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Quebec loans & bursaries

Canadian citizens, permanent residents and refugees or protected persons may qualify for the Québec Government's AFE (Aide financière aux études/Student financial assistance) programs if they are deemed a resident of Quebec for student aid purposes at the time of application.

You can review the Aide financière aux études website where you will find the latest financial aid information for Québec residents.

Eligibility requirements

Please consult AFE's website to learn more about the requirements for  full-time loans and bursaries and part-time loan application.

Students must apply a minimum of 6 to 8 weeks before the beginning of the semester in order to receive their funding in time for the start of term.

AFE verifies all the course registrations once before the start of each term at a specific period. Please ensure that you have completed your registration before this date in order to avoid delays in your funding. We will announce the verification period via a notice on our website.  

Waitlisted classes

Waitlisted classes do not appear on transcript and therefore do not count toward your credit load. If you are enrolled in Fall/Winter classes, the credits are divided equally between the Fall and the Winter semesters. 

When filling out an application for Quebec's Loan and Bursary program, you will need:

  • Concordia's school code which is 980000
  • Your Program codes and 
  • Your definition of full-time studies

You can contact the Financial Aid and Awards Office (FAAO) by e-mailing to confirm your registration to the Aide finaciers aux etudes (AFE) program.



  • If you do not have a permanent code, you will be required to mail a paper application. The Ministère will assign you a permanent code when processing your application. The AFE will inform the student of their permanent code via a letter. The updates will be done weekly. The student should their letter before they obtain the processing result of their application for financial assistance.
  • You can find downloadable forms and information on the  AFE website.  
  • If you have already made a request for a permanent code via Concordia University, please wait until you receive your permanent code before you fill out your AFE application. 
  • Review information on permanent code

  • AFE only processes applications that are complete (i.e., that include both the form and required documents). Incomplete applications will be processed at the time of the reception of the missing document(s). Make sure that you have submitted all the necessary paperwork. 
  • If you have submitted a complete application, consult the AFE processing dates page. It will provide their application processing dates.   
  • If you have concerns about the status of your application, please send us an email at

Full-time status

Please consult AFE's website to learn more about the requirements for  full-time loans and bursaries and part-time loan application.

Quebec's Aide financière aux études defines full-time-status by the number of credits for which you are registered and billed by Concordia at the close of the tuition refund period, as follows:

  • Registration for the Summer session: 12 credits
  • Registration for Fall session only: 12 credits or more
  • Registration for Winter session only: 12 credits or more

Please note fees for two term fall/winter (/3) courses are divided in two (2) and appear in both the fall and winter sessions. If you are enrolled in a two term course, the course will be divided in two. Fees for two term fall/winter (/3) courses are divided in two (2) and appear in both the fall and winter sessions.

For undergraduate student parents

If you are a student parent with young children and you are considering reducing your course load, consider the option of being deemed full-time. In that case, you can take a part-time course load (minimum 6-11 credits per term) and still be considered full-time for student loan purposes.

A student is classified as full-time if they are registered for 9 or more credits in one term.

Students enrolled prior to summer 2022 full-time enrollment will be determined based on their status. A status can be changed from the original offer of admission.

Students in thesis-based master’s or doctoral degree programs are accepted as full or part-time students at the time of admission. These students are considered to be full or part-time according to their status at admission, regardless of the actual amount of credits for which they register. Their classification will change only if they submit a request to change their status.

A student’s status in course-based master’s program is determined by the number of credits for which they are registered by the DNE deadline. In particular, students are considered full-time if they are enrolled in 9 credits per term in the Fall and Winter terms of a given academic year. Registration in less than 9 credits in the Summer or last term of study, does not impact full-time status. Students enrolled in less than 9 credits in a Fall or Winter term will automatically be classified as part-time for that term unless they are enrolled in an internship component or project course.

MBA students enrolled in the Executive MBA program and the Investment Management MBA program are considered full-time students as they have to follow an established schedule of courses per term.

Master of Business Administration (MBA) program students are considered full-time if they register for a minimum of 12 credits in each of the Fall and Winter terms. Part-time MBA students are permitted to register for a maximum of 6 credits in each of the Fall and Winter terms and a minimum of 12 credits in the academic year.

Students who do not meet the normal requirements of full-time studies may be deemed as a full-time by the Quebec Government, if they are registered for a minimum of 6 credits per semester in either an Undergraduate Program,  or Graduate Program  and fall into one of the following categories:

  • Student with a major disability (accepted by AFE)
  • Student is at least 20 weeks pregnant
  • Single parent:
    • Student lives with his child who is under age 12 as of September 30th of the current award year
    • Student lives with his child who is under age 21 as of September 30th of the current award year, if the child is a student with a major functional disability
  • Student with spouse:
    • Student lives with his child who is under age 6 as of September 30th of the current award year
    • Student lives with his child who is under age 21 as of September 30th of the current award year, if the child is a student with a major functional disability

A Master student is classied as part-time only if they are registered in at least 6 credits per term.

Program codes

The following program codes are used exclusively by the Quebec government's Aide financière aux études. You will only use this code in your loan or bursary documents to refer to your program of study.

Program codes are categorized by Faculties. If you are unsure which Faculty your program falls under or if your program is eligible for funding, contact us at

Please note whether you are studying in the Bachelors, Masters or PhD, the program code for your department remains the same. If you are in a graduate diploma, please look under the faculty to find your program code. 

Program code: 09999

Programs in Arts

Program code: 10000

Bachelor, Master and PHD

Anthropology and Sociology
Applied Human Sciences
Canadian Studies
Child Studies
Communication Studies
Communication and Cultural studies
Community Public Affairs and Policy Studies
Creative Writing
Études Français
Environmental and Sustainability Science
English and Creative Writing
English and History
English Literature
First Peoples Studies
French Studies
German Studies
Human Environment
Human Relations
Human Rights Studies
Interdisciplinary Studies in Sexuality
Irish Studies
Israel Studies
Judaic Studies
Law and Society
Leisure Studies
Liberal Arts
Modern Languages
Political Sciences
Professional Writing
Recreation and Leisure Studies
Social Sciences
Southern Asia Studies
Spanish, Hispanic Cultures and Literatures
Theological Studies
Therapeutic Recreation
Urban Studies
Women' Studies

Preschool & Elementary/Second.

Program code (11200)

Bachelor Programs 

Art Education
Teaching English as a Second Language
Teaching English as a Second Language (Certificate)
Early Childhood and Elementary Education (ECEE)

Adult Education (Certificate)

Faculty of Arts COOP Programs

Program code 10050

Bachelor Programs 




Anthropology and Sociology


Political Science




Faculty of Arts COOP Programs

Program code 10050

Master Programs 




Faculty of Arts C. Edge Programs

Program code: 10150

Bachelor Programs





Undergraduate Certificates

Program code: 10000

Science foundations
Arts and Sciences Undergraduate Certificate

Arts Graduate Diploma

Program code (10099)

Public Policy & Public Administration

Program code: 10002

Programs in Science

Program code: 20000

Bachelor, Master and PHD

Actuarial Mathematics
Actuarial Mathematics/Finance
Athletic Therapy
Bahvioural Neuroscience
Cell and Molecular Biology
Exercise Science
Kinesiology and Clinical Exercise Physiology
Systems and Information Biology

Faculty of Science C. Edge Programs

Program code: 40150


Science COOP Programs

Program code: 20050

Bachelor progarm



Actuarial mathematics

Actuarial mathematics and finance



Cellular and molecular biology


Exercise Science






Exercise Science - 120 Credits

Program code: 20004

Graduate Diploma

Program code: 20099

Ineligible programs

Certificate in Community Service
Certificate in Family Life Education
Certificate in Pastoral Ministry

Program code: 10600

Bachelor, Master and PHD

Acting for the Theatre
Art Education, Visual Arts
Art History and Film Studies
Art History and Studio Art
Art History
Art Therapy
Computation Arts
Computation Arts - Computer Science
Contemporary Dance
Design Art
Design for the Theatre
Electroacoustic Studies
Fibres and Material Practices 
Film Animation
Film Production
Film Studies
Game Design
Intermedia (Video, Performance and Electronic Arts)
Jazz Studies
Painting & Drawing
Performance Creation
Print Media
Sculpture, Ceramics & Fibres
Studio Art

Creative Arts Therapies 

Program code: 10601

Bachelor and Master

Graduate Diploma

Program code: 10699

Programs in Gina Cody School of Computer Science

Program code: 40000

Computer Science
Computer Science - Computation Arts
Data Science
Health and Life Sciences
Software Engineering
Undergraduate Certificate, Science and Technology

Computer Science COOP Program

Program code: 40050

Bachelor and Master

Environmental and sustainability sciences Civil Engineering
Pure and applied mathematics Electrical Engineering

Computer Science Graduate Diploma

Program code: 40099

Programs in Gina Cody School of Engineering

Program code: 41000

Bachelor, Master and PHD

Aerospace Engineering
Building Engineering
Civil Engineering
Computer Engineering
Electrical Engineering
Industrial Engineering
Mechanical Engineering

Engineering COOP Program

Program code: 41050

Bachelor and Master

Engineering C. Edge Program

Program code: 41150


Engineering Graduate Diploma

Program code: 41099

Program code: 15000

Bachelor, Master and PHD

Business Statistics
Business Studies
Business Technology Management
Data Intelligence
Foundations for Business
Human Resources Management
Industrial Relations
International Business
Quantitative Finance and Insurance
Real Estate
Supply Chain & Business Technology Management
Supply Chain Operations Management

Commerce & Administration Undergraduate COOP Program

Program code: 15050

Bachelor and Master 

Business Administration Graduate Diploma

Program code: 15099

Graduate Diploma in Chartered Professional Accountancy (CPA) FULL-TIME Structure

Program code: 15007


Program code: 15001

MBA COOP Program

Program code: 15950

MBA in Investment Management with Complete CFA integration

Program code: 88805

Please note this program is eligible for loans only.

Business Administration and Quantitative Business Studies Graduate Certificates

Program code: 15088

Please note this program is eligible for funding for one full-time term (15 credits) only.

Ineligible programs

Diploma in Chartered Professional Accountancy (CPA): Part-Time Structure
Executive MBA (EMBA)/ Private MBA Programs
Graduate Certificates 

Program code: 41020

Program code: 09999

Please note that this program is ineligible for funding.

Please note that these programs is ineligible for full-time funding however, you may apply for a part-time loan.

Please note that these program are ineligible for funding.

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