Definitions for the purposes of the Act and this Regulation
3The following definitions apply in the Act and this Regulation.
“certificate of eligibility” means a certificate of eligibility issued by the Minister to a qualifying student under section 17 of the Act. (certificat d’admissibilité)
“common-law partner” means a person who cohabits in a conjugal relationship with another person if the persons are not married to each other. (conjoint de fait)
“dependent student” means a student who is not an independent student. (étudiant à charge)
“history of credit abuse” means, in respect of an applicant, the disclosure on a credit bureau report on such applicant, of the existence of one or more of the following events at any time within the 3 year period preceding the date of such credit bureau report:
(mauvais antécédents de crédit)
(a)
in connection with the indebtedness of the applicant, whether alone or jointly with one or more other borrowers,
(i)
any indebtedness that has been written off by a financial institution,
(ii)
a loan where a financial institution has repossessed collateral pledged to a financial institution as security,
(iii)
a loan or debt that has been referred to a collection agency for recovery, or
(iv)
any indebtedness that has been the object of a successful civil action commenced by a financial institution against the applicant, whether alone or jointly with one or more other borrowers;
(b)
a minimum of 3 instances where instalment or revolving credit accounts were more than 3 months overdue; and
(i)
having filed a notice of intention in accordance with section 50.4 of the
Bankruptcy and Insolvency Act (Canada),
(ii)
having filed a proposal in accordance with section 62 of the
Bankruptcy and Insolvency Act (Canada) or made any proposal for a composition, for an extension of time or for a scheme or arrangement, or
(iii)
having had the status of a bankrupt.
“independent student” means a student who, before the first day of the academic year or term for which a certificate of eligibility is requested,
(étudiant indépendant)
(b)
is in a common-law partnership,
(c)
is divorced or separated,
(d)
is a widow or a widower,
(e)
is a single parent with custody of one or more children,
(g)
has no parent, guardian, sponsor or other supporting relative,
(h)
has been out of secondary school for a period of not less than 48 months, or
(i)
has been employed or been available for employment, or a combination of both, for a minimum of 2 periods of 12 consecutive months while not enrolled full-time in secondary or post-secondary study.
“normal full-time course load” means the number of courses in a program of studies that a designated educational institution requires a qualifying student to take in any year in order to obtain a certificate, diploma or degree in a minimum length of time. (contenu d’un programme régulier à temps plein)
“program of studies” means a program of post-secondary courses or subjects of not less than 12 consecutive weeks’ duration. (programme d’études)