The Canada Learning Bond is money that the Government of Canada deposits into a Registered Education Savings Plan (RESP) to help you save for a child's education after high school. The total amount the Government deposits can be up to $2,000. Applying for and receiving the Canada Learning Bond will not affect any other benefits that you or an eligible child receives.
Through the Canada Learning Bond, the Government will add money to the RESP for an eligible child every year, even if you do not add any money.
An RESP is an education savings account set up with a financial institution like a bank or a credit union, or group plan dealer. The money in the RESP will grow tax free until it can be used for expenses related to their studies in apprenticeship programs, CEGEPs, colleges, trade schools, or universities.
Beginning July 1, 2017, eligibility for the Canada Learning Bond is based, in part, on the number of qualified children and the adjusted income of the primary caregiver.