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Can I withdraw from RESP after graduation 6 months?

An RESP beneficiary is entitled to receive EAPs for up to six months after ceasing to be enrolled in a qualifying educational program or specified educational program as long as the payment would have qualified under the rules for EAPs if it had been made immediately before the students enrolment ceased.

Is there a 6 month grace period for RESP?

There is a 6 month grace period for requesting an EAP, which allows for more flexibility for a beneficiary to access RESP savings. A beneficiary is eligible to receive an EAP for up to 6 months after ceasing to be enrolled in a qualifying program, provided that the beneficiary would have qualified while still enrolled.

How do I withdraw money from RESP?

To withdraw money from the RESP, the subscriber should contact their RESP promoter. Once the beneficiary has enrolled full‑time or part‑time in a qualifying post‑secondary educational program, the subscriber can request an EAP to withdraw money from the RESP to help pay for the beneficiarys studies.

What is the 16 17 rule for RESP?

If a beneficiary is turning 16 and 17 in the current calendar year, they are eligible for the CESG if one of two conditions is met: A minimum of $2,000 worth of contributions was made, and not withdrawn from an RESP, on behalf of the beneficiary before the end of the calendar year in which the beneficiary turned 15.

What happens to an RESP if not used?

CESG You must return this portion to the Government of Canada. Grants are paid by the government to encourage higher education, and as such, if your child doesnt attend a qualifying educational program, all grant amounts paid into the RESP must be repaid to the government.

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