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Borrow Better with a Student Line of Credit
Apply and be approved for a TD Student Line of Credit by October 31st, 2025, and you could be eligible for a $200, $550 or $1,000 cash offer1, depending on your program of study. Eligible chequing account required. Conditions apply.
Why apply for a Student Line of Credit?
Credit customized to your level of study
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College & Undergraduate
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Graduate & Professional
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Medical, Dental & Veterinary
Students enrolled in a full or part-time program in an accredited university or college pursuing a Bachelor’s Degree, Certificate or Diploma could be eligible for a $200 cash offer. Limited time offer.◊
|
Program |
Interest Rate |
|---|---|
|
Post-Secondary Certificate Program |
TD Prime Rate + 1.50% |
|
Undergraduate |
TD Prime Rate + 1.00% |
|
Undergraduate - Honors Business Administration (University of Western Ontario) |
Students enrolled in a graduate or professional program could be eligible for a $550 cash offer. Limited time offer. ○
Learn more about our TD Graduate & Professional Banking Package.
Credit limits depend on your course of study.
|
Credit Limit |
Interest Rate |
|
|---|---|---|
|
Graduate (Masters, PhD) |
up to $80,000 over two years of study |
TD Prime Rate + 0.50% |
|
Naturopathy |
up to $80,000 over four years of study |
TD Prime Rate + 0.50% |
|
Chiropractic |
up to $100,000 over four years of study |
TD Prime Rate + 0.50% |
|
Optometry |
up to $175,000 over four years of study |
|
|
Pharmacy |
up to $175,000 over four years of study |
|
|
Law |
up to $150,000 over three years of study |
|
|
MBA and MFin |
up to $125,000 over your study period |
Students enrolled in Medical, Dental or Veterinary School could be eligible for $1,000 cash offer. Limited time offer. □
Credit limits depend on your course of study.
No co-signer needed for Canadian schools5. Applies to Canadian students only. Conditions Apply
|
Credit Limit |
Interest Rate |
|
|---|---|---|
|
Medical |
up to $400,000 and $100,000 in your first year of study; continued access during residency |
TD Prime Rate - 0.25% |
|
Dental |
up to $400,000* and $100,000 in your first year of study |
TD Prime Rate - 0.25% |
|
Veterinary |
up to $250,000 and $62,500 in your first year of study |
TD Prime Rate - 0.25% |
What to bring to your appointment
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For an Undergraduate Student Line of Credit, you’ll probably need a co-signor (most other applications don’t need a co-signor)
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Your current address (if you’ve been there less than three years, we’ll need your previous address as well)
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The sources and amount of your annual income
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Your monthly payments (loans, credit cards, lines of credit)
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Your household expenses (utilities, property tax, insurance, etc.)
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Proof of enrollment
Frequently asked questions
We offer four main types of Lines of Credit.
Personal Line of Credit
This helps with everyday spending and major purchases, too.
Student Line of Credit
Get the funds you need to cover the costs of a post-secondary education.
Investment Secured Line of Credit
Use your eligible investments as collateral to borrow at a lower interest rate vs. an unsecured line of credit.
TD Home Equity FlexLine
With your home as collateral, you’ll pay less in interest than with a personal line of credit.
This information is not available in the TD app at this time. To check the current terms of your Line of Credit (LOC) online, please log in to EasyWeb.
TD offers the option to apply for a Student Line of Credit, available for Undergraduate, Graduate and Professional students.
Visit the Student Hub to see the TD banking solutions and resources for students.
Learn more about student banking
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Meet in branch or over the phone