

The Canada Learning Bond (CLB) is a government grant that provides free money for eligible children’s post-secondary education. The funds are deposited into a Registered Education Savings Plan (RESP) and can be used for college, university, trade school, or apprenticeships.

• 🎓 Total available: Up to $2,000 per child
• 🎓 No personal contributions required
• 🎓 Funded by: Government of Canada

Who Is Eligible for the CLB in 2025?

Your child may be eligible if:

• ✅ They were born in 2004 or later
• ✅ Your family qualifies for the National Child Benefit Supplement (NCBS) or CCB income thresholds
• ✅ You have opened a RESP in their name

Children can apply on their own once they turn 18 and meet eligibility rules.

💥 Get $500 Right Away – Up to $2,000 Total with No Savings Required!

When eligible, the CLB provides:

• 💰 $500 for the first year of eligibility
• 💰 $100 for each additional year (up to 15 years)
• 💰 Maximum of $2,000 per eligible child

You don’t need to contribute anything to access this grant.

How to Apply for the CLB

Follow these steps to receive the Canada Learning Bond:

1. Apply for a Social Insurance Number (SIN) for your child
2. Open a Registered Education Savings Plan (RESP)
3. Ask your RESP provider to apply for the CLB on your behalf

Many banks and credit unions offer RESP accounts that accept CLB applications.

What Can the CLB Be Used For?

The CLB funds can be used for:

• 📚 College and university tuition
• 🛠️ Trade schools and apprenticeships
• 🏠 Living expenses for students away from home

Funds must be withdrawn for eligible education expenses or returned to the government.

What If You Missed Out Earlier?

Children can apply for the CLB themselves once they turn 18, if their family was eligible when they were younger. The deadline is the day before their 21st birthday. Don’t miss the window!

📌 Frequently Asked Questions (FAQ)

Q1. Do I have to contribute to a RESP to get the CLB?

No. You can receive the Canada Learning Bond even if you never contribute a cent.

Q2. What documents do I need to apply?

You’ll need your child’s SIN, proof of income, and a RESP account opened in your child’s name.

Q3. What if my child turns 18 in 2025?

They can apply for the CLB themselves up until the day before they turn 21.

Q4. Can newcomers to Canada qualify?

Yes, if they meet the income and residency requirements and have a SIN.

Q5. What happens if my income goes up after applying?

Eligibility is based on income during the child’s earlier years. Later increases won’t disqualify past amounts.

Q6. Where can I open a RESP that allows CLB?

Most major banks, credit unions, and financial institutions in Canada offer CLB-eligible RESP accounts.

                <a href="https://www.canada.ca/en/services/benefits/education/education-savings.html">
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                                Government of Canada – Canada Learning Bond
                </a>
            
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