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RESP - Registered Education Saving Plans

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How to help the children in your life pay for school

RESPs are the best tool that Canadians have to cover children's future education costs.

Save for your child’s education with an RESP, if you can afford it

With the rising cost of postsecondary education, an RESP is an effective way to save for a child’s education while helping them avoid excessive student debt.

Take maximum advantage of an RESP for your children – and grandchildren

Paying for a postsecondary education isn’t easy. The average cost per year for a student living away from home is just under $20,000 – or about $80,000 for an undergraduate degree. Making use of a registered education savings plan is a good start to help cover these costs.

When should you open an RESP for your child?

As I recall being a new parent, obtaining a social insurance card for your child would rank well down on the list of things that need doing. Find the time - you need one to open an RESP.

Making RESP withdrawals? Timing is everything

A reader asks: I am the subscriber of a self-directed registered education savings plan for my 22-year-old grandson and 19-year-old granddaughter. Can I withdraw without closing the RESP?

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