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<h1 property="name" id="wb-cont" class="gc-thickline">Registered Education Savings Plans and related benefits</h1>
<p>The Registered Education Savings Plan (RESP) is a <strong>long-term savings plan</strong> to help people save for a child's education after high school, including trade schools, CEGEPs, colleges, universities, and apprenticeship programs. An adult can also open an RESP for themselves.</p>
<p>When you open an RESP, you can ask your financial institution (the promoter) to apply for benefits like the Canada Learning Bond (CLB) and the Canada Education Savings Grant (CESG). If the child is eligible, these benefits will be received in the RESP to help with the cost of the child's education. Eligible expenses can include tuition, books, tools, transportation, and rent. British Columbia and Quebec also offer provincial benefits.</p>
<p><strong>Adults born in 2004 or later may also receive the CLB for themselves until the age of 21. </strong></p>
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<h2>Sections</h2>
<dl>
<dt>
<a href="./CESP-subway-proto-aboutplan.html">How the RESP and related benefits work together</a>
</dt>
<dd>
To receive benefits like the CLB, the CESG, and provincial benefits, you need to open an RESP
</dd>
<dt>
<a href="./CESP-subway-proto-howmuch.html">How much money benefits could add to the RESP</a>
</dt>
<dd>
Estimate how much money the CLB, the CESG and provincial benefits could add to the RESP. Consult the detailed eligibility criteria and amounts for each benefit</dd>
<dt>
<a href="./CESP-subway-proto-openandapply.html">Open an RESP and apply for benefits</a>
</dt>
<dd>
Any adult can open an RESP and apply for the CLB, CESG and provincial benefits. Use the list of promoters to find one that offers the benefits the child is eligible for</dd>
<dt>
<a href="./CESP-subway-proto-usingRESP.html">Pay for education using the RESP</a>
</dt>
<dd>
You can use the money in the RESP to pay for the child's education after high school. Determine if the school is eligible, and request the money from your promoter</dd>
<dt>
<a href="./CESP-subway-proto-ManagingRESP.html">Managing the RESP, taxes, and transfers</a>
</dt>
<dd>
How long RESPs can stay open, how to change or add beneficiaries, how RESPs are taxed, how to transfer RESP funds, and how to close a plan</dd>
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<h2>If you have questions about RESPs and benefits</h2>
<p>If you have questions about the RESP, the CLB, the CESG, or provincial benefits, you should <strong>contact your RESP promoter first</strong>. Your promoter should know the specific details of your RESP and be able to help you. For more general inquiries, you can <a href="https://srv144.services.gc.ca/cgi-bin/ContactForm-FormulaireContact/index.aspx?GoCTemplateCulture=en-CA§ion=cesp">submit a form</a> to the Canada Education Savings Program.</p>
<h2>Resources and publications</h2>
<p>We have additional resources and information available to RESP promoter organizations, as well as a list of all reports and publications from the <a href="https://www.canada.ca/en/employment-social-development/programs/canada-education-savings.html">Canada Education Savings Program.</a></p>
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<li><a href="https://www.canada.ca/en/services/benefits/education/education-savings/resp-promoters.html">Resources for RESP promoters</a></li>
<li><a href="https://www.canada.ca/en/employment-social-development/services/student-financial-aid/education-savings/reports.html">Reports and publications</a></li>
<li><a href="https://www.canada.ca/en/employment-social-development/programs/canada-student-loans-grants/glossary.html#glossary_a">Glossary of complex terms</a></li>
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<dd><time property="dateModified">2021-11-30</time></dd>
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