TABLE OF CONTENTS

Table Q1 Page 1..........Q1 STATUS
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Table Q1 Page 2..........Q1 STATUS
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Table GEND Page 3........Gender
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Table GEND Page 4........Gender
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Table LANG Page 5........Language of interview
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Table LANG Page 6........Language of interview
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Table Q2A Page 7.........Q2 CONTACT: The National Student Loans Service Centre
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Table Q2A Page 8.........Q2 CONTACT: The National Student Loans Service Centre
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Table Q2B Page 9.........Q2 CONTACT: The 1-800 O Canada phone number
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Table Q2B Page 10........Q2 CONTACT: The 1-800 O Canada phone number
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Table Q2C Page 11........Q2 CONTACT: The Canada Student Loans Program at the Government of Canada
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Table Q2C Page 12........Q2 CONTACT: The Canada Student Loans Program at the Government of Canada
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Table Q3 Page 13.........Q3 Is it clear what is included, and not included, when answering the questions on service quality?
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Table Q3 Page 14.........Q3 Is it clear what is included, and not included, when answering the questions on service quality?
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Table Q4 Page 15.........Q4 What was the purpose of your contact with the National Student Loans Service Centre?
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Table Q4 Page 17.........Q4 What was the purpose of your contact with the National Student Loans Service Centre?
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Table Q5A Page 19........Q5 How satisfied were you with this aspect of service? a. The amount of time you had to wait to speak with a customer service representative
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Table Q5A Page 20........Q5 How satisfied were you with this aspect of service? a. The amount of time you had to wait to speak with a customer service representative
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Table Q5B Page 21........Q5 How satisfied were you with this aspect of service? b. The competence of the staff
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Table Q5B Page 22........Q5 How satisfied were you with this aspect of service? b. The competence of the staff
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Table Q5C Page 23........Q5 How satisfied were you with this aspect of service? c. The courteousness of the staff
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Table Q5C Page 24........Q5 How satisfied were you with this aspect of service? c. The courteousness of the staff
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Table Q5D Page 25........Q5 How satisfied were you with this aspect of service? d. The extent to which the service was provided in a fair manner
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Table Q5D Page 26........Q5 How satisfied were you with this aspect of service? d. The extent to which the service was provided in a fair manner
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Table Q5E Page 27........Q5 How satisfied were you with this aspect of service? e. The extent to which you were informed about what you needed to do
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Table Q5E Page 28........Q5 How satisfied were you with this aspect of service? e. The extent to which you were informed about what you needed to do
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Table Q5F Page 29........Q5 How satisfied were you with this aspect of service? f. Your ease of access to service
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Table Q5F Page 30........Q5 How satisfied were you with this aspect of service? f. Your ease of access to service
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Table Q5G Page 31........Q5 How satisfied were you with this aspect of service? g. Your access to service in the official language of your choice, either English or French
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Table Q5G Page 32........Q5 How satisfied were you with this aspect of service? g. Your access to service in the official language of your choice, either English or French
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Table Q5H Page 33........Q5 How satisfied were you with this aspect of service? h. In the end, you got what you needed from the staff
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Table Q5H Page 34........Q5 How satisfied were you with this aspect of service? h. In the end, you got what you needed from the staff
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Table Q6A Page 35........Q6 AGREEMENT: a. The service representative was responsive to your needs
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Table Q6A Page 36........Q6 AGREEMENT: a. The service representative was responsive to your needs
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Table Q6B Page 37........Q6 AGREEMENT: b. The service representative was able to respond to your inquiry on the initial contact
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Table Q6B Page 38........Q6 AGREEMENT: b. The service representative was able to respond to your inquiry on the initial contact
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Table Q6C Page 39........Q6 AGREEMENT: c. The service representative followed through with commitments or promises
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Table Q6C Page 40........Q6 AGREEMENT: c. The service representative followed through with commitments or promises
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Table Q6D Page 41........Q6 AGREEMENT: d. The service representative was easy to understand
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Table Q6D Page 42........Q6 AGREEMENT: d. The service representative was easy to understand
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Table Q6E Page 43........Q6 AGREEMENT: e. Your questions were answered completely
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Table Q6E Page 44........Q6 AGREEMENT: e. Your questions were answered completely
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Table Q6F Page 45........Q6 AGREEMENT: f. Documents or other written information you received were easy to understand
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Table Q6F Page 46........Q6 AGREEMENT: f. Documents or other written information you received were easy to understand
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Table Q6G Page 47........Q6 AGREEMENT: g. The information you received was accurate
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Table Q6G Page 48........Q6 AGREEMENT: g. The information you received was accurate
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Table Q6H Page 49........Q6 AGREEMENT: h. It was clear what to do if you had a problem
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Table Q6H Page 50........Q6 AGREEMENT: h. It was clear what to do if you had a problem
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Table Q6I Page 51........Q6 AGREEMENT: i. The service representative went the extra mile to make sure you got what you needed
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Table Q6I Page 52........Q6 AGREEMENT: i. The service representative went the extra mile to make sure you got what you needed
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Table Q6J Page 53........Q6 AGREEMENT: j. You understood what would happen next and when things were to happen
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Table Q6J Page 54........Q6 AGREEMENT: j. You understood what would happen next and when things were to happen
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Table Q7 Page 55.........Q7 Overall, how satisfied were you with the quality of service you received from the National Student Loans Service Centre in the past year?
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Table Q7 Page 56.........Q7 Overall, how satisfied were you with the quality of service you received from the National Student Loans Service Centre in the past year?
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Table Q7A Page 57........Q7a Overall, how satisfied were you with the quality of service provided by the National Student Loans Service Centre with respect to your student loan in the 
                         past year?
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Table Q7A Page 58........Q7a Overall, how satisfied were you with the quality of service provided by the National Student Loans Service Centre with respect to your student loan in the 
                         past year?
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Table Q7B Page 59........Q7b Overall, how satisfied were you with the quality of service provided by the National Student Loans Service Centre with respect to the repayment of your 
                         student loan in the past year
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Table Q7B Page 60........Q7b Overall, how satisfied were you with the quality of service provided by the National Student Loans Service Centre with respect to the repayment of your 
                         student loan in the past year
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Table Q7ALL Page 61......Q7ALL Overall, how satisfied were you with the quality of service you received from the National Student Loans Service Centre in the past year?
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Table Q7ALL Page 62......Q7ALL Overall, how satisfied were you with the quality of service you received from the National Student Loans Service Centre in the past year?
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Table Q8 Page 63.........Q8 In the last year, did you have any difficulties with the service provided by the National Student Loans Service Centre?
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Table Q8 Page 64.........Q8 In the last year, did you have any difficulties with the service provided by the National Student Loans Service Centre?
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Table Q9 Page 65.........Q9 What difficulty did you encounter in the last year?
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Table Q9 Page 67.........Q9 What difficulty did you encounter in the last year?
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Table Q10 Page 69........Q10 Was your difficulty resolved to your satisfaction?
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Table Q10 Page 70........Q10 Was your difficulty resolved to your satisfaction?
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Table Q11 Page 71........Q11 When you contacted the National Student Loans Service Centre, how satisfied were you with the time you had to wait in order to get a decision about whether 
                         or not you would get Repayment Assistance or Interest Relief?
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Table Q11 Page 72........Q11 When you contacted the National Student Loans Service Centre, how satisfied were you with the time you had to wait in order to get a decision about whether 
                         or not you would get Repayment Assistance or Interest Relief?
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Table Q12A Page 73.......Q12 When you contacted the National Student Loans Service Centre, how satisfied were you with...a. The amount of time you had to wait to have your address or 
                         phone number updated
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Table Q12A Page 74.......Q12 When you contacted the National Student Loans Service Centre, how satisfied were you with...a. The amount of time you had to wait to have your address or 
                         phone number updated
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Table Q12B Page 75.......Q12b. Was it ever updated?
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Table Q12B Page 76.......Q12b. Was it ever updated?
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Table Q12C Page 77.......Q12 When you contacted the National Student Loans Service Centre, how satisfied were you with...? c. The amount of time you had to wait to obtain a form or 
                         letter you requested
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Table Q12C Page 78.......Q12 When you contacted the National Student Loans Service Centre, how satisfied were you with...? c. The amount of time you had to wait to obtain a form or 
                         letter you requested
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Table Q13 Page 79........Q13 Based on your dealings or simply on your personal impressions, would you say the service agents' priority is to collect money from you or to help you with 
                         the repayment of your loan?
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Table Q13 Page 80........Q13 Based on your dealings or simply on your personal impressions, would you say the service agents' priority is to collect money from you or to help you with 
                         the repayment of your loan?
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Table Q14 Page 81........Q14 To what extent would you be inclined to contact the National Student Loan Service Centre to inquire about your options?
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Table Q14 Page 82........Q14 To what extent would you be inclined to contact the National Student Loan Service Centre to inquire about your options?
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Table Q15 Page 83........Q15 Why would you not be inclined to contact the National Student Loan Service Centre?
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Table Q15 Page 84........Q15 Why would you not be inclined to contact the National Student Loan Service Centre?
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Table Q16 Page 85........Q16 Did you obtain a loan repayment agreement with a consolidation form from the National Student Loans Service Centre when you finished your studies?
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Table Q16 Page 86........Q16 Did you obtain a loan repayment agreement with a consolidation form from the National Student Loans Service Centre when you finished your studies?
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Table Q17 Page 87........Q17 Were your repayment options clear to you when it was time to consolidate and start repaying your student loans?
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Table Q17 Page 88........Q17 Were your repayment options clear to you when it was time to consolidate and start repaying your student loans?
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Table Q18 Page 89........Q18 Did you experience difficulties in paying your student loan in the last year?
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Table Q18 Page 90........Q18 Did you experience difficulties in paying your student loan in the last year?
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Table Q19 Page 91........Q19 Based on your knowledge of the program, does the National Student Loan Service Centre offer any options for you in the event that you cannot make your 
                         scheduled loan payments?
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Table Q19 Page 92........Q19 Based on your knowledge of the program, does the National Student Loan Service Centre offer any options for you in the event that you cannot make your 
                         scheduled loan payments?
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Table Q20 Page 93........Q20 Based on your knowledge of the program, if you run into difficulty repaying your student loan, what form(s) of assistance does the program offer?
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Table Q20 Page 94........Q20 Based on your knowledge of the program, if you run into difficulty repaying your student loan, what form(s) of assistance does the program offer?
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Table Q21 Page 96........Q21 Where would you go to obtain or confirm information regarding assistance available to borrowers who are in repayment?
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Table Q21 Page 98........Q21 Where would you go to obtain or confirm information regarding assistance available to borrowers who are in repayment?
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Table Q22A Page 100......Q22 AGREEMENT: a. It was very easy to find information about applying for a government-funded student loan
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Table Q22A Page 101......Q22 AGREEMENT: a. It was very easy to find information about applying for a government-funded student loan
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Table Q22B Page 102......Q22 AGREEMENT: b. The student loan or grant application was very easy to understand
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Table Q22B Page 103......Q22 AGREEMENT: b. The student loan or grant application was very easy to understand
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Table Q23 Page 104.......Q23 How satisfied were you with the length of time between when you submitted your original Canada Student Loan or grant application and when you were notified 
                         about the results of your application?
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Table Q23 Page 105.......Q23 How satisfied were you with the length of time between when you submitted your original Canada Student Loan or grant application and when you were notified 
                         about the results of your application?
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Table Q24 Page 106.......Q24 Did you get your Canada Student Loan or grant in time to pay your tuition fees without penalty?
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Table Q24 Page 107.......Q24 Did you get your Canada Student Loan or grant in time to pay your tuition fees without penalty?
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Table Q25 Page 108.......Q25 Overall, how easy was it to apply for a government student loan or grant?
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Table Q25 Page 109.......Q25 Overall, how easy was it to apply for a government student loan or grant?
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Table Q26 Page 110.......Q26 Keeping in mind everything we have talked about so far, overall, how satisfied were you with the quality of service you received regarding your Canada 
                         Student Loan in the past year?
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Table Q26 Page 111.......Q26 Keeping in mind everything we have talked about so far, overall, how satisfied were you with the quality of service you received regarding your Canada 
                         Student Loan in the past year?
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Table Q27 Page 112.......Q27 Over the past two years, has the quality of service you have received with regard to your Canada Student Loan improved, worsened, or stayed more or less 
                         the same?
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Table Q27 Page 113.......Q27 Over the past two years, has the quality of service you have received with regard to your Canada Student Loan improved, worsened, or stayed more or less 
                         the same?
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Table Q28 Page 114.......Q28 If you had not received a Canada Student Loan, which of the following best describes what would have happened? Would you have&?
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Table Q28 Page 115.......Q28 If you had not received a Canada Student Loan, which of the following best describes what would have happened? Would you have&?
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Table Q29 Page 116.......Q29 Have you received a Canada Student Grant, a Canada Study Grant, or a Canada Access Grant this school year or last year?
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Table Q29 Page 117.......Q29 Have you received a Canada Student Grant, a Canada Study Grant, or a Canada Access Grant this school year or last year?
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Table Q30 Page 118.......Q30 If you had not received a grant, which of the following best describes what would have happened? Would you have...?
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Table Q30 Page 119.......Q30 If you had not received a grant, which of the following best describes what would have happened? Would you have...?
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Table Q31 Page 120.......Q31 Has the current economic downturn in the country affected you financially?
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Table Q31 Page 121.......Q31 Has the current economic downturn in the country affected you financially?
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Table Q32 Page 122.......Q32 How has the current economic downturn affected you financially?
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Table Q32 Page 123.......Q32 How has the current economic downturn affected you financially?
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Table Q33 Page 124.......Q33 Has the current economic downturn affected your post-secondary plans?
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Table Q33 Page 125.......Q33 Has the current economic downturn affected your post-secondary plans?
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Table Q34 Page 126.......Q34 How has the current economic downturn affected your post-secondary plans?
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Table Q34 Page 127.......Q34 How has the current economic downturn affected your post-secondary plans?
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Table Q35 Page 128.......Q35 What is your current gross monthly income, before taxes and deductions?
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Table Q35 Page 129.......Q35 What is your current gross monthly income, before taxes and deductions?
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Table Q36 Page 130.......Q36 What was your gross monthly income, before taxes and deductions, nine months ago (i.e. last May- June)?
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Table Q36 Page 131.......Q36 What was your gross monthly income, before taxes and deductions, nine months ago (i.e. last May- June)?
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Table Q37 Page 132.......Q37 What is your marital status? Are you ...?
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Table Q37 Page 133.......Q37 What is your marital status? Are you ...?
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Table Q38 Page 134.......Q38 What is the current gross monthly income, before taxes and deductions, of your spouse or partner?
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Table Q38 Page 135.......Q38 What is the current gross monthly income, before taxes and deductions, of your spouse or partner?
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Table Q39 Page 136.......Q39 When you finished school, how much did you owe in government student loans?
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Table Q39 Page 137.......Q39 When you finished school, how much did you owe in government student loans?
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Table Q40 Page 138.......Q40 What is the total amount you currently owe on these government student loans?
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Table Q40 Page 139.......Q40 What is the total amount you currently owe on these government student loans?
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Table Q41 Page 140.......Q41 When you finished school, how much did you owe to banks or other financial institutions?
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Table Q41 Page 141.......Q41 When you finished school, how much did you owe to banks or other financial institutions?
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Table Q42 Page 142.......Q42 What is the total amount you currently owe to banks or other financial institutions? Is it...?
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Table Q42 Page 143.......Q42 What is the total amount you currently owe to banks or other financial institutions? Is it...?
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Table Q43 Page 144.......Q43 How big an impact do you think this would have on their credit rating? Do you think it would have...?
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Table Q43 Page 145.......Q43 How big an impact do you think this would have on their credit rating? Do you think it would have...?
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Table Q44 Page 146.......Q44 How much of their current total do you think they would be required to repay?
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Table Q44 Page 147.......Q44 How much of their current total do you think they would be required to repay?
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Table Q45 Page 148.......Q45 How big an impact do you think this would have on their credit rating? Do you think it would have...?
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Table Q45 Page 149.......Q45 How big an impact do you think this would have on their credit rating? Do you think it would have...?
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Table Q46 Page 150.......Q46 How much of their current total do you think they would be required to repay?
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Table Q46 Page 151.......Q46 How much of their current total do you think they would be required to repay?
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Table Q47 Page 152.......Q47 If you owed the same amount on the following loans but could not afford to repay them all, which would you stop paying first?
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Table Q47 Page 153.......Q47 If you owed the same amount on the following loans but could not afford to repay them all, which would you stop paying first?
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Table Q48 Page 154.......Q48 Which would you stop paying second?
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Table Q48 Page 155.......Q48 Which would you stop paying second?
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Table Q49 Page 156.......Q49 With respect to your most recent student loan-funded diploma or degree program, which of the following statements best describes your situation?
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Table Q49 Page 157.......Q49 With respect to your most recent student loan-funded diploma or degree program, which of the following statements best describes your situation?
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Table Q50 Page 158.......Q50 What is the highest level of education that you have completed?
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Table Q50 Page 159.......Q50 What is the highest level of education that you have completed?
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Table Q51 Page 160.......Q51 Which of the following best describes your current employment status?
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Table Q51 Page 161.......Q51 Which of the following best describes your current employment status?
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Table Q52 Page 162.......Q52 Which of the following best describes your current study status?
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Table Q52 Page 163.......Q52 Which of the following best describes your current study status?
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Table Q53 Page 164.......Q53 Do you consider yourself to be an Aboriginal person?
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Table Q53 Page 165.......Q53 Do you consider yourself to be an Aboriginal person?
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Table Q54 Page 166.......Q54 Approximately what was your total gross personal income, before taxes in 2009? This excludes any money that was given to you by your parents/guardians or 
                         others?
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Table Q54 Page 167.......Q54 Approximately what was your total gross personal income, before taxes in 2009? This excludes any money that was given to you by your parents/guardians or 
                         others?
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Table Q55 Page 168.......Q55 Do you have any dependent children living with you? This includes children living with you full-time or part-time as part of a shared-custody arrangement.
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Table Q55 Page 169.......Q55 Do you have any dependent children living with you? This includes children living with you full-time or part-time as part of a shared-custody arrangement.
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Table Q56 Page 170.......Q56 Which of the following best represents your current living situation?
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Table Q56 Page 171.......Q56 Which of the following best represents your current living situation?
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Table Q57 Page 172.......Q57 How much do you currently owe on your house or condo?
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Table Q57 Page 173.......Q57 How much do you currently owe on your house or condo?
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Table Q58 Page 174.......Q58 How much do you pay in rent?
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Table Q58 Page 175.......Q58 How much do you pay in rent?
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Table Q59 Page 176.......Q59 Do we have your permission to link your survey responses to your Canada Student Loans Program information?
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Table Q59 Page 177.......Q59 Do we have your permission to link your survey responses to your Canada Student Loans Program information?
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Table STATUS Page 178....Loan Status
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Table STATUS Page 179....Loan Status
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Table REPAY Page 180.....Repayment Status
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Table REPAY Page 181.....Repayment Status
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Table INSTIT Page 182....Institution Type
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Table INSTIT Page 183....Institution Type
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Table PROVTYPE Page 184...Province Type
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Table PROVTYPE Page 185...Province Type
                          BANNER 2

Table PROV Page 186......Province/Territory
                         BANNER 1

Table PROV Page 187......Province/Territory
                         BANNER 2

Table AGE Page 188.......Age
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Table AGE Page 189.......Age
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                                                                                                                                                                                        Table Q1 Page 1

Q1 STATUS
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       In study                        753         -       753       753         -         -         -       682        71       528       225        19       462        31        15       225
                                       41%                100%      100%                                     42%       29%       43%       36%       29%       46%       33%       26%       36%
                                                                                                               I                                              LNOP                             O

       In repayment                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       59%      100%                          100%      100%      100%       58%       71%       57%       64%       71%       54%       67%       74%       64%
                                                                                                                         H                             M                   M        MP         M

       CHI-SQUARE                          <-------1853------> <-----------------1853----------------> <------14.34------> <-------8.78------> <---------------------27.37--------------------->
       SIGNIFICANCE                                100%                          100%                          100%                100%                               100%

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                        Table Q1 Page 2

Q1 STATUS
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                In study                         753        656         96        524         93         72         64        370        383        518        212          -          -
                                                 41%        80%         9%        60%        19%        26%        29%        47%        36%        39%        44%                      
                                                              C                   EFG                                           I

                In repayment                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 59%        20%        91%        40%        81%        74%        71%        53%        64%        61%        56%       100%       100%
                                                                         B                     D          D          D                     H

                CHI-SQUARE                           <-------943.32------> <------------------272.35-----------------> <-------20.76-------> <--------3.17-------> <---------.0-------->
                SIGNIFICANCE                                  100%                             100%                             100%                  93%                    %*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table GEND Page 3

Gender
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       Male                            793       423       370       370       303        62        58       710        83       519       274        24       441        35        20       274
                                       43%       38%       49%       49%       38%       46%       36%       44%       34%       42%       44%       36%       44%       37%       35%       44%
                                                             B        EG                   G                   I                                                                               O

       Female                         1060       677       383       383       500        73       105       902       158       707       354        43       568        59        36       354
                                       57%       62%       51%       51%       62%       54%       64%       56%       66%       58%       56%       64%       56%       63%       65%       56%
                                                   C                             D                  DF                   H                                                           P

       CHI-SQUARE                          <------20.76------> <----------------24.51----------------> <-------7.95------> <-------.28-------> <----------------------4.53--------------------->
       SIGNIFICANCE                                100%                          100%                          100%                40%                                66%

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                      Table GEND Page 4

Gender
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                Male                             793        390        402        402        216         96         78        793          -        555        224        142        269
                                                 43%        47%        39%        46%        44%        35%        36%       100%                   42%        46%        39%        38%
                                                              C

                Female                          1060        431        629        465        279        177        139          -       1060        777        263        222        441
                                                 57%        53%        61%        54%        56%        65%        64%                  100%        58%        54%        61%        62%
                                                                         B

                CHI-SQUARE                           <-------13.48-------> <------------------15.39------------------> <--------1853-------> <--------2.75-------> <--------.13-------->
                SIGNIFICANCE                                  100%                             100%                             100%                  90%                   28%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                      Table LANG Page 5

Language of interview
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       English                        1828      1081       747       747       789       134       157      1589       239      1201       627        67      1001        77        56       627
                                       99%       98%       99%       99%       98%       99%       96%       99%       99%       98%      100%      100%       99%       82%      100%      100%
                                                                                                                                             J         N         N                   N         N

       French                           25        20         5         5        13         1         6        24         1        25         1         -         8        17         -         1
                                        1%        2%        1%        1%        2%        1%        4%        1%        1%        2%        *%                  1%       18%                  *%
                                                                                                                                   K                                      MP

       CHI-SQUARE                          <-------3.94------> <-----------------8.91----------------> <-------1.34------> <------11.16------> <---------------------205.98-------------------->
       SIGNIFICANCE                                95%                           97%                           75%                 100%                              100%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table LANG Page 6

Language of interview
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                English                         1828        816       1011        853        490        271        214        784       1044       1318        477        357        698
                                                 99%        99%        98%        98%        99%        99%        98%        99%        98%        99%        98%        98%        98%

                French                            25          6         20         14          5          2          4          9         16         14         10          8         12
                                                  1%         1%         2%         2%         1%         1%         2%         1%         2%         1%         2%         2%         2%

                CHI-SQUARE                           <--------5.17-------> <-------------------1.9-------------------> <--------.63--------> <--------2.58-------> <--------.33-------->
                SIGNIFICANCE                                  98%                              41%                              57%                   89%                   43%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                       Table Q2A Page 7

Q2 CONTACT: The National Student Loans Service Centre
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       Yes                            1333       814       518       518       529       127       158      1153       180       862       471        45       708        67        42       471
                                       72%       74%       69%       69%       66%       94%       97%       71%       75%       70%       75%       67%       70%       71%       74%       75%
                                                                                          DE        DE

       No                              487       275       212       212       263         8         4       434        54       348       140        19       292        23        13       140
                                       26%       25%       28%       28%       33%        6%        3%       27%       22%       28%       22%       29%       29%       24%       24%       22%
                                                                      FG        FG

       DK/NA                            33        11        22        22        10         0         -        26         7        16        17         2         9         4         1        17
                                        2%        1%        3%        3%        1%        *%                  2%        3%        1%        3%        4%        1%        4%        2%        3%
                                                                       F                                                                               M                   M

       CHI-SQUARE                          <-------13.5------> <----------------111.01---------------> <-------4.3-------> <------11.65------> <---------------------21.24--------------------->
       SIGNIFICANCE                                100%                          100%                          88%                 100%                               99%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                       Table Q2A Page 8

Q2 CONTACT: The National Student Loans Service Centre
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                Yes                             1333        583        749        619        369        199        146        555        777       1333          -        332        461
                                                 72%        71%        73%        71%        74%        73%        67%        70%        73%       100%                   91%        65%
                                                                                                                                                                            M

                No                               487        216        271        234        118         70         66        224        263          -        487         32        238
                                                 26%        26%        26%        27%        24%        26%        30%        28%        25%                  100%         9%        34%
                                                                                                                                                                                       L

                DK/NA                             33         22         11         14          9          4          6         13         20          -          -          0         10
                                                  2%         3%         1%         2%         2%         1%         3%         2%         2%                               *%         1%

                CHI-SQUARE                           <--------7.24-------> <-------------------4.9-------------------> <--------2.81-------> <------1820.09------> <-------84.34------->
                SIGNIFICANCE                                  97%                              44%                              76%                  100%*                  100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                       Table Q2B Page 9

Q2 CONTACT: The 1-800 O Canada phone number
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       Yes                             264       165        99        99        93        38        34       222        42       161       103        12       122        18        10       103
                                       14%       15%       13%       13%       12%       28%       21%       14%       18%       13%       16%       18%       12%       19%       18%       16%
                                                                                          DE         E                                                                     M

       No                             1515       884       631       631       678        91       115      1329       186      1016       500        53       845        73        45       500
                                       82%       80%       84%       84%       84%       68%       71%       82%       77%       83%       80%       80%       84%       77%       80%       80%
                                                                      FG        FG

       DK/NA                            73        51        22        22        32         5        14        61        12        49        24         2        42         4         1        24
                                        4%        5%        3%        3%        4%        4%        9%        4%        5%        4%        4%        3%        4%        4%        2%        4%
                                                                                                     D

       CHI-SQUARE                          <-------5.07------> <----------------46.19----------------> <-------3.6-------> <-------3.63------> <---------------------10.27--------------------->
       SIGNIFICANCE                                92%                           100%                          83%                 84%                                75%

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                      Table Q2B Page 10

Q2 CONTACT: The 1-800 O Canada phone number
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                Yes                              264        117        148        105         68         42         50        117        147        244         19         83         79
                                                 14%        14%        14%        12%        14%        15%        23%        15%        14%        18%         4%        23%        11%
                                                                                                                     D                                K                     M

                No                              1515        675        839        727        404        226        159        647        868       1022        466        256        607
                                                 82%        82%        81%        84%        82%        83%        73%        82%        82%        77%        96%        70%        86%
                                                                                    G                                                                            J                     L

                DK/NA                             73         29         44         36         23          5          9         28         45         67          3         26         23
                                                  4%         4%         4%         4%         5%         2%         4%         4%         4%         5%         1%         7%         3%
                                                                                                                                                      K

                CHI-SQUARE                           <--------.66--------> <------------------21.05------------------> <--------.94--------> <-------85.39-------> <-------36.79------->
                SIGNIFICANCE                                  28%                              100%                             37%                   100%                  100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                      Table Q2C Page 11

Q2 CONTACT: The Canada Student Loans Program at the Government of Canada
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       Yes                             198        96       102       102        49        22        25       172        25       130        68        11       102        11         7        68
                                       11%        9%       14%       14%        6%       16%       15%       11%       10%       11%       11%       16%       10%       11%       12%       11%
                                                                       E                   E         E

       No                             1586       964       623       623       727       107       129      1381       205      1058       529        54       876        80        48       529
                                       86%       88%       83%       83%       91%       79%       80%       86%       85%       86%       84%       80%       87%       85%       86%       84%
                                                                               DFG

       DK/NA                            69        41        28        28        26         6         9        59        10        39        31         2        32         3         1        31
                                        4%        4%        4%        4%        3%        4%        5%        4%        4%        3%        5%        3%        3%        3%        3%        5%

       CHI-SQUARE                          <-------10.9------> <----------------34.18----------------> <--------.1-------> <-------3.52------> <----------------------6.2---------------------->
       SIGNIFICANCE                                100%                          100%                           5%                 83%                                38%

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                      Table Q2C Page 12

Q2 CONTACT: The Canada Student Loans Program at the Government of Canada
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                Yes                              198        112         86         81         47         38         31         98        100        185         13         39         56
                                                 11%        14%         8%         9%        10%        14%        14%        12%         9%        14%         3%        11%         8%
                                                                                                                                                      K

                No                              1586        670        915        748        431        230        178        665        921       1090        468        300        639
                                                 86%        82%        89%        86%        87%        84%        82%        84%        87%        82%        96%        82%        90%
                                                                         B                                                                                       J                     L

                DK/NA                             69         39         29         38         17          5          9         30         39         58          7         25         14
                                                  4%         5%         3%         4%         3%         2%         4%         4%         4%         4%         1%         7%         2%
                                                                                                                                                      K                     M

                CHI-SQUARE                           <-------19.41-------> <------------------11.67------------------> <--------4.15-------> <-------58.49-------> <-------19.32------->
                SIGNIFICANCE                                  100%                             93%                              87%                   100%                  100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                       Table Q3 Page 13

Q3 Is it clear what is included, and not included, when answering the questions on service quality?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       Yes                            1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                      100%      100%      100%      100%      100%      100%      100%      100%      100%      100%      100%      100%      100%      100%      100%      100%

       CHI-SQUARE                          <--------.0-------> <------------------.0-----------------> <--------.0-------> <--------.0-------> <-----------------------.0---------------------->
       SIGNIFICANCE                                 %*                            %*                            %*                  %*                                 %*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                       Table Q3 Page 14

Q3 Is it clear what is included, and not included, when answering the questions on service quality?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                Yes                             1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                100%       100%       100%       100%       100%       100%       100%       100%       100%       100%       100%       100%       100%

                CHI-SQUARE                           <---------.0--------> <--------------------.0-------------------> <---------.0--------> <---------.0--------> <---------.0-------->
                SIGNIFICANCE                                   %*                               %*                               %*                    %*                    %*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                       Table Q4 Page 15

Q4 What was the purpose of your contact with the National Student Loans Service Centre?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1333       814       518       518       529       127       158      1153       180       862       471        45       708        67        42       471
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       Inquires related to             441       296       144       144       189        60        48       382        59       294       146        14       242        24        14       146
       repayment/payments/             33%       36%       28%       28%       36%       47%       30%       33%       33%       34%       31%       32%       34%       35%       34%       31%
       billing/                                                                          DEG

       Status of loan                  192        94        98        98        81         6         7       173        19       128        64         6       108         9         5        64
                                       14%       12%       19%       19%       15%        5%        4%       15%       11%       15%       14%       14%       15%       14%       12%       14%
                                                                      FG        FG

       Interest Relief                 117       109         8         8        28        22        60        96        22        73        44         3        60         7         4        44
       (specific mentions only)         9%       13%        2%        2%        5%       17%       38%        8%       12%        8%        9%        6%        8%       10%        9%        9%
                                                   C                                      DE       DEF

       Repayment Assistance             97        75        22        22        28        17        30        83        14        61        36         2        50         6         3        36
       Plan (RAP)                       7%        9%        4%        4%        5%       13%       19%        7%        8%        7%        8%        4%        7%        9%        8%        8%
                                                   C                                      DE        DE

       Update personal                  95        75        20        20        58         9         8        81        14        53        41         7        34         8         5        41
       information                      7%        9%        4%        4%       11%        7%        5%        7%        8%        6%        9%       15%        5%       13%       12%        9%
                                                   C                             D                                                                     M                   M         M

       General question                 94        58        37        37        45         8         5        84        10        60        34         4        49         5         2        34
                                        7%        7%        7%        7%        9%        6%        3%        7%        5%        7%        7%        8%        7%        8%        5%        7%
                                                                                 G

       Inquiries related to             74        58        16        16        29        13        16        59        15        45        29         3        37         4         2        29
       difficulties/assistance          6%        7%        3%        3%        5%       10%       10%        5%        8%        5%        6%        6%        5%        5%        4%        6%
       repaying loan                                                                       D         D

       Re-payment/payments/             66        54        12        12        34        11        10        55        11        47        19         3        36         4         4        19
       billing (other-                  5%        7%        2%        2%        6%        9%        6%        5%        6%        6%        4%        6%        5%        6%       10%        4%
       specified)                                  C                                       D                                                                                         P

       Disbursement/receipt of          66        15        50        50        10         4         2        57         8        39        27         2        32         3         2        27
       money for student loan           5%        2%       10%       10%        2%        3%        1%        5%        5%        5%        6%        4%        5%        5%        5%        6%
       or grant                                              B       EFG

       Received income tax              65        62         3         3        61         1         0        54        11        35        30         3        25         4         3        30
       statement                        5%        8%        1%        1%       12%        1%        *%        5%        6%        4%        6%        6%        4%        6%        7%        6%
                                                   C                           DFG

       Apply for loan                   58         6        52        52         2         3         2        43        15        34        25         3        29         1         1        25
                                        4%        1%       10%       10%        *%        2%        1%        4%        8%        4%        5%        7%        4%        1%        2%        5%
                                                             B       EFG                                                                               N                                       N

       Form/letter request              39        17        22        22        13         2         2        34         5        29        10         1        25         1         1        10
                                        3%        2%        4%        4%        3%        1%        1%        3%        3%        3%        2%        3%        4%        2%        2%        2%

       Check balance                    34        22        13        13        19         2         1        31         3        16        18         0        13         2         1        18
                                        3%        3%        2%        2%        4%        2%        *%        3%        2%        2%        4%        1%        2%        3%        3%        4%
                                                                                 G                                                                                                             L

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                       Table Q4 Page 16
                                                                                                                                                                                       (Continued)

Q4 What was the purpose of your contact with the National Student Loans Service Centre?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Inquiries related to             34        15        19        19        14         0         1        29         5        14        20         1        13         1         0        20
       difficulties with online         3%        2%        4%        4%        3%        *%        *%        2%        3%        2%        4%        2%        2%        1%        *%        4%
       account                                                                                                                                                                                 O

       General inquiries                34         9        24        24         8         0         1        28         6        26         8         -        25         1         0         8
                                        3%        1%        5%        5%        1%        *%        1%        2%        3%        3%        2%                  4%        1%        *%        2%
                                                                      FG                                                                                         O

       Interest relief (other-          33        18        15        15        10         4         3        28         4        26         7         1        22         2         1         7
       specified)                       2%        2%        3%        3%        2%        3%        2%        2%        2%        3%        2%        2%        3%        3%        2%        2%

       Proof of enrollment/             26         5        21        21         -         2         2        26         -        10        15         0         8         2         0        15
       student status                   2%        1%        4%        4%                  2%        1%        2%                  1%        3%        1%        1%        2%        1%        3%
                                                             B

       Make changes related to          25        24         1         1        15         4         4        21         4        13        12         2         7         2         2        12
       payment/billing                  2%        3%        *%        *%        3%        3%        3%        2%        2%        2%        2%        5%        1%        3%        6%        2%
                                                   C                                       D         D                                                 M                             M

       Inquiries about grants           21        12         9         9         9         1         3        18         3        18         3         1        17         0         -         3
                                        2%        2%        2%        2%        2%        1%        2%        2%        2%        2%        1%        2%        2%        *%                  1%

       Change of address/               18        13         4         4         8         2         3        16         2        12         6         1         9         0         1         6
       banking information              1%        2%        1%        1%        2%        1%        2%        1%        1%        1%        1%        3%        1%        1%        2%        1%

       Revision of Terms                13         7         6         6         5         0         2        12         1         9         3         1         7         1         0         3
                                        1%        1%        1%        1%        1%        *%        1%        1%        *%        1%        1%        2%        1%        2%        *%        1%

       Regarding a late payment         10        10         0         0         5         3         2        10         0         8         2         1         7         0         0         2
                                        1%        1%        *%        *%        1%        2%        1%        1%        *%        1%        *%        2%        1%        *%        *%        *%

       Cancel a loan                     6         3         3         3         3         -         -         4         1         0         6         0         -         -         -         6
                                        *%        *%        1%        1%        1%                            *%        1%        *%        1%        1%                                      1%

       Debt Reduction in                 3         3         -         -         0         0         3         2         1         3         -         0         2         1         0         -
       Repayment                        *%        *%                            *%        *%        2%        *%        1%        *%                  1%        *%        1%        1%          

       Other                            34        14        19        19         5         1         8        31         3        24        10         2        19         2         1        10
                                        3%        2%        4%        4%        1%        1%        5%        3%        2%        3%        2%        4%        3%        3%        2%        2%
                                                                                                    EF

       DK/NA                             1         1         0         0         -         0         0         1         0         1         0         0         -         0         0         0
                                        *%        *%        *%        *%                  *%        *%        *%        *%        *%        *%        1%                  *%        *%        *%

       CHI-SQUARE                          <------323.17-----> <----------------614.88---------------> <------24.76------> <------53.51------> <---------------------102.99-------------------->
       SIGNIFICANCE                               100%*                         100%*                          52%*               100%*                               60%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                       Table Q4 Page 17

Q4 What was the purpose of your contact with the National Student Loans Service Centre?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1333        583        749        619        369        199        146        555        777       1333          -        332        461
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                Inquires related to              441        183        257        170        144         65         61        189        251        441          -        131        157
                repayment/payments/              33%        31%        34%        27%        39%        33%        42%        34%        32%        33%                   39%        34%
                billing/                                                                       D                     D

                Status of loan                   192         96         96         82         54         33         22         97         95        192          -         19         71
                                                 14%        17%        13%        13%        15%        17%        15%        17%        12%        14%                    6%        15%
                                                                                                                                                                                       L

                Interest Relief                  117         20         97         30         49         20         19         35         82        117          -         77         28
                (specific mentions only)          9%         3%        13%         5%        13%        10%        13%         6%        11%         9%                   23%         6%
                                                                         B                     D                                                                            M

                Repayment Assistance              97         24         72         41         27         23          7         37         60         97          -         50         21
                Plan (RAP)                        7%         4%        10%         7%         7%        11%         5%         7%         8%         7%                   15%         5%
                                                                         B                                                                                                  M

                Update personal                   95         27         68         40         34          9         11         24         71         95          -         31         43
                information                       7%         5%         9%         6%         9%         5%         8%         4%         9%         7%                    9%         9%
                                                                                                                                           H

                General question                  94         48         46         53         25         12          4         44         50         94          -         12         44
                                                  7%         8%         6%         9%         7%         6%         3%         8%         6%         7%                    4%        10%
                                                                                                                                                                                       L

                Inquiries related to              74         23         51         22         40          9          3         36         39         74          -         41         17
                difficulties/assistance           6%         4%         7%         4%        11%         5%         2%         6%         5%         6%                   12%         4%
                repaying loan                                                                 DG                                                                            M

                Re-payment/payments/              66         22         44         28         16          8         14         20         47         66          -         23         30
                billing (other-                   5%         4%         6%         5%         4%         4%        10%         4%         6%         5%                    7%         7%
                specified)               

                Disbursement/receipt of           66         57          9         50          8          5          3         28         37         66          -          5         10
                money for student loan            5%        10%         1%         8%         2%         2%         2%         5%         5%         5%                    1%         2%
                or grant                                      C                   EFG

                Received income tax               65          7         58         21         26         17          1         22         43         65          -         12         50
                statement                         5%         1%         8%         3%         7%         8%         1%         4%         6%         5%                    3%        11%
                                                                         B                     G          G                                                                            L

                Apply for loan                    58         50          8         47          5          3          2         22         36         58          -          4          2
                                                  4%         9%         1%         8%         1%         2%         2%         4%         5%         4%                    1%         *%
                                                              C                   EFG

                Form/letter request               39         23         16         24          1          3         11         10         29         39          -          4         13
                                                  3%         4%         2%         4%         *%         1%         8%         2%         4%         3%                    1%         3%
                                                                                    E                                E

                Check balance                     34         13         21         22          7          1          4         12         22         34          -          3         18
                                                  3%         2%         3%         3%         2%         1%         3%         2%         3%         3%                    1%         4%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                       Table Q4 Page 18
                                                                                                                                                                                       (Continued)

Q4 What was the purpose of your contact with the National Student Loans Service Centre?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Inquiries related to              34         14         20         22          5          7          -          3         31         34          -          3         12
                difficulties with online          3%         2%         3%         4%         1%         4%                    1%         4%         3%                    1%         3%
                account                                                                                                                    H

                General inquiries                 34         24          9         19          -         12          3          9         25         34          -          1          8
                                                  3%         4%         1%         3%                    6%         2%         2%         3%         3%                    *%         2%

                Interest relief (other-           33         17         16         21          5          5          1         19         14         33          -          5         13
                specified)                        2%         3%         2%         3%         1%         3%         1%         3%         2%         2%                    1%         3%

                Proof of enrollment/              26         25          1          8          4         11          2         12         14         26          -          3          1
                student status                    2%         4%         *%         1%         1%         6%         2%         2%         2%         2%                    1%         *%
                                                              C

                Make changes related to           25          6         19          8         10          4          3          8         17         25          -         11         13
                payment/billing                   2%         1%         3%         1%         3%         2%         2%         1%         2%         2%                    3%         3%

                Inquiries about grants            21         11         10         11          7          0          3         14          7         21          -          2         10
                                                  2%         2%         1%         2%         2%         *%         2%         2%         1%         2%                    1%         2%

                Change of address/                18          6         12         10          3          2          3          9          8         18          -          8          6
                banking information               1%         1%         2%         2%         1%         1%         2%         2%         1%         1%                    2%         1%

                Revision of Terms                 13         11          2          7          1          1          4          2         11         13          -          5          2
                                                  1%         2%         *%         1%         *%         1%         2%         *%         1%         1%                    2%         *%

                Regarding a late payment          10          2          8          4          5          0          1          2          8         10          -          8          2
                                                  1%         *%         1%         1%         1%         *%         *%         *%         1%         1%                    2%         *%

                Cancel a loan                      6          4          2          4          1          -          -          1          4          6          -          -          3
                                                  *%         1%         *%         1%         *%                               *%         1%         *%                               1%

                Debt Reduction in                  3          2          1          2          0          0          1          2          1          3          -          2          1
                Repayment                         *%         *%         *%         *%         *%         *%         1%         *%         *%         *%                    1%         *%

                Other                             34         18         15         20          5          3          6         17         17         34          -          9          4
                                                  3%         3%         2%         3%         1%         2%         4%         3%         2%         3%                    3%         1%

                DK/NA                              1          -          1          0          0          0          0          0          0          1          -          0          0
                                                  *%                    *%         *%         *%         *%         *%         *%         *%         *%                    *%         *%

                CHI-SQUARE                           <-------258.79------> <------------------262.5------------------> <-------71.71-------> <---------.0--------> <-------160.07------>
                SIGNIFICANCE                                 100%*                            100%*                            100%*                   %*                  100%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q5A Page 19

Q5 How satisfied were you with this aspect of service? a. The amount of time you had to wait to speak with a customer service representative
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1119       716       403       403       435       124       157       972       147       714       405        40       579        58        37       405
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Very dissatisfied            53        30        23        23        17         7         6        44         9        30        23         3        21         3         2        23
                                        5%        4%        6%        6%        4%        6%        4%        5%        6%        4%        6%        8%        4%        5%        6%        6%

       2                               110        57        53        53        29        12        16       102         8        68        42         5        56         4         3        42
                                       10%        8%       13%       13%        7%       10%       10%       10%        6%       10%       10%       13%       10%        6%        9%       10%

       3                               281       199        82        82       121        32        46       250        31       180       101        11       145        13        11       101
                                       25%       28%       20%       20%       28%       26%       29%       26%       21%       25%       25%       28%       25%       22%       30%       25%

       4                               414       247       167       167       161        41        45       352        61       273       141        12       229        21        10       141
                                       37%       35%       41%       41%       37%       33%       29%       36%       42%       38%       35%       30%       40%       37%       27%       35%
                                                                       G                                                                                         O

       5 - Very satisfied              220       165        55        55        92        30        43       188        32       141        79         7       108        17         9        79
                                       20%       23%       14%       14%       21%       24%       27%       19%       22%       20%       20%       18%       19%       28%       24%       20%
                                                   C                                       D         D                                                                    LM

       Does not apply                  214        98       115       115        94         3         2       181        32       148        66         5       129         9         5        66
                                       19%       14%       29%       29%       22%        2%        1%       19%       22%       21%       16%       12%       22%       16%       13%       16%
                                                             B        FG        FG                                                                              LO

       DK/NA                            41        19        22        22        15         3         1        35         5        22        18         1        19         1         1        18
                                        4%        3%        5%        5%        3%        2%        1%        4%        4%        3%        5%        3%        3%        1%        3%        5%
                                                                       G

       TOP 2 BOX                       634       412       222       222       253        70        88       540        94       413       221        19       337        38        19       221
                                       57%       58%       55%       55%       58%       57%       56%       56%       64%       58%       54%       48%       58%       65%       51%       54%
                                                                                                                                                                         LOP

       BOTTOM 2 BOX                    163        87        77        77        46        19        21       146        17        98        65         8        77         7         6        65
                                       15%       12%       19%       19%       11%       15%       14%       15%       12%       14%       16%       21%       13%       12%       16%       16%
                                                                                                                                                       N

       CHI-SQUARE                          <------28.59------> <----------------35.71----------------> <-------6.35------> <-------2.25------> <---------------------11.41--------------------->
       SIGNIFICANCE                               100%*                         100%*                          83%*                31%*                               22%*
       MEAN                            3.6       3.7       3.5       3.5       3.7       3.6       3.7       3.6       3.7       3.6       3.5       3.4       3.6       3.8       3.5       3.5
                                                                                                                                                                           L

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q5A Page 20

Q5 How satisfied were you with this aspect of service? a. The amount of time you had to wait to speak with a customer service representative
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1119        468        649        502        322        170        125        470        649       1119          -        323        375
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Very dissatisfied             53         35         19         20         15         12          6         33         20         53          -         14         14
                                                  5%         7%         3%         4%         5%         7%         4%         7%         3%         5%                    4%         4%

                2                                110         64         46         71         23          6         11         44         66        110          -         27         28
                                                 10%        14%         7%        14%         7%         3%         9%         9%        10%        10%                    8%         8%
                                                              C                     F

                3                                281        113        168        128         89         25         39        123        158        281          -        101         94
                                                 25%        24%        26%        25%        28%        15%        31%        26%        24%        25%                   31%        25%
                                                                                               F                     F

                4                                414        173        239        186        106         83         40        173        241        414          -         93        149
                                                 37%        37%        37%        37%        33%        49%        32%        37%        37%        37%                   29%        40%
                                                                                                          E                                                                            L

                5 - Very satisfied               220         61        159         89         74         30         27         75        146        220          -         76         83
                                                 20%        13%        24%        18%        23%        18%        22%        16%        22%        20%                   24%        22%
                                                                         B

                Does not apply                   214        114         99        117         47         29         21         85        128        214          -          9         86
                                                 19%        24%        15%        23%        15%        17%        17%        18%        20%        19%                    3%        23%
                                                              C                                                                                                                        L

                DK/NA                             41         22         19          9         15         14          2         22         18         41          -         11          8
                                                  4%         5%         3%         2%         5%         8%         2%         5%         3%         4%                    3%         2%

                TOP 2 BOX                        634        235        398        275        180        113         67        247        387        634          -        169        232
                                                 57%        50%        61%        55%        56%        67%        54%        53%        60%        57%                   52%        62%
                                                                         B

                BOTTOM 2 BOX                     163         99         64         91         38         18         17         77         86        163          -         41         42
                                                 15%        21%        10%        18%        12%        11%        13%        16%        13%        15%                   13%        11%
                                                              C

                CHI-SQUARE                           <-------42.21-------> <------------------43.96------------------> <-------15.03-------> <---------.0--------> <--------8.94------->
                SIGNIFICANCE                                 100%*                            100%*                            100%*                   %*                   94%*
                MEAN                             3.6        3.4        3.8        3.5        3.7        3.7        3.6        3.5        3.7        3.6                   3.6        3.7
                                                                         B

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q5B Page 21

Q5 How satisfied were you with this aspect of service? b. The competence of the staff
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1135       719       416       416       438       124       157       981       154       724       411        42       583        61        38       411
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Very dissatisfied            13        13         -         -         6         4         2         6         7         7         6         1         3         2         1         6
                                        1%        2%                            1%        3%        1%        1%        4%        1%        1%        3%        *%        4%        2%        1%
                                                                                                                                                                           M

       2                                35        20        15        15         7         4         9        31         4        31         4         1        26         3         1         4
                                        3%        3%        4%        4%        2%        3%        6%        3%        2%        4%        1%        3%        5%        4%        3%        1%
                                                                                                     E                             K

       3                               144        94        50        50        51        18        25       131        13        99        45         6        85         5         3        45
                                       13%       13%       12%       12%       12%       15%       16%       13%        8%       14%       11%       14%       15%        8%        9%       11%

       4                               401       233       168       168       145        40        48       345        57       237       165        14       193        15        15       165
                                       35%       32%       40%       40%       33%       33%       30%       35%       37%       33%       40%       33%       33%       24%       40%       40%
                                                                                                                                                                                     N         N

       5 - Very satisfied              530       356       175       175       225        57        73       459        71       344       186        20       270        37        17       186
                                       47%       49%       42%       42%       51%       46%       47%       47%       46%       48%       45%       47%       46%       60%       46%       45%
                                                                                                                                                                        LMOP

       Does not apply                  198        96       102       102        91         3         1       172        25       138        60         3       125         6         4        60
                                       17%       13%       25%       25%       21%        3%        1%       18%       16%       19%       15%        6%       21%       10%       11%       15%
                                                             B        FG        FG                                                                             LNO                             L

       DK/NA                            11         3         8         8         3         -         -         8         3         6         5         0         6         -         0         5
                                        1%        *%        2%        2%        1%                            1%        2%        1%        1%        1%        1%                  *%        1%

       TOP 2 BOX                       932       589       343       343       371        97       121       804       128       581       351        34       463        52        32       351
                                       82%       82%       82%       82%       85%       79%       77%       82%       83%       80%       85%       80%       79%       84%       86%       85%

       BOTTOM 2 BOX                     48        33        15        15        13         8        11        37        10        38        10         2        29         5         2        10
                                        4%        5%        4%        4%        3%        7%        7%        4%        7%        5%        2%        6%        5%        8%        5%        2%
                                                                                                                                                                           P

       CHI-SQUARE                          <------15.92------> <----------------28.98----------------> <------21.05------> <------16.09------> <---------------------30.85--------------------->
       SIGNIFICANCE                               100%*                         100%*                         100%*               100%*                               99%*
       MEAN                            4.2       4.3       4.2       4.2       4.3       4.1       4.1       4.3       4.2       4.2       4.3       4.2       4.2       4.3       4.3       4.3

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q5B Page 22

Q5 How satisfied were you with this aspect of service? b. The competence of the staff
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1135        492        642        508        340        161        125        457        678       1135          -        317        385
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Very dissatisfied             13          3         10          3          5          2          3          3         10         13          -          7          6
                                                  1%         1%         2%         1%         1%         2%         3%         1%         2%         1%                    2%         1%

                2                                 35         22         13         23          6          4          1         25         10         35          -         12          7
                                                  3%         4%         2%         5%         2%         3%         1%         5%         1%         3%                    4%         2%
                                                                                                                                I

                3                                144         59         84         65         57         14          8         46         98        144          -         50         43
                                                 13%        12%        13%        13%        17%         9%         6%        10%        14%        13%                   16%        11%
                                                                                               G

                4                                401        207        194        185        114         60         43        155        246        401          -         99        130
                                                 35%        42%        30%        36%        33%        37%        34%        34%        36%        35%                   31%        34%
                                                              C

                5 - Very satisfied               530        193        337        230        156         75         70        226        304        530          -        146        200
                                                 47%        39%        53%        45%        46%        47%        56%        50%        45%        47%                   46%        52%
                                                                         B

                Does not apply                   198         91        107        111         29         38         21         98         99        198          -         15         76
                                                 17%        18%        17%        22%         8%        23%        17%        22%        15%        17%                    5%        20%
                                                                                    E                     E                                                                            L

                DK/NA                             11          8          3          2          3          6          0          2          9         11          -          3          0
                                                  1%         2%         *%         *%         1%         4%         *%         1%         1%         1%                    1%         *%

                TOP 2 BOX                        932        400        531        415        269        135        113        381        551        932          -        245        330
                                                 82%        81%        83%        82%        79%        84%        90%        83%        81%        82%                   78%        86%
                                                                                                                     E

                BOTTOM 2 BOX                      48         25         23         26         11          7          4         27         20         48          -         19         13
                                                  4%         5%         4%         5%         3%         4%         4%         6%         3%         4%                    6%         3%

                CHI-SQUARE                           <-------29.68-------> <------------------26.22------------------> <-------21.35-------> <---------.0--------> <--------7.12------->
                SIGNIFICANCE                                 100%*                             99%*                            100%*                   %*                   87%*
                MEAN                             4.2        4.2        4.3        4.2        4.2        4.3        4.4        4.3        4.2        4.2                   4.2        4.3

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q5C Page 23

Q5 How satisfied were you with this aspect of service? c. The courteousness of the staff
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1144       732       412       412       448       126       157       991       153       729       415        41       589        61        38       415
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Very dissatisfied            12         5         7         7         1         2         1         9         3         8         3         1         7         1         1         3
                                        1%        1%        2%        2%        *%        2%        *%        1%        2%        1%        1%        1%        1%        1%        2%        1%

       2                                17        12         4         4         4         5         4        13         4         9         7         2         5         1         1         7
                                        1%        2%        1%        1%        1%        4%        2%        1%        3%        1%        2%        4%        1%        2%        3%        2%

       3                                90        67        23        23        31        12        23        73        17        57        33         5        45         5         2        33
                                        8%        9%        6%        6%        7%       10%       15%        7%       11%        8%        8%       13%        8%        7%        6%        8%
                                                                                                    DE                                                 O

       4                               349       208       140       140       140        29        38       303        46       220       129        12       183        13        12       129
                                       30%       28%       34%       34%       31%       23%       24%       31%       30%       30%       31%       30%       31%       21%       32%       31%
                                                                                                                                                                                     N         N

       5 - Very satisfied              666       430       236       236       263        76        91       583        83       428       238        21       345        41        21       238
                                       58%       59%       57%       57%       59%       61%       58%       59%       54%       59%       57%       51%       59%       66%       56%       57%
                                                                                                                                                                           L

       Does not apply                  189        83       106       106        81         1         1       162        27       133        56         4       119         6         4        56
                                       16%       11%       26%       26%       18%        1%        1%       16%       18%       18%       13%        9%       20%       10%       11%       13%
                                                             B        FG        FG                                                                             LNO

       DK/NA                            11        10         1         1         9         1         1        11         0         7         4         0         5         1         0         4
                                        1%        1%        *%        *%        2%        1%        *%        1%        *%        1%        1%        1%        1%        2%        1%        1%

       TOP 2 BOX                      1014       638       377       377       403       106       129       886       128       648       367        33       528        54        33       367
                                       89%       87%       91%       91%       90%       84%       82%       89%       84%       89%       88%       81%       90%       88%       88%       88%
                                                                       G         G                                                                               L

       BOTTOM 2 BOX                     28        17        12        12         5         7         4        21         7        18        11         2        12         2         2        11
                                        2%        2%        3%        3%        1%        6%        3%        2%        5%        2%        3%        5%        2%        3%        5%        3%
                                                                                           E

       CHI-SQUARE                          <------10.58------> <----------------32.41----------------> <-------6.2-------> <-------1.01------> <----------------------9.19--------------------->
       SIGNIFICANCE                                97%*                         100%*                          82%*                9%*                                9%*
       MEAN                            4.4       4.4       4.4       4.4       4.5       4.4       4.4       4.5       4.3       4.5       4.4       4.3       4.5       4.5       4.4       4.4
                                                                                                                                                                           L

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q5C Page 24

Q5 How satisfied were you with this aspect of service? c. The courteousness of the staff
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1144        484        659        510        335        174        125        469        675       1144          -        323        392
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Very dissatisfied             12          8          4          8          1          1          2          1         11         12          -          3          1
                                                  1%         2%         1%         1%         *%         1%         1%         *%         2%         1%                    1%         *%

                2                                 17          6         11          8          7          1          1          5         12         17          -          7          5
                                                  1%         1%         2%         2%         2%         1%         1%         1%         2%         1%                    2%         1%

                3                                 90         34         55         32         33         15         10         43         47         90          -         36         30
                                                  8%         7%         8%         6%        10%         8%         8%         9%         7%         8%                   11%         8%

                4                                349        166        183        143        109         57         40        143        206        349          -         83        121
                                                 30%        34%        28%        28%        33%        32%        32%        30%        30%        30%                   26%        31%

                5 - Very satisfied               666        270        395        315        184         95         72        271        395        666          -        188        230
                                                 58%        56%        60%        62%        55%        55%        57%        58%        58%        58%                   58%        59%

                Does not apply                   189         99         90        109         34         24         21         86        103        189          -          9         69
                                                 16%        20%        14%        21%        10%        14%        17%        18%        15%        16%                    3%        18%
                                                                                    E                                                                                                  L

                DK/NA                             11          0         11          3          1          6          1          6          5         11          -          6          5
                                                  1%         *%         2%         1%         *%         3%         1%         1%         1%         1%                    2%         1%
                                                                         B

                TOP 2 BOX                       1014        436        578        459        293        152        111        414        601       1014          -        272        351
                                                 89%        90%        88%        90%        87%        87%        89%        88%        89%        89%                   84%        90%

                BOTTOM 2 BOX                      28         13         15         16          8          2          3          6         23         28          -         10          7
                                                  2%         3%         2%         3%         2%         1%         2%         1%         3%         2%                    3%         2%

                CHI-SQUARE                           <--------7.98-------> <-------------------12.1------------------> <--------8.97-------> <---------.0--------> <--------5.54------->
                SIGNIFICANCE                                  91%*                             56%*                             94%*                   %*                   76%*
                MEAN                             4.4        4.4        4.5        4.5        4.4        4.4        4.4        4.5        4.4        4.4                   4.4        4.5

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q5D Page 25

Q5 How satisfied were you with this aspect of service? d. The extent to which the service was provided in a fair manner
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1269       789       480       480       503       127       158      1093       175       809       459        44       664        62        40       459
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Very dissatisfied            23        17         6         6         9         5         3        20         4        18         5         0        16         1         1         5
                                        2%        2%        1%        1%        2%        4%        2%        2%        2%        2%        1%        1%        2%        2%        2%        1%

       2                                22        12        10        10         6         6         1        16         6        15         8         1        11         2         1         8
                                        2%        2%        2%        2%        1%        5%        1%        1%        4%        2%        2%        3%        2%        3%        2%        2%
                                                                                           G

       3                               114        70        45        45        38        12        19       100        14        74        40         5        62         4         3        40
                                        9%        9%        9%        9%        8%       10%       12%        9%        8%        9%        9%       11%        9%        6%        7%        9%

       4                               449       271       178       178       185        35        52       394        55       308       141        15       261        19        13       141
                                       35%       34%       37%       37%       37%       27%       33%       36%       32%       38%       31%       34%       39%       31%       34%       31%

       5 - Very satisfied              653       416       237       237       266        69        82       560        93       393       260        22       314        36        21       260
                                       51%       53%       49%       49%       53%       54%       52%       51%       53%       49%       57%       50%       47%       58%       54%       57%
                                                                                                                                                                           M

       Does not apply                   64        26        38        38        26         0         0        60         4        53        11         1        45         5         2        11
                                        5%        3%        8%        8%        5%        *%        *%        5%        2%        7%        2%        3%        7%        8%        5%        2%
                                                                      FG        FG                                                 K                                      LP

       DK/NA                             7         1         5         5         -         1         1         3         3         1         5         0         1         -         0         5
                                        1%        *%        1%        1%                  *%        *%        *%        2%        *%        1%        1%        *%                  1%        1%

       TOP 2 BOX                      1102       688       415       415       450       103       134       954       148       701       401        37       574        56        35       401
                                       87%       87%       86%       86%       89%       81%       85%       87%       85%       87%       87%       84%       87%       89%       88%       87%
                                                                                 F

       BOTTOM 2 BOX                     45        30        16        16        15        11         4        35        10        33        13         2        27         3         2        13
                                        4%        4%        3%        3%        3%        9%        2%        3%        6%        4%        3%        4%        4%        5%        4%        3%
                                                                                         DEG

       CHI-SQUARE                          <-------3.1-------> <----------------19.82----------------> <-------5.38------> <------10.45------> <---------------------16.14--------------------->
       SIGNIFICANCE                                46%*                          93%*                          75%*                97%*                               56%*
       MEAN                            4.3       4.3       4.3       4.3       4.4       4.2       4.3       4.3       4.3       4.3       4.4       4.3       4.3       4.4       4.4       4.4

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q5D Page 26

Q5 How satisfied were you with this aspect of service? d. The extent to which the service was provided in a fair manner
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1269        551        716        570        363        191        146        527        742       1269          -        331        436
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Very dissatisfied             23          9         14          9          4          2          8         11         12         23          -          8          9
                                                  2%         2%         2%         2%         1%         1%         5%         2%         2%         2%                    3%         2%

                2                                 22         14          9         15          4          1          2          8         15         22          -          5          6
                                                  2%         2%         1%         3%         1%         1%         2%         1%         2%         2%                    1%         1%

                3                                114         55         59         57         34         15          8         46         68        114          -         42         27
                                                  9%        10%         8%        10%         9%         8%         5%         9%         9%         9%                   13%         6%
                                                                                                                                                                            M

                4                                449        192        255        195        133         62         58        200        249        449          -        116        152
                                                 35%        35%        36%        34%        37%        33%        40%        38%        34%        35%                   35%        35%

                5 - Very satisfied               653        275        378        292        184        110         67        259        394        653          -        160        242
                                                 51%        50%        53%        51%        51%        58%        46%        49%        53%        51%                   48%        56%

                Does not apply                    64         32         32         49          6          8          1         28         36         64          -          1         25
                                                  5%         6%         4%         9%         2%         4%         *%         5%         5%         5%                    *%         6%
                                                                                   EG                                                                                                  L

                DK/NA                              7          5          1          0          2          1          3          3          3          7          -          1          -
                                                  1%         1%         *%         *%         1%         *%         2%         1%         *%         1%                    *%           

                TOP 2 BOX                       1102        467        634        488        318        172        125        459        644       1102          -        275        395
                                                 87%        85%        88%        86%        88%        90%        86%        87%        87%        87%                   83%        91%
                                                                                                                                                                                       L

                BOTTOM 2 BOX                      45         23         23         24          8          3         10         19         27         45          -         13         14
                                                  4%         4%         3%         4%         2%         2%         7%         4%         4%         4%                    4%         3%

                CHI-SQUARE                           <--------4.69-------> <------------------23.52------------------> <--------3.52-------> <---------.0--------> <-------10.93------->
                SIGNIFICANCE                                  68%*                             98%*                             52%*                   %*                   97%*
                MEAN                             4.3        4.3        4.4        4.3        4.4        4.5        4.2        4.3        4.4        4.3                   4.3        4.4

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q5E Page 27

Q5 How satisfied were you with this aspect of service? e. The extent to which you were informed about what you needed to do
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1289       785       504       504       500       127       158      1113       176       833       456        43       687        64        40       456
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Very dissatisfied            30        27         3         3        14         7         6        22         8        18        12         2        12         3         1        12
                                        2%        3%        1%        1%        3%        5%        4%        2%        5%        2%        3%        4%        2%        5%        3%        3%
                                                   C                                       D         D

       2                                69        43        26        26        26         8        10        53        16        47        22         2        40         4         1        22
                                        5%        6%        5%        5%        5%        6%        6%        5%        9%        6%        5%        4%        6%        6%        4%        5%

       3                               222       113       109       109        67        22        25       194        28       147        75         8       125         9         5        75
                                       17%       14%       22%       22%       13%       17%       16%       17%       16%       18%       16%       19%       18%       14%       13%       16%

       4                               381       217       165       165       129        41        46       340        41       247       134        13       207        16        11       134
                                       30%       28%       33%       33%       26%       33%       29%       31%       24%       30%       29%       30%       30%       26%       29%       29%

       5 - Very satisfied              584       384       200       200       263        49        72       503        81       372       212        18       303        32        20       212
                                       45%       49%       40%       40%       53%       38%       46%       45%       46%       45%       46%       42%       44%       49%       51%       46%
                                                                                DF

       Does not apply                   44        29        15        15        29         1         0        40         4        29        15         2        22         3         2        15
                                        3%        4%        3%        3%        6%        *%        *%        4%        2%        3%        3%        5%        3%        5%        5%        3%
                                                                                FG

       DK/NA                             2         0         2         2         0         -         -         2         0         1         1         0         -         -         0         1
                                        *%        *%        *%        *%        *%                            *%        *%        *%        *%        1%                            *%        *%

       TOP 2 BOX                       965       601       364       364       393        90       118       842       123       620       346        31       509        48        31       346
                                       75%       77%       72%       72%       79%       71%       75%       76%       70%       74%       76%       71%       74%       75%       79%       76%

       BOTTOM 2 BOX                     99        70        29        29        40        15        16        75        24        65        34         3        52         7         3        34
                                        8%        9%        6%        6%        8%       12%       10%        7%       14%        8%        7%        8%        8%       11%        7%        7%
                                                                                                                         H

       CHI-SQUARE                          <------28.41------> <----------------39.24----------------> <--------13-------> <-------1.21------> <----------------------7.08--------------------->
       SIGNIFICANCE                               100%*                         100%*                          99%*                12%*                               3%*
       MEAN                            4.1       4.1       4.1       4.1       4.2       3.9       4.1       4.1       4.0       4.1       4.1       4.0       4.1       4.1       4.2       4.1

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q5E Page 28

Q5 How satisfied were you with this aspect of service? e. The extent to which you were informed about what you needed to do
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1289        568        719        606        359        182        140        542        747       1289          -        331        433
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Very dissatisfied             30          5         25         12         12          3          4         13         18         30          -         14         11
                                                  2%         1%         3%         2%         3%         2%         3%         2%         2%         2%                    4%         3%

                2                                 69         35         34         40         19          2          8         32         37         69          -         32         10
                                                  5%         6%         5%         7%         5%         1%         5%         6%         5%         5%                   10%         2%
                                                                                    F                                                                                       M

                3                                222        120        101        138         38         31         15        104        118        222          -         46         65
                                                 17%        21%        14%        23%        11%        17%        11%        19%        16%        17%                   14%        15%
                                                                                   EG

                4                                381        186        196        173        130         48         30        164        217        381          -         99        113
                                                 30%        33%        27%        28%        36%        26%        22%        30%        29%        30%                   30%        26%
                                                                                               G

                5 - Very satisfied               584        220        364        243        160         97         84        228        356        584          -        140        233
                                                 45%        39%        51%        40%        45%        53%        59%        42%        48%        45%                   42%        54%
                                                                         B                                          DE                                                                 L

                Does not apply                    44         15         29         13          9         16          6         14         30         44          -          1         29
                                                  3%         3%         4%         2%         3%         9%         4%         3%         4%         3%                    *%         7%
                                                                                                                                                                                       L

                DK/NA                              2          2          0          2          0          0          -          -          2          2          -          -          0
                                                  *%         *%         *%         *%         *%         *%                               *%         *%                               *%

                TOP 2 BOX                        965        405        560        416        290        145        114        392        573        965          -        239        346
                                                 75%        71%        78%        69%        81%        80%        81%        72%        77%        75%                   72%        80%
                                                                                               D                     D

                BOTTOM 2 BOX                      99         41         59         51         31          6         11         45         54         99          -         46         22
                                                  8%         7%         8%         8%         9%         3%         8%         8%         7%         8%                   14%         5%
                                                                                                                                                                            M

                CHI-SQUARE                           <-------32.41-------> <------------------54.51------------------> <--------5.16-------> <---------.0--------> <-------26.04------->
                SIGNIFICANCE                                 100%*                            100%*                             73%*                   %*                  100%*
                MEAN                             4.1        4.0        4.2        4.0        4.1        4.3        4.3        4.0        4.2        4.1                   4.0        4.3
                                                                                                                                                                                       L

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q5F Page 29

Q5 How satisfied were you with this aspect of service? f. Your ease of access to service
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1289       799       490       490       516       125       158      1116       174       832       457        44       684        65        39       457
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Very dissatisfied            19         8        11        11         4         3         2        16         3        12         6         1        10         0         1         6
                                        1%        1%        2%        2%        1%        2%        1%        1%        1%        1%        1%        2%        1%        *%        3%        1%

       2                                61        37        24        24        17         8        12        54         7        32        29         4        22         3         2        29
                                        5%        5%        5%        5%        3%        6%        8%        5%        4%        4%        6%        9%        3%        5%        6%        6%
                                                                                                                                                       M

       3                               245       156        89        89       108        24        24       214        30       154        90         8       136         9         3        90
                                       19%       19%       18%       18%       21%       19%       15%       19%       18%       19%       20%       17%       20%       13%        7%       20%
                                                                                                                                                       O         O         O                   O

       4                               416       248       168       168       144        49        56       349        67       265       151        15       217        20        14       151
                                       32%       31%       34%       34%       28%       39%       35%       31%       39%       32%       33%       33%       32%       31%       35%       33%
                                                                                           E

       5 - Very satisfied              548       349       199       199       242        41        65       481        66       368       180        17       300        32        19       180
                                       42%       44%       41%       41%       47%       33%       41%       43%       38%       44%       39%       39%       44%       49%       49%       39%
                                                                                 F

       Does not apply                   43        15        28        28        13         2         0        37         6        30        13         1        24         2         2        13
                                        3%        2%        6%        6%        3%        2%        *%        3%        3%        4%        3%        2%        3%        4%        6%        3%
                                                                       G

       DK/NA                             1         1         -         -         1         1         -         1         -         1         1         -         -         1         -         1
                                        *%        *%                            *%        1%                  *%                  *%        *%                            1%                  *%

       TOP 2 BOX                       964       597       367       367       386        90       121       830       134       633       331        32       517        52        33       331
                                       75%       75%       75%       75%       75%       72%       76%       74%       77%       76%       72%       72%       76%       80%       84%       72%
                                                                                                                                                                                    LP

       BOTTOM 2 BOX                     80        45        34        34        21        11        14        70        10        44        36         5        32         3         4        36
                                        6%        6%        7%        7%        4%        9%        9%        6%        6%        5%        8%       11%        5%        5%        9%        8%
                                                                                                                                                       M

       CHI-SQUARE                          <-------4.56------> <----------------23.67----------------> <-------3.87------> <-------6.39------> <---------------------16.57--------------------->
       SIGNIFICANCE                                66%*                          98%*                          58%*                83%*                               59%*
       MEAN                            4.1       4.1       4.1       4.1       4.2       3.9       4.1       4.1       4.1       4.1       4.0       4.0       4.1       4.2       4.2       4.0
                                                                                                                                                                           L

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q5F Page 30

Q5 How satisfied were you with this aspect of service? f. Your ease of access to service
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1289        560        728        589        364        193        143        537        753       1289          -        331        448
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Very dissatisfied             19         10          9         11          4          3          1         13          6         19          -          4          4
                                                  1%         2%         1%         2%         1%         1%         1%         2%         1%         1%                    1%         1%

                2                                 61         33         27         22         25         11          3         22         39         61          -         22         13
                                                  5%         6%         4%         4%         7%         6%         2%         4%         5%         5%                    7%         3%

                3                                245        119        125        119         69         28         28        105        140        245          -         55         94
                                                 19%        21%        17%        20%        19%        14%        20%        20%        19%        19%                   17%        21%

                4                                416        181        234        182        104         73         57        187        229        416          -        128        116
                                                 32%        32%        32%        31%        29%        38%        40%        35%        30%        32%                   39%        26%
                                                                                                                                                                            M

                5 - Very satisfied               548        216        331        255        160         78         54        209        338        548          -        121        220
                                                 42%        39%        46%        43%        44%        40%        38%        39%        45%        42%                   37%        49%
                                                                                                                                                                                       L

                Does not apply                    43         23         21         30          5          5          3         18         25         43          -          1         14
                                                  3%         4%         3%         5%         1%         3%         2%         3%         3%         3%                    *%         3%

                DK/NA                              1          -          1          1          1          -          -          -          1          1          -          1          1
                                                  *%                    *%         *%         *%                                          *%         *%                    *%         *%

                TOP 2 BOX                        964        397        566        437        265        151        111        397        567        964          -        249        336
                                                 75%        71%        78%        74%        73%        78%        78%        74%        75%        75%                   75%        75%

                BOTTOM 2 BOX                      80         44         36         33         29         14          4         35         45         80          -         26         17
                                                  6%         8%         5%         6%         8%         7%         3%         7%         6%         6%                    8%         4%

                CHI-SQUARE                           <-------10.48-------> <------------------19.47------------------> <-------11.63-------> <---------.0--------> <-------24.23------->
                SIGNIFICANCE                                  97%*                             92%*                             98%*                   %*                  100%*
                MEAN                             4.1        4.0        4.2        4.1        4.1        4.1        4.1        4.0        4.1        4.1                   4.0        4.2

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q5G Page 31

Q5 How satisfied were you with this aspect of service? g. Your access to service in the official language of your choice, either English or French
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1310       797       512       512       514       126       157      1132       178       842       468        44       693        64        40       468
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Very dissatisfied             2         2         0         0         1         0         0         1         1         1         1         1         -         0         0         1
                                        *%        *%        *%        *%        *%        *%        *%        *%        1%        *%        *%        1%                  *%        1%        *%

       2                                 9         9         1         1         7         1         1         4         5         1         8         0         -         0         0         8
                                        1%        1%        *%        *%        1%        1%        *%        *%        3%        *%        2%        *%                  1%        1%        2%

       3                                16         8         8         8         1         4         3        12         4        13         3         1        10         1         1         3
                                        1%        1%        2%        2%        *%        3%        2%        1%        2%        2%        1%        3%        1%        2%        2%        1%
                                                                                           E

       4                               120        74        46        46        40         9        25       102        17        75        45         5        60         5         5        45
                                        9%        9%        9%        9%        8%        7%       16%        9%       10%        9%       10%       10%        9%        8%       13%       10%
                                                                                                    EF

       5 - Very satisfied             1154       699       455       455       459       112       128      1003       151       747       407        38       618        58        33       407
                                       88%       88%       89%       89%       89%       89%       82%       89%       85%       89%       87%       85%       89%       90%       84%       87%
                                                                                 G         G

       Does not apply                   23        17         6         6        15         1         1        21         2        20         3         1        15         3         2         3
                                        2%        2%        1%        1%        3%        1%        1%        2%        1%        2%        1%        1%        2%        4%        4%        1%
                                                                                                                                                                           P         P

       DK/NA                             8         6         3         3         5         -         0         8         -         5         3         -         5         -         -         3
                                        1%        1%        1%        1%        1%                  *%        1%                  1%        1%                  1%                            1%

       TOP 2 BOX                      1274       773       501       501       499       121       153      1106       168       822       452        42       678        63        39       452
                                       97%       97%       98%       98%       97%       96%       98%       98%       95%       98%       97%       95%       98%       97%       97%       97%

       BOTTOM 2 BOX                     11        10         1         1         9         1         1         5         6         2         9         1         -         1         1         9
                                        1%        1%        *%        *%        2%        1%        *%        *%        3%        *%        2%        2%                  1%        1%        2%

       CHI-SQUARE                          <-------5.56------> <----------------27.28----------------> <------15.64------> <------15.31------> <---------------------24.52--------------------->
       SIGNIFICANCE                                77%*                          99%*                         100%*               100%*                               92%*
       MEAN                            4.9       4.8       4.9       4.9       4.9       4.8       4.8       4.9       4.8       4.9       4.8       4.8       4.9       4.9       4.8       4.8

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q5G Page 32

Q5 How satisfied were you with this aspect of service? g. Your access to service in the official language of your choice, either English or French
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1310        575        733        603        363        198        146        545        765       1310          -        331        445
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Very dissatisfied              2          0          2          0          1          0          1          1          2          2          -          0          1
                                                  *%         *%         *%         *%         *%         *%         1%         *%         *%         *%                    *%         *%

                2                                  9          3          7          2          6          1          0          4          6          9          -          1          8
                                                  1%         *%         1%         *%         2%         *%         *%         1%         1%         1%                    *%         2%

                3                                 16         11          5          3          5          1          7         10          6         16          -          6          2
                                                  1%         2%         1%         1%         1%         *%         5%         2%         1%         1%                    2%         *%

                4                                120         51         67         51         32          7         30         56         63        120          -         37         35
                                                  9%         9%         9%         8%         9%         4%        20%        10%         8%         9%                   11%         8%
                                                                                                                   DEF

                5 - Very satisfied              1154        510        643        546        318        184        105        466        688       1154          -        281        399
                                                 88%        89%        88%        91%        88%        93%        72%        86%        90%        88%                   85%        90%
                                                                                    G          G          G

                Does not apply                    23          7         16         16          6          1          0         11         13         23          -          1         16
                                                  2%         1%         2%         3%         2%         *%         *%         2%         2%         2%                    *%         4%
                                                                                                                                                                                       L

                DK/NA                              8          -          8          -          0          5          3          8          0          8          -          6          -
                                                  1%                    1%                    *%         3%         2%         1%         *%         1%                    2%           

                TOP 2 BOX                       1274        562        711        597        350        191        135        523        751       1274          -        318        435
                                                 97%        98%        97%        99%        97%        97%        93%        96%        98%        97%                   96%        98%

                BOTTOM 2 BOX                      11          3          8          3          7          1          1          4          7         11          -          1          9
                                                  1%         1%         1%         *%         2%         *%         1%         1%         1%         1%                    *%         2%

                CHI-SQUARE                           <--------5.07-------> <------------------62.11------------------> <--------5.3--------> <---------.0--------> <---------11-------->
                SIGNIFICANCE                                  72%*                            100%*                             74%*                   %*                   97%*
                MEAN                             4.9        4.9        4.9        4.9        4.8        4.9        4.7        4.8        4.9        4.9                   4.8        4.8
                                                                                    G                     G

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q5H Page 33

Q5 How satisfied were you with this aspect of service? h. In the end, you got what you needed from the staff
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1285       789       497       497       504       127       158      1110       175       829       457        44       680        65        40       457
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Very dissatisfied            36        27         8         8        17         8         2        30         5        27         9         1        22         2         2         9
                                        3%        3%        2%        2%        3%        6%        1%        3%        3%        3%        2%        2%        3%        3%        4%        2%
                                                                                          DG

       2                                41        27        14        14        14         8         4        34         7        27        14         1        23         1         1        14
                                        3%        3%        3%        3%        3%        7%        3%        3%        4%        3%        3%        2%        3%        2%        2%        3%

       3                                84        43        42        42        14        13        16        77         8        60        25         5        49         4         2        25
                                        7%        5%        8%        8%        3%       10%       10%        7%        4%        7%        5%       10%        7%        6%        4%        5%
                                                                       E                   E         E                                                 O

       4                               291       170       121       121       111        25        34       251        41       204        87        10       174        13         7        87
                                       23%       22%       24%       24%       22%       20%       22%       23%       23%       25%       19%       23%       26%       20%       17%       19%

       5 - Very satisfied              833       521       311       311       348        72       101       718       115       511       322        27       411        45        29       322
                                       65%       66%       63%       63%       69%       57%       64%       65%       65%       62%       70%       62%       60%       69%       72%       70%
                                                                                 F                                                           J                                       M         M

       Does not apply                   47        26        21        21        25         0         1        43         5        33        14         1        28         2         2        14
                                        4%        3%        4%        4%        5%        *%        *%        4%        3%        4%        3%        2%        4%        3%        5%        3%
                                                                      FG        FG

       TOP 2 BOX                      1124       692       432       432       459        98       135       969       155       716       409        37       585        57        36       409
                                       87%       88%       87%       87%       91%       77%       86%       87%       89%       86%       90%       85%       86%       88%       89%       90%
                                                                       F         F                   F

       BOTTOM 2 BOX                     77        54        23        23        31        16         6        64        12        54        23         2        45         4         3        23
                                        6%        7%        5%        5%        6%       13%        4%        6%        7%        6%        5%        4%        7%        6%        7%        5%
                                                                                         DEG

       CHI-SQUARE                          <-------9.44------> <----------------37.96----------------> <-------1.9-------> <------10.75------> <---------------------16.28--------------------->
       SIGNIFICANCE                                95%*                         100%*                          25%*                97%*                               57%*
       MEAN                            4.4       4.4       4.4       4.4       4.5       4.1       4.4       4.4       4.4       4.4       4.5       4.4       4.4       4.5       4.5       4.5
                                                                                 F                   F

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q5H Page 34

Q5 How satisfied were you with this aspect of service? h. In the end, you got what you needed from the staff
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1285        561        723        595        359        190        141        540        746       1285          -        331        436
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Very dissatisfied             36         16         19         22          7          4          3         22         13         36          -         17          9
                                                  3%         3%         3%         4%         2%         2%         2%         4%         2%         3%                    5%         2%

                2                                 41         18         23         25         11          2          3          8         33         41          -         13         12
                                                  3%         3%         3%         4%         3%         1%         2%         2%         4%         3%                    4%         3%

                3                                 84         45         40         39         19          9         18         44         40         84          -         30         12
                                                  7%         8%         6%         6%         5%         5%        12%         8%         5%         7%                    9%         3%
                                                                                                                                                                            M

                4                                291        141        148        137         84         33         37        153        139        291          -         75         90
                                                 23%        25%        21%        23%        23%        17%        26%        28%        19%        23%                   23%        21%
                                                                                                                                I

                5 - Very satisfied               833        340        493        372        238        142         81        312        521        833          -        196        312
                                                 65%        61%        68%        63%        66%        75%        57%        58%        70%        65%                   59%        72%
                                                                                                          G                                H                                           L

                Does not apply                    47         22         25         24          9          9          5         16         32         47          -          1         25
                                                  4%         4%         4%         4%         3%         5%         4%         3%         4%         4%                    *%         6%
                                                                                                                                                                                       L

                TOP 2 BOX                       1124        482        641        509        322        175        118        465        660       1124          -        271        403
                                                 87%        86%        89%        86%        90%        92%        84%        86%        88%        87%                   82%        92%
                                                                                                                                                                                       L

                BOTTOM 2 BOX                      77         35         42         47         18          6          6         31         46         77          -         30         21
                                                  6%         6%         6%         8%         5%         3%         4%         6%         6%         6%                    9%         5%

                CHI-SQUARE                           <--------8.79-------> <------------------25.48------------------> <-------38.08-------> <---------.0--------> <-------23.95------->
                SIGNIFICANCE                                  93%*                             99%*                            100%*                   %*                  100%*
                MEAN                             4.4        4.4        4.5        4.4        4.5        4.6        4.4        4.3        4.5        4.4                   4.3        4.6
                                                                                                                                                                                       L

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6A Page 35

Q6 AGREEMENT: a. The service representative was responsive to your needs
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1140       723       417       417       439       127       157       983       157       737       403        41       598        61        37       403
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Strongly disagree            15        15         -         -         7         4         3         8         7         7         8         1         4         1         1         8
                                        1%        2%                            2%        4%        2%        1%        4%        1%        2%        3%        1%        2%        3%        2%

       2                                34        24        10        10        12         7         4        30         4        29         5         2        23         3         1         5
                                        3%        3%        2%        2%        3%        6%        3%        3%        3%        4%        1%        4%        4%        5%        3%        1%
                                                                                                                                                                           P

       3                               126        75        51        51        36        15        25       109        17        86        40         5        74         5         3        40
                                       11%       10%       12%       12%        8%       12%       16%       11%       11%       12%       10%       12%       12%        8%        7%       10%
                                                                                                     E

       4                               342       216       126       126       139        36        42       294        48       212       130        13       175        14        11       130
                                       30%       30%       30%       30%       32%       28%       27%       30%       31%       29%       32%       31%       29%       23%       30%       32%
                                                                                                                                                                                               N

       5 - Strongly agree              623       393       230       230       245        65        83       542        80       402       220        20       323        38        21       220
                                       55%       54%       55%       55%       56%       51%       53%       55%       51%       55%       55%       50%       54%       63%       57%       55%
                                                                                                                                                                           L

       Does not apply                  193        92       101       101        90         0         1       170        23       125        68         4       110         7         5        68
                                       17%       13%       24%       24%       21%        *%        1%       17%       15%       17%       17%       10%       18%       11%       12%       17%
                                                             B        FG        FG                                                                               L

       DK/NA                             0         -         0         0         -         -         -         -         0         0         -         0         -         -         -         -
                                        *%                  *%        *%                                                *%        *%                  *%                                        

       TOP 2 BOX                       965       609       356       356       384       100       125       836       128       614       350        33       497        52        32       350
                                       85%       84%       85%       85%       87%       79%       80%       85%       82%       83%       87%       81%       83%       85%       87%       87%
                                                                                 F

       BOTTOM 2 BOX                     49        39        10        10        20        12         7        38        11        36        13         3        27         4         2        13
                                        4%        5%        2%        2%        4%        9%        5%        4%        7%        5%        3%        7%        5%        7%        5%        3%
                                                                                           D

       CHI-SQUARE                          <--------10-------> <----------------23.94----------------> <------13.06------> <-------9.56------> <---------------------16.57--------------------->
       SIGNIFICANCE                                96%*                          98%*                          99%*                95%*                               59%*
       MEAN                            4.3       4.3       4.4       4.4       4.4       4.2       4.3       4.4       4.2       4.3       4.4       4.2       4.3       4.4       4.4       4.4

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6A Page 36

Q6 AGREEMENT: a. The service representative was responsive to your needs
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1140        489        649        502        335        164        138        471        669       1140          -        317        388
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Strongly disagree             15          6          9          4          6          1          3          5         10         15          -          6          8
                                                  1%         1%         1%         1%         2%         1%         2%         1%         1%         1%                    2%         2%

                2                                 34         18         16         22          3          3          6         21         14         34          -          9         14
                                                  3%         4%         2%         4%         1%         2%         4%         4%         2%         3%                    3%         4%

                3                                126         59         67         61         39          8         18         55         71        126          -         39         35
                                                 11%        12%        10%        12%        12%         5%        13%        12%        11%        11%                   12%         9%

                4                                342        140        201        156        108         45         33        138        204        342          -        101        110
                                                 30%        29%        31%        31%        32%        27%        24%        29%        30%        30%                   32%        28%

                5 - Strongly agree               623        265        357        259        179        107         78        252        370        623          -        162        221
                                                 55%        54%        55%        52%        53%        65%        56%        54%        55%        55%                   51%        57%

                Does not apply                   193         93         99        117         33         35          8         85        108        193          -         15         74
                                                 17%        19%        15%        23%        10%        21%         6%        18%        16%        17%                    5%        19%
                                                                                   EG                     G                                                                            L

                DK/NA                              0          0          -          0          -          -          -          0          -          0          -          -          -
                                                  *%         *%                    *%                                          *%                    *%                                 

                TOP 2 BOX                        965        405        558        415        288        151        111        390        575        965          -        263        331
                                                 85%        83%        86%        83%        86%        92%        80%        83%        86%        85%                   83%        85%
                                                                                                         DG

                BOTTOM 2 BOX                      49         24         25         26          9          4          9         26         23         49          -         15         22
                                                  4%         5%         4%         5%         3%         3%         7%         5%         3%         4%                    5%         6%

                CHI-SQUARE                           <--------2.94-------> <------------------26.21------------------> <--------5.84-------> <---------.0--------> <--------3.95------->
                SIGNIFICANCE                                  43%*                             99%*                             79%*                   %*                   59%*
                MEAN                             4.3        4.3        4.4        4.3        4.3        4.5        4.3        4.3        4.4        4.3                   4.3        4.3

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6B Page 37

Q6 AGREEMENT: b. The service representative was able to respond to your inquiry on the initial contact
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1104       722       382       382       440       126       156       945       159       695       409        40       558        59        38       409
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Strongly disagree            43        26        17        17        14         5         7        35         8        28        15         1        21         3         2        15
                                        4%        4%        4%        4%        3%        4%        5%        4%        5%        4%        4%        3%        4%        5%        6%        4%

       2                                52        31        21        21        17         7         8        45         7        34        18         1        29         3         1        18
                                        5%        4%        5%        5%        4%        5%        5%        5%        5%        5%        4%        3%        5%        5%        3%        4%

       3                               128        80        48        48        35        19        26       111        17        88        40         5        73         6         5        40
                                       12%       11%       13%       13%        8%       15%       17%       12%       11%       13%       10%       12%       13%       10%       12%       10%
                                                                                                     E

       4                               310       201       108       108       133        32        36       261        49       179       131        12       144        14         9       131
                                       28%       28%       28%       28%       30%       25%       23%       28%       30%       26%       32%       31%       26%       23%       25%       32%

       5 - Strongly agree              567       379       188       188       237        63        79       492        75       364       203        19       291        34        20       203
                                       51%       53%       49%       49%       54%       50%       50%       52%       47%       52%       50%       48%       52%       57%       54%       50%

       Does not apply                  229        93       136       136        89         1         2       208        20       167        62         5       150         8         4        62
                                       21%       13%       36%       36%       20%        1%        1%       22%       13%       24%       15%       12%       27%       13%       11%       15%
                                                             B       EFG        FG                             I                   K                          LNOP

       DK/NA                             4         4         0         0         4         0         0         1         3         1         3         1         -         0         -         3
                                        *%        1%        *%        *%        1%        *%        *%        *%        2%        *%        1%        2%                  *%                  1%

       TOP 2 BOX                       877       581       296       296       370        95       115       753       124       543       334        32       434        48        30       334
                                       79%       80%       77%       77%       84%       76%       74%       80%       78%       78%       82%       79%       78%       80%       79%       82%
                                                                                 G

       BOTTOM 2 BOX                     95        57        38        38        30        12        15        80        15        62        33         2        50         6         3        33
                                        9%        8%       10%       10%        7%        9%       10%        8%       10%        9%        8%        6%        9%       10%        8%        8%

       CHI-SQUARE                          <-------2.24------> <----------------15.73----------------> <-------1.93------> <-------6.06------> <----------------------9.1---------------------->
       SIGNIFICANCE                                31%*                          80%*                          25%*                81%*                               9%*
       MEAN                            4.2       4.2       4.1       4.1       4.3       4.1       4.1       4.2       4.1       4.2       4.2       4.2       4.2       4.2       4.2       4.2

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6B Page 38

Q6 AGREEMENT: b. The service representative was able to respond to your inquiry on the initial contact
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1104        457        645        482        333        162        128        462        642       1104          -        320        384
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Strongly disagree             43         22         21         21         15          3          4         24         19         43          -         15         10
                                                  4%         5%         3%         4%         5%         2%         3%         5%         3%         4%                    5%         3%

                2                                 52         29         23         32          6         12          2         17         35         52          -         17         14
                                                  5%         6%         4%         7%         2%         7%         2%         4%         5%         5%                    5%         4%
                                                                                    E

                3                                128         59         68         71         32          9         15         56         72        128          -         43         36
                                                 12%        13%        10%        15%        10%         6%        12%        12%        11%        12%                   13%         9%
                                                                                    F

                4                                310        116        194        124         89         63         34        126        184        310          -         94        104
                                                 28%        25%        30%        26%        27%        39%        27%        27%        29%        28%                   29%        27%

                5 - Strongly agree               567        230        337        233        191         72         71        236        331        567          -        149        220
                                                 51%        50%        52%        48%        57%        44%        56%        51%        52%        51%                   47%        57%

                Does not apply                   229        126        103        137         36         37         19         93        135        229          -         12         77
                                                 21%        27%        16%        28%        11%        23%        15%        20%        21%        21%                    4%        20%
                                                              C                    EG                     E                                                                            L

                DK/NA                              4          0          4          0          0          3          -          3          1          4          -          3          1
                                                  *%         *%         1%         *%         *%         2%                    1%         *%         *%                    1%         *%

                TOP 2 BOX                        877        346        531        357        280        135        106        362        515        877          -        243        323
                                                 79%        76%        82%        74%        84%        83%        83%        78%        80%        79%                   76%        84%
                                                                                               D

                BOTTOM 2 BOX                      95         52         43         53         21         14          7         41         54         95          -         32         23
                                                  9%        11%         7%        11%         6%         9%         5%         9%         8%         9%                   10%         6%

                CHI-SQUARE                           <-------10.47-------> <-------------------40.8------------------> <--------5.74-------> <---------.0--------> <--------9.82------->
                SIGNIFICANCE                                  97%*                            100%*                             78%*                   %*                   96%*
                MEAN                             4.2        4.1        4.3        4.1        4.3        4.2        4.3        4.2        4.2        4.2                   4.1        4.3
                                                                                                                                                                                       L

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6C Page 39

Q6 AGREEMENT: c. The service representative followed through with commitments or promises
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    932       595       337       337       348       110       137       795       137       607       325        31       493        51        33       325
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Strongly disagree            38        32         7         7        21         6         5        31         8        26        12         1        21         2         2        12
                                        4%        5%        2%        2%        6%        5%        4%        4%        6%        4%        4%        5%        4%        4%        5%        4%

       2                                33        18        15        15        12         3         3        28         5        23        10         1        20         1         1        10
                                        4%        3%        4%        4%        4%        3%        2%        4%        4%        4%        3%        3%        4%        2%        3%        3%

       3                               110        62        48        48        29        13        21       100        10        81        29         2        72         5         2        29
                                       12%       10%       14%       14%        8%       12%       15%       13%        7%       13%        9%        7%       15%       10%        6%        9%
                                                                                                                                                                LO

       4                               270       165       105       105       100        29        36       225        44       178        92         9       151        10         8        92
                                       29%       28%       31%       31%       29%       27%       26%       28%       32%       29%       28%       28%       31%       20%       25%       28%
                                                                                                                                                                 N

       5 - Strongly agree              469       310       159       159       181        57        72       403        66       291       178        17       224        31        19       178
                                       50%       52%       47%       47%       52%       52%       52%       51%       48%       48%       55%       55%       45%       61%       59%       55%
                                                                                                                                                                           M         M

       Does not apply                  400       219       181       181       181        17        21       358        42       255       145        14       215        16         9       145
                                       43%       37%       54%       54%       52%       16%       15%       45%       31%       42%       45%       47%       44%       32%       28%       45%
                                                             B        FG        FG                             I                                      NO         O                            NO

       DK/NA                            12         8         4         4         5         1         1         8         4         7         5         1         5         1         1         5
                                        1%        1%        1%        1%        1%        1%        1%        1%        3%        1%        1%        2%        1%        3%        2%        1%

       TOP 2 BOX                       738       475       264       264       281        87       107       628       111       469       270        26       375        41        27       270
                                       79%       80%       78%       78%       81%       79%       78%       79%       80%       77%       83%       83%       76%       81%       84%       83%

       BOTTOM 2 BOX                     72        50        21        21        33         9         8        59        13        49        22         2        41         3         3        22
                                        8%        8%        6%        6%       10%        8%        6%        7%        9%        8%        7%        8%        8%        6%        8%        7%

       CHI-SQUARE                          <------11.78------> <----------------17.87----------------> <-------4.45------> <-------6.03------> <----------------------16.1--------------------->
       SIGNIFICANCE                                98%*                          88%*                          65%*                80%*                               55%*
       MEAN                            4.2       4.2       4.2       4.2       4.2       4.2       4.2       4.2       4.2       4.1       4.3       4.3       4.1       4.4       4.3       4.3

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6C Page 40

Q6 AGREEMENT: c. The service representative followed through with commitments or promises
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     932        401        529        422        267        144         99        382        550        932          -        295        289
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Strongly disagree             38         19         19         19         14          4          2         22         17         38          -         11         21
                                                  4%         5%         4%         4%         5%         2%         3%         6%         3%         4%                    4%         7%

                2                                 33         18         15         19         11          2          1          4         29         33          -         10          8
                                                  4%         4%         3%         4%         4%         2%         1%         1%         5%         4%                    4%         3%
                                                                                                                                           H

                3                                110         62         47         50         39         14          8         53         57        110          -         34         27
                                                 12%        15%         9%        12%        15%         9%         8%        14%        10%        12%                   12%         9%

                4                                270        115        155        125         66         52         27        112        158        270          -         86         75
                                                 29%        29%        29%        30%        25%        36%        27%        29%        29%        29%                   29%        26%

                5 - Strongly agree               469        183        286        206        132         71         60        186        283        469          -        151        153
                                                 50%        46%        54%        49%        49%        49%        61%        49%        51%        50%                   51%        53%

                Does not apply                   400        181        219        197        101         54         47        173        227        400          -         37        173
                                                 43%        45%        41%        47%        38%        38%        48%        45%        41%        43%                   13%        60%
                                                                                                                                                                                       L

                DK/NA                             12          5          7          3          7          2          0          6          6         12          -          2          5
                                                  1%         1%         1%         1%         2%         2%         *%         1%         1%         1%                    1%         2%

                TOP 2 BOX                        738        298        441        331        197        123         87        297        441        738          -        237        228
                                                 79%        74%        83%        78%        74%        85%        88%        78%        80%        79%                   80%        79%
                                                                                                                     E

                BOTTOM 2 BOX                      72         37         35         38         24          6          4         26         46         72          -         22         28
                                                  8%         9%         7%         9%         9%         4%         4%         7%         8%         8%                    7%        10%

                CHI-SQUARE                           <-------14.07-------> <------------------17.19------------------> <-------16.92-------> <---------.0--------> <--------4.54------->
                SIGNIFICANCE                                  99%*                             86%*                            100%*                   %*                   66%*
                MEAN                             4.2        4.1        4.3        4.1        4.1        4.3        4.4        4.2        4.2        4.2                   4.2        4.2

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6D Page 41

Q6 AGREEMENT: d. The service representative was easy to understand
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1128       717       411       411       434       126       157       973       155       713       415        41       574        60        38       415
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Strongly disagree            19        19         1         1        11         2         6        14         6        14         5         2        11         1         1         5
                                        2%        3%        *%        *%        2%        2%        4%        1%        4%        2%        1%        4%        2%        2%        2%        1%
                                                   C                                                 D

       2                                39        25        14        14        15         6         5        35         4        25        14         2        19         2         2        14
                                        3%        4%        3%        3%        3%        4%        3%        4%        3%        4%        3%        5%        3%        3%        5%        3%

       3                               108        71        36        36        32        19        21        94        14        68        40         5        52         5         6        40
                                       10%       10%        9%        9%        7%       15%       13%       10%        9%       10%       10%       13%        9%        9%       15%       10%
                                                                                           E

       4                               271       166       104       104       100        25        41       230        41       155       115        10       124        11        10       115
                                       24%       23%       25%       25%       23%       20%       26%       24%       26%       22%       28%       23%       22%       19%       26%       28%
                                                                                                                                                                                               N

       5 - Strongly agree              680       425       256       256       266        74        84       590        91       440       241        22       358        40        20       241
                                       60%       59%       62%       62%       61%       59%       54%       61%       58%       62%       58%       53%       62%       67%       52%       58%
                                                                                                                                                                          LO

       Does not apply                  205        97       107       107        95         1         1       180        24       149        56         4       134         7         4        56
                                       18%       14%       26%       26%       22%        1%        1%       19%       16%       21%       14%        9%       23%       12%        9%       14%
                                                             B        FG        FG                                                 K                          LNOP

       DK/NA                            11        11         0         0        11         -         0        11         0        11         0         0        10         0         -         0
                                        1%        2%        *%        *%        2%                  *%        1%        *%        2%        *%        1%        2%        *%                  *%
                                                   C

       TOP 2 BOX                       951       591       360       360       366       100       125       820       131       595       356        31       482        52        30       356
                                       84%       82%       88%       88%       84%       79%       80%       84%       84%       83%       86%       76%       84%       86%       78%       86%
                                                                                                                                                                           L                  LO

       BOTTOM 2 BOX                     59        44        15        15        26         7        11        49        10        40        19         4        30         3         3        19
                                        5%        6%        4%        4%        6%        6%        7%        5%        6%        6%        5%        9%        5%        5%        7%        5%

       CHI-SQUARE                          <------10.73------> <----------------23.36----------------> <-------4.5-------> <-------5.73------> <---------------------11.74--------------------->
       SIGNIFICANCE                                97%*                          98%*                          66%*                78%*                               24%*
       MEAN                            4.4       4.3       4.5       4.5       4.4       4.3       4.2       4.4       4.3       4.4       4.4       4.2       4.4       4.4       4.2       4.4
                                                                                                                                                                          LO

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6D Page 42

Q6 AGREEMENT: d. The service representative was easy to understand
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1128        486        641        504        339        167        118        460        668       1128          -        317        383
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Strongly disagree             19          7         12          4          6          8          1          6         13         19          -          7         12
                                                  2%         1%         2%         1%         2%         5%         1%         1%         2%         2%                    2%         3%

                2                                 39         19         20         22          4          9          4         16         23         39          -         10         15
                                                  3%         4%         3%         4%         1%         5%         3%         4%         3%         3%                    3%         4%

                3                                108         50         56         57         31         16          5         58         49        108          -         37         33
                                                 10%        10%         9%        11%         9%         9%         4%        13%         7%        10%                   12%         9%
                                                                                    G

                4                                271        119        151        118         82         37         34        123        147        271          -         85         75
                                                 24%        25%        24%        23%        24%        22%        29%        27%        22%        24%                   27%        19%

                5 - Strongly agree               680        290        390        299        211         97         74        256        424        680          -        177        238
                                                 60%        60%        61%        59%        62%        58%        63%        56%        64%        60%                   56%        62%

                Does not apply                   205         97        108        115         30         31         29         95        110        205          -         15         78
                                                 18%        20%        17%        23%         9%        19%        24%        21%        16%        18%                    5%        20%
                                                                                    E                                E                                                                 L

                DK/NA                             11          0         11          5          5          0          -          0         11         11          -          0         11
                                                  1%         *%         2%         1%         2%         *%                    *%         2%         1%                    *%         3%
                                                                         B

                TOP 2 BOX                        951        409        541        416        292        134        108        379        572        951          -        263        313
                                                 84%        84%        84%        83%        86%        80%        91%        82%        86%        84%                   83%        82%
                                                                                                                     D

                BOTTOM 2 BOX                      59         26         32         26         10         17          6         22         36         59          -         17         27
                                                  5%         5%         5%         5%         3%        10%         5%         5%         5%         5%                    5%         7%

                CHI-SQUARE                           <--------1.41-------> <------------------27.85------------------> <-------14.14-------> <---------.0--------> <--------7.24------->
                SIGNIFICANCE                                  16%*                             99%*                             99%*                   %*                   88%*
                MEAN                             4.4        4.4        4.4        4.4        4.5        4.2        4.5        4.3        4.4        4.4                   4.3        4.4

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6E Page 43

Q6 AGREEMENT: e. Your questions were answered completely
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1183       755       427       427       471       127       157      1025       157       749       434        42       608        61        38       434
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Strongly disagree            26        24         2         2        14         5         5        19         7        17         9         1        13         2         1         9
                                        2%        3%        *%        *%        3%        4%        3%        2%        5%        2%        2%        2%        2%        4%        2%        2%
                                                   C                                       D

       2                                30        25         6         6        11         6         7        25         5        18        12         2        11         3         2        12
                                        3%        3%        1%        1%        2%        5%        4%        2%        3%        2%        3%        5%        2%        4%        6%        3%

       3                               169       101        68        68        63        17        21       155        14       131        38         5       117         6         2        38
                                       14%       13%       16%       16%       13%       13%       14%       15%        9%       17%        9%       13%       19%       10%        6%        9%
                                                                                                                                   K                   O       NOP

       4                               357       197       160       160       115        38        43       308        50       225       133        11       189        14        11       133
                                       30%       26%       38%       38%       24%       30%       27%       30%       31%       30%       31%       25%       31%       23%       29%       31%
                                                             B         E

       5 - Strongly agree              598       409       189       189       268        61        80       516        81       357       241        22       277        36        22       241
                                       51%       54%       44%       44%       57%       48%       51%       50%       52%       48%       55%       53%       46%       59%       57%       55%
                                                                                 D                                                                                         M         M

       Does not apply                  150        59        91        91        58         0         1       128        22       113        37         3       100         7         3        37
                                       13%        8%       21%       21%       12%        *%        1%       12%       14%       15%        8%        7%       17%       11%        9%        8%
                                                             B        FG        FG                                                 K                           LOP

       DK/NA                             3         0         2         2         0         -         -         3         0         0         2         0         -         -         -         2
                                        *%        *%        1%        1%        *%                            *%        *%        *%        1%        1%                                      1%

       TOP 2 BOX                       955       605       349       349       383        99       124       824       131       582       373        33       466        50        33       373
                                       81%       80%       82%       82%       81%       78%       79%       80%       83%       78%       86%       78%       77%       82%       86%       86%
                                                                                                                                             J                                       M         M

       BOTTOM 2 BOX                     56        49         8         8        25        11        12        44        13        36        21         3        25         5         3        21
                                        5%        6%        2%        2%        5%        9%        8%        4%        8%        5%        5%        8%        4%        8%        8%        5%
                                                   C                                       D         D

       CHI-SQUARE                          <------31.78------> <----------------39.18----------------> <-------9.73------> <------18.23------> <---------------------35.21--------------------->
       SIGNIFICANCE                               100%*                         100%*                          95%*               100%*                              100%*
       MEAN                            4.2       4.2       4.2       4.2       4.3       4.1       4.2       4.2       4.2       4.2       4.4       4.2       4.2       4.3       4.3       4.4

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6E Page 44

Q6 AGREEMENT: e. Your questions were answered completely
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1183        497        684        523        342        180        138        495        687       1183          -        326        409
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Strongly disagree             26          7         19          6          9          2          9         11         15         26          -         12         10
                                                  2%         1%         3%         1%         3%         1%         6%         2%         2%         2%                    4%         3%

                2                                 30          8         23         14          7          7          2         11         19         30          -         12         12
                                                  3%         2%         3%         3%         2%         4%         1%         2%         3%         3%                    4%         3%

                3                                169         76         91         92         45         13         19         84         85        169          -         48         52
                                                 14%        15%        13%        18%        13%         7%        14%        17%        12%        14%                   15%        13%
                                                                                    F

                4                                357        175        182        177         99         44         37        154        203        357          -         99         93
                                                 30%        35%        27%        34%        29%        25%        27%        31%        30%        30%                   31%        23%

                5 - Strongly agree               598        229        369        232        182        113         71        233        365        598          -        154        242
                                                 51%        46%        54%        44%        53%        63%        51%        47%        53%        51%                   47%        59%
                                                                                                          D                                                                            L

                Does not apply                   150         86         64         96         26         19          8         60         90        150          -          6         53
                                                 13%        17%         9%        18%         8%        11%         6%        12%        13%        13%                    2%        13%
                                                              C                    EG                                                                                                  L

                DK/NA                              3          2          0          2          -          0          -          2          0          3          -          -          0
                                                  *%         *%         *%         *%                    *%                    1%         *%         *%                               *%

                TOP 2 BOX                        955        403        551        408        281        157        108        387        568        955          -        253        335
                                                 81%        81%        81%        78%        82%        87%        78%        78%        83%        81%                   78%        82%

                BOTTOM 2 BOX                      56         15         42         20         16          9         11         22         34         56          -         25         22
                                                  5%         3%         6%         4%         5%         5%         8%         4%         5%         5%                    8%         5%

                CHI-SQUARE                           <-------17.45-------> <-------------------42.7------------------> <--------6.93-------> <---------.0--------> <-------11.19------->
                SIGNIFICANCE                                 100%*                            100%*                             86%*                   %*                   98%*
                MEAN                             4.2        4.2        4.3        4.2        4.3        4.4        4.2        4.2        4.3        4.2                   4.1        4.3

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6F Page 45

Q6 AGREEMENT: f. Documents or other written information you received were easy to understand
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1294       785       509       509       504       125       156      1118       177       834       461        42       689        64        38       461
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Strongly disagree            29        17        12        12         5         6         6        25         4        19        10         1        15         3         1        10
                                        2%        2%        2%        2%        1%        5%        4%        2%        2%        2%        2%        2%        2%        4%        3%        2%
                                                                                           E

       2                                79        62        17        17        36        12        14        73         6        50        29         4        41         3         3        29
                                        6%        8%        3%        3%        7%       10%        9%        7%        3%        6%        6%       10%        6%        4%        7%        6%
                                                   C                                       D         D                                                 N

       3                               212       114        97        97        51        33        30       180        31       130        81         8       110        10         3        81
                                       16%       15%       19%       19%       10%       26%       19%       16%       18%       16%       18%       18%       16%       15%        8%       18%
                                                                       E                   E         E                                                 O         O         O                   O

       4                               362       214       147       147       135        34        45       314        48       224       137        11       182        19        13       137
                                       28%       27%       29%       29%       27%       27%       29%       28%       27%       27%       30%       27%       26%       29%       33%       30%

       5 - Strongly agree              609       376       233       233       276        39        61       522        87       408       201        18       342        30        18       201
                                       47%       48%       46%       46%       55%       31%       39%       47%       49%       49%       44%       43%       50%       47%       48%       44%
                                                                       F        FG

       Does not apply                   38        29         9         9        25         2         2        35         3        28        10         3        19         3         4        10
                                        3%        4%        2%        2%        5%        2%        2%        3%        2%        3%        2%        7%        3%        4%        9%        2%
                                                                                                                                                                                    MP

       DK/NA                             4         1         2         2         1         0         -         3         0         1         2         0         -         1         1         2
                                        *%        *%        *%        *%        *%        *%                  *%        *%        *%        1%        *%                  1%        1%        1%

       TOP 2 BOX                       971       591       380       380       411        74       106       836       135       633       338        29       524        49        31       338
                                       75%       75%       75%       75%       82%       59%       68%       75%       76%       76%       73%       70%       76%       76%       81%       73%
                                                                       F        FG                                                                                                   L

       BOTTOM 2 BOX                    108        79        30        30        41        18        19        98        10        69        39         5        55         5         4        39
                                        8%       10%        6%        6%        8%       15%       12%        9%        6%        8%        8%       12%        8%        8%       10%        8%
                                                                                           D         D

       CHI-SQUARE                          <------14.44------> <----------------58.83----------------> <-------3.22------> <-------3.45------> <----------------------8.64--------------------->
       SIGNIFICANCE                                99%*                         100%*                          48%*                51%*                               7%*
       MEAN                            4.1       4.1       4.1       4.1       4.3       3.7       3.9       4.1       4.2       4.1       4.1       4.0       4.2       4.1       4.2       4.1
                                                                       F        FG

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6F Page 46

Q6 AGREEMENT: f. Documents or other written information you received were easy to understand
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1294        567        725        603        358        191        142        543        752       1294          -        318        447
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Strongly disagree             29         16         13         12         10          3          4         20          9         29          -         13          4
                                                  2%         3%         2%         2%         3%         1%         3%         4%         1%         2%                    4%         1%

                2                                 79         17         62         47         23          3          5         33         46         79          -         35         26
                                                  6%         3%         8%         8%         6%         2%         4%         6%         6%         6%                   11%         6%
                                                                         B          F

                3                                212        116         96        128         44         23         17         98        114        212          -         65         47
                                                 16%        20%        13%        21%        12%        12%        12%        18%        15%        16%                   21%        11%
                                                                                    E                                                                                       M

                4                                362        170        190        187         93         38         44        150        212        362          -         71        131
                                                 28%        30%        26%        31%        26%        20%        31%        28%        28%        28%                   22%        29%

                5 - Strongly agree               609        245        364        228        185        123         72        242        367        609          -        135        238
                                                 47%        43%        50%        38%        52%        64%        51%        45%        49%        47%                   42%        53%
                                                                                               D          D                                                                            L

                Does not apply                    38         15         23         16         11          8          4         13         26         38          -         14         15
                                                  3%         3%         3%         3%         3%         4%         3%         2%         3%         3%                    4%         3%

                DK/NA                              4          3          1          0          3          1          0          1          3          4          -          0          1
                                                  *%         1%         *%         *%         1%         1%         *%         *%         *%         *%                    *%         *%

                TOP 2 BOX                        971        415        554        415        278        161        116        391        579        971          -        205        369
                                                 75%        73%        76%        69%        78%        84%        82%        72%        77%        75%                   65%        83%
                                                                                                          D          D                                                                 L

                BOTTOM 2 BOX                     108         34         74         60         33          6          9         53         56        108          -         47         30
                                                  8%         6%        10%        10%         9%         3%         7%        10%         7%         8%                   15%         7%
                                                                                    F                                                                                       M

                CHI-SQUARE                           <-------32.01-------> <-------------------61.2------------------> <-------10.89-------> <---------.0--------> <-------34.39------->
                SIGNIFICANCE                                 100%*                            100%*                             97%*                   %*                  100%*
                MEAN                             4.1        4.1        4.1        3.9        4.2        4.4        4.2        4.0        4.2        4.1                   3.9        4.3
                                                                                                          D                                                                            L

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6G Page 47

Q6 AGREEMENT: g. The information you received was accurate
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1327       811       516       516       526       127       158      1148       179       860       467        45       708        67        40       467
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Strongly disagree            19        18         1         1         9         6         3        13         7         9        11         0         5         2         1        11
                                        1%        2%        *%        *%        2%        4%        2%        1%        4%        1%        2%        1%        1%        3%        2%        2%
                                                   C                                       D

       2                                43        22        22        22        10         6         5        41         3        37         6         1        34         1         1         6
                                        3%        3%        4%        4%        2%        5%        3%        4%        1%        4%        1%        3%        5%        1%        3%        1%
                                                                                                                                   K

       3                                92        63        29        29        37        14        13        78        14        63        30         3        52         4         3        30
                                        7%        8%        6%        6%        7%       11%        8%        7%        8%        7%        6%        7%        7%        6%        8%        6%

       4                               293       179       114       114       109        32        37       259        35       179       114        11       145        15         8       114
                                       22%       22%       22%       22%       21%       25%       24%       23%       19%       21%       25%       24%       20%       23%       20%       25%

       5 - Strongly agree              874       528       346       346       360        68       100       756       118       572       302        29       472        45        27       302
                                       66%       65%       67%       67%       68%       54%       63%       66%       66%       67%       65%       65%       67%       67%       66%       65%
                                                                       F         F

       Does not apply                    6         3         3         3         3         0         0         5         1         2         4         0         -         0         1         4
                                        *%        *%        1%        1%        1%        *%        *%        *%        *%        *%        1%        1%                  *%        3%        1%

       DK/NA                             4         1         3         3         -         1         0         2         2         0         4         0         -         -         0         4
                                        *%        *%        1%        1%                  1%        *%        *%        1%        *%        1%        1%                            *%        1%

       TOP 2 BOX                      1168       707       461       461       469       101       137      1014       153       751       417        40       617        60        35       417
                                       88%       87%       89%       89%       89%       79%       87%       88%       85%       87%       89%       89%       87%       89%       86%       89%
                                                                       F         F

       BOTTOM 2 BOX                     63        40        23        23        20        12         8        53         9        46        17         2        39         3         2        17
                                        5%        5%        4%        4%        4%        9%        5%        5%        5%        5%        4%        4%        6%        5%        6%        4%
                                                                                           E

       CHI-SQUARE                          <-------12.6------> <----------------27.22----------------> <------10.59------> <------14.11------> <---------------------20.04--------------------->
       SIGNIFICANCE                                99%*                          99%*                          97%*                99%*                               78%*
       MEAN                            4.5       4.5       4.5       4.5       4.5       4.2       4.4       4.5       4.4       4.5       4.5       4.5       4.5       4.5       4.4       4.5
                                                                       F         F                   F

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6G Page 48

Q6 AGREEMENT: g. The information you received was accurate
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1327        578        747        617        366        198        146        553        774       1327          -        332        458
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Strongly disagree             19          9         10          5          4          7          3          9         10         19          -          8          9
                                                  1%         2%         1%         1%         1%         3%         2%         2%         1%         1%                    2%         2%

                2                                 43         28         15         30         11          3          1         23         20         43          -         13          7
                                                  3%         5%         2%         5%         3%         1%         *%         4%         3%         3%                    4%         2%
                                                                                    G

                3                                 92         35         56         44         26         14          8         37         56         92          -         30         33
                                                  7%         6%         8%         7%         7%         7%         6%         7%         7%         7%                    9%         7%

                4                                293        126        167        126         91         38         39        138        155        293          -         88         86
                                                 22%        22%        22%        20%        25%        19%        26%        25%        20%        22%                   27%        19%

                5 - Strongly agree               874        378        496        412        231        136         95        345        529        874          -        191        323
                                                 66%        65%        66%        67%        63%        69%        65%        62%        68%        66%                   58%        71%
                                                                                                                                                                                       L

                Does not apply                     6          4          2          2          3          0          -          2          4          6          -          0          3
                                                  *%         1%         *%         *%         1%         *%                    *%         *%         *%                    *%         1%

                DK/NA                              4          2          2          0          3          0          0          0          4          4          -          1          0
                                                  *%         *%         *%         *%         1%         *%         *%         *%         *%         *%                    *%         *%

                TOP 2 BOX                       1168        504        664        537        322        175        134        483        684       1168          -        279        409
                                                 88%        87%        89%        87%        88%        88%        91%        87%        88%        88%                   84%        89%

                BOTTOM 2 BOX                      63         38         25         35         15          9          4         32         30         63          -         21         16
                                                  5%         6%         3%         6%         4%         5%         3%         6%         4%         5%                    6%         3%

                CHI-SQUARE                           <-------10.02-------> <------------------23.92------------------> <--------8.21-------> <---------.0--------> <--------15.7------->
                SIGNIFICANCE                                  96%*                             98%*                             92%*                   %*                  100%*
                MEAN                             4.5        4.4        4.5        4.5        4.5        4.5        4.5        4.4        4.5        4.5                   4.3        4.5
                                                                                                                                                                                       L

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6H Page 49

Q6 AGREEMENT: h. It was clear what to do if you had a problem
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1271       782       489       489       500       124       157      1103       168       818       453        41       674        63        40       453
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Strongly disagree            47        36        11        11        20         7        10        37        11        28        19         1        23         3         2        19
                                        4%        5%        2%        2%        4%        6%        6%        3%        6%        3%        4%        2%        3%        5%        4%        4%

       2                                84        52        31        31        21        17        14        74        10        63        20         2        54         5         2        20
                                        7%        7%        6%        6%        4%       14%        9%        7%        6%        8%        5%        5%        8%        8%        5%        5%
                                                                                          DE

       3                               185       112        73        73        74        17        21       156        29       117        67         7        97         8         5        67
                                       15%       14%       15%       15%       15%       14%       13%       14%       17%       14%       15%       17%       14%       13%       13%       15%

       4                               388       225       162       162       148        38        39       353        34       240       148        12       205        12        11       148
                                       30%       29%       33%       33%       30%       31%       25%       32%       20%       29%       33%       29%       30%       19%       28%       33%
                                                                                                               I                                       N         N                             N

       5 - Strongly agree              564       353       211       211       235        45        73       480        84       369       195        19       295        35        20       195
                                       44%       45%       43%       43%       47%       36%       47%       43%       50%       45%       43%       46%       44%       55%       51%       43%
                                                                                                                                                                          MP

       Does not apply                   62        33        29        29        28         3         2        50        12        44        18         4        34         4         1        18
                                        5%        4%        6%        6%        6%        2%        1%        4%        7%        5%        4%        9%        5%        7%        3%        4%
                                                                       G         G                                                                     O

       DK/NA                             4         3         1         1         3         -         -         4         0         1         3         1         -         -         -         3
                                        *%        *%        *%        *%        1%                            *%        *%        *%        1%        2%                                      1%

       TOP 2 BOX                       951       578       373       373       382        83       112       833       118       609       343        31       500        47        32       343
                                       75%       74%       76%       76%       76%       67%       72%       76%       71%       74%       76%       74%       74%       74%       78%       76%

       BOTTOM 2 BOX                    131        89        42        42        41        24        24       111        20        91        40         3        77         8         3        40
                                       10%       11%        9%        9%        8%       19%       15%       10%       12%       11%        9%        6%       11%       12%        8%        9%
                                                                                          DE         E

       CHI-SQUARE                          <-------6.92------> <----------------27.13----------------> <------12.85------> <-------6.3-------> <---------------------12.92--------------------->
       SIGNIFICANCE                                86%*                          99%*                          99%*                82%*                               32%*
       MEAN                            4.1       4.0       4.1       4.1       4.1       3.8       4.0       4.1       4.0       4.0       4.1       4.1       4.0       4.1       4.2       4.1

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6H Page 50

Q6 AGREEMENT: h. It was clear what to do if you had a problem
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1271        565        704        591        348        189        142        526        745       1271          -        328        433
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Strongly disagree             47         26         20         20         14         10          4         30         17         47          -         17         18
                                                  4%         5%         3%         3%         4%         5%         3%         6%         2%         4%                    5%         4%

                2                                 84         34         50         42         21         16          4         26         58         84          -         30         20
                                                  7%         6%         7%         7%         6%         9%         3%         5%         8%         7%                    9%         5%

                3                                185         86         98         99         46         16         24         94         91        185          -         46         63
                                                 15%        15%        14%        17%        13%         8%        17%        18%        12%        15%                   14%        15%

                4                                388        199        189        201        103         51         32        132        256        388          -        103        115
                                                 30%        35%        27%        34%        30%        27%        22%        25%        34%        30%                   32%        27%
                                                                                                                                           H

                5 - Strongly agree               564        217        347        228        164         93         79        242        322        564          -        131        213
                                                 44%        38%        49%        39%        47%        49%        55%        46%        43%        44%                   40%        49%
                                                                         B                                           D

                Does not apply                    62         17         44         28         21          9          4         29         33         62          -          4         28
                                                  5%         3%         6%         5%         6%         5%         3%         6%         4%         5%                    1%         7%
                                                                                                                                                                                       L

                DK/NA                              4          3          1          0          -          3          1          3          1          4          -          -          3
                                                  *%         1%         *%         *%                    2%         *%         1%         *%         *%                               1%

                TOP 2 BOX                        951        416        535        429        267        144        110        374        578        951          -        235        329
                                                 75%        74%        76%        73%        77%        76%        78%        71%        78%        75%                   72%        76%

                BOTTOM 2 BOX                     131         60         70         62         35         26          7         55         76        131          -         47         38
                                                 10%        11%        10%        11%        10%        14%         5%        11%        10%        10%                   14%         9%

                CHI-SQUARE                           <-------19.14-------> <------------------31.11------------------> <-------29.28-------> <---------.0--------> <-------11.31------->
                SIGNIFICANCE                                 100%*                            100%*                            100%*                   %*                   98%*
                MEAN                             4.1        4.0        4.1        4.0        4.1        4.1        4.3        4.0        4.1        4.1                   3.9        4.1

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6I Page 51

Q6 AGREEMENT: i. The service representative went the extra mile to make sure you got what you needed
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1043       674       369       369       402       122       150       896       147       663       380        37       533        56        36       380
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Strongly disagree            67        42        24        24        21        10        12        56        11        50        17         2        42         3         2        17
                                        6%        6%        7%        7%        5%        8%        8%        6%        7%        8%        4%        6%        8%        6%        6%        4%

       2                                85        49        36        36        26        10        13        80         5        72        13         4        62         4         2        13
                                        8%        7%       10%       10%        6%        8%        9%        9%        4%       11%        3%       10%       12%        8%        6%        3%
                                                                                                               I                   K                   P         P

       3                               234       155        79        79       100        22        33       191        43       120       114         9        95        10         6       114
                                       22%       23%       21%       21%       25%       18%       22%       21%       29%       18%       30%       24%       18%       17%       16%       30%
                                                                                                                                             J                                               MNO

       4                               339       205       134       134       119        46        40       298        41       218       121        11       180        14        13       121
                                       33%       30%       36%       36%       30%       38%       27%       33%       28%       33%       32%       30%       34%       25%       36%       32%
                                                                                           G                                                                                         N

       5 - Strongly agree              312       216        95        95       130        34        52       264        47       196       115        11       148        25        13       115
                                       30%       32%       26%       26%       32%       28%       35%       30%       32%       30%       30%       29%       28%       44%       35%       30%
                                                                                                                                                                         LMP

       Does not apply                  290       141       149       149       127         5         8       257        32       199        90         8       175        11         6        90
                                       28%       21%       40%       40%       32%        4%        6%       29%       22%       30%       24%       21%       33%       19%       16%       24%
                                                             B        FG        FG                                                                             LNO

       DK/NA                             6         6         0         0         6         0         0         6         0         6         0         1         5         0         0         0
                                        1%        1%        *%        *%        1%        *%        *%        1%        *%        1%        *%        2%        1%        *%        1%        *%

       TOP 2 BOX                       651       421       230       230       249        80        92       563        88       415       236        22       328        39        26       236
                                       62%       63%       62%       62%       62%       66%       61%       63%       60%       63%       62%       59%       62%       69%       71%       62%
                                                                                                                                                                                     L

       BOTTOM 2 BOX                    152        91        60        60        47        20        25       136        16       122        30         6       104         8         4        30
                                       15%       14%       16%       16%       12%       16%       16%       15%       11%       18%        8%       15%       20%       14%       12%        8%
                                                                                                                                   K                   P         P

       CHI-SQUARE                          <-------7.9-------> <----------------16.23----------------> <-------9.87------> <------35.03------> <-----------------------45---------------------->
       SIGNIFICANCE                                90%*                          82%*                          96%*               100%*                              100%*
       MEAN                            3.7       3.8       3.7       3.7       3.8       3.7       3.7       3.7       3.7       3.7       3.8       3.7       3.6       3.9       3.9       3.8

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6I Page 52

Q6 AGREEMENT: i. The service representative went the extra mile to make sure you got what you needed
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1043        434        608        469        298        150        126        434        609       1043          -        310        349
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Strongly disagree             67         42         25         38         12         10          7         31         36         67          -         21         21
                                                  6%        10%         4%         8%         4%         7%         6%         7%         6%         6%                    7%         6%

                2                                 85         43         41         46         29          4          6         28         57         85          -         23         24
                                                  8%        10%         7%        10%        10%         3%         5%         6%         9%         8%                    8%         7%
                                                                                    F

                3                                234         97        137         77         93         37         28        106        128        234          -         67         86
                                                 22%        22%        23%        16%        31%        24%        22%        24%        21%        22%                   22%        25%
                                                                                               D

                4                                339        152        187        183         82         42         32        138        201        339          -        106         93
                                                 33%        35%        31%        39%        27%        28%        26%        32%        33%        33%                   34%        27%
                                                                                    E

                5 - Strongly agree               312        101        211        121         83         56         52        131        181        312          -         93        120
                                                 30%        23%        35%        26%        28%        37%        41%        30%        30%        30%                   30%        34%
                                                                         B                                           D

                Does not apply                   290        149        141        150         71         49         20        121        169        290          -         22        112
                                                 28%        34%        23%        32%        24%        33%        16%        28%        28%        28%                    7%        32%
                                                              C                     G                     G                                                                            L

                DK/NA                              6          0          6          5          0          1          0          0          6          6          -          0          6
                                                  1%         *%         1%         1%         *%         *%         *%         *%         1%         1%                    *%         2%

                TOP 2 BOX                        651        252        398        304        165         98         84        269        382        651          -        199        213
                                                 62%        58%        66%        65%        55%        66%        67%        62%        63%        62%                   64%        61%

                BOTTOM 2 BOX                     152         84         66         84         40         14         14         59         93        152          -         44         45
                                                 15%        19%        11%        18%        14%         9%        11%        14%        15%        15%                   14%        13%
                                                              C

                CHI-SQUARE                           <-------27.52-------> <------------------54.45------------------> <--------4.49-------> <---------.0--------> <--------4.73------->
                SIGNIFICANCE                                 100%*                            100%*                             66%*                   %*                   68%*
                MEAN                             3.7        3.5        3.9        3.7        3.7        3.9        3.9        3.7        3.7        3.7                   3.7        3.8
                                                                         B

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6J Page 53

Q6 AGREEMENT: j. You understood what would happen next and when things were to happen
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1281       764       517       517       480       127       157      1108       173       823       458        43       681        61        39       458
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Strongly disagree            48        33        15        15        11        10        12        39         9        33        15         2        27         2         1        15
                                        4%        4%        3%        3%        2%        8%        7%        4%        5%        4%        3%        4%        4%        4%        3%        3%
                                                                                           E         E

       2                                74        42        32        32        15        15        12        61        13        55        19         3        47         3         2        19
                                        6%        6%        6%        6%        3%       12%        8%        6%        7%        7%        4%        8%        7%        5%        6%        4%
                                                                                           E

       3                               207       116        91        91        71        18        28       184        23       143        64         4       126         8         6        64
                                       16%       15%       18%       18%       15%       14%       18%       17%       13%       17%       14%        8%       19%       13%       15%       14%
                                                                                                                                                                 L

       4                               386       209       177       177       132        34        43       339        47       239       147        15       196        17        11       147
                                       30%       27%       34%       34%       28%       27%       27%       31%       27%       29%       32%       36%       29%       27%       29%       32%

       5 - Strongly agree              562       360       202       202       246        51        63       481        81       353       209        19       284        32        18       209
                                       44%       47%       39%       39%       51%       40%       40%       43%       47%       43%       46%       44%       42%       51%       47%       46%
                                                                               DFG

       Does not apply                   52        50         1         1        49         1         1        45         6        39        13         2        28         6         3        13
                                        4%        7%        *%        *%       10%        *%        1%        4%        4%        5%        3%        5%        4%        9%        8%        3%
                                                   C                           DFG                                                                                         P         P

       DK/NA                             4         4         -         -         3         0         0         4         0         0         3         0         -         0         0         3
                                        *%        *%                            1%        *%        *%        *%        *%        *%        1%        *%                  *%        *%        1%

       TOP 2 BOX                       948       569       379       379       379        85       105       820       128       592       357        34       480        48        29       357
                                       74%       74%       73%       73%       79%       67%       67%       74%       74%       72%       78%       79%       71%       79%       76%       78%
                                                                                FG

       BOTTOM 2 BOX                    122        75        47        47        27        24        24       101        21        88        34         5        74         5         3        34
                                       10%       10%        9%        9%        6%       19%       15%        9%       12%       11%        7%       12%       11%        9%        9%        7%
                                                                                          DE         E

       CHI-SQUARE                          <------11.91------> <----------------43.76----------------> <-------3.48------> <-------7.53------> <---------------------14.07--------------------->
       SIGNIFICANCE                                98%*                         100%*                          52%*                89%*                               41%*
       MEAN                            4.0       4.1       4.0       4.0       4.2       3.8       3.8       4.1       4.0       4.0       4.1       4.1       4.0       4.2       4.1       4.1
                                                                                FG

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q6J Page 54

Q6 AGREEMENT: j. You understood what would happen next and when things were to happen
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1281        576        704        606        347        182        146        534        747       1281          -        330        413
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Strongly disagree             48         22         26         17         12          8         11         26         22         48          -         20         12
                                                  4%         4%         4%         3%         4%         4%         7%         5%         3%         4%                    6%         3%

                2                                 74         26         47         41         13         17          3         35         39         74          -         26         13
                                                  6%         5%         7%         7%         4%         9%         2%         7%         5%         6%                    8%         3%

                3                                207        106        100        109         57         20         21         86        121        207          -         54         61
                                                 16%        18%        14%        18%        16%        11%        14%        16%        16%        16%                   16%        15%

                4                                386        197        189        199        103         38         46        181        205        386          -        102         98
                                                 30%        34%        27%        33%        30%        21%        32%        34%        27%        30%                   31%        24%

                5 - Strongly agree               562        221        341        240        161         96         65        203        359        562          -        127        227
                                                 44%        38%        48%        40%        46%        53%        45%        38%        48%        44%                   38%        55%
                                                                         B                                                                 H                                           L

                Does not apply                    52          7         45         13         21         17          1         21         31         52          -          2         48
                                                  4%         1%         6%         2%         6%         9%         *%         4%         4%         4%                    1%        12%
                                                                         B                     G          G                                                                            L

                DK/NA                              4          3          1          0          0          3          -          3          0          4          -          0          3
                                                  *%         1%         *%         *%         *%         2%                    1%         *%         *%                    *%         1%

                TOP 2 BOX                        948        418        530        439        265        134        111        384        564        948          -        229        324
                                                 74%        73%        75%        72%        76%        73%        76%        72%        76%        74%                   70%        78%

                BOTTOM 2 BOX                     122         48         73         58         25         25         14         61         61        122          -         46         25
                                                 10%         8%        10%        10%         7%        14%        10%        11%         8%        10%                   14%         6%
                                                                                                                                                                            M

                CHI-SQUARE                           <-------18.87-------> <------------------35.38------------------> <--------15.4-------> <---------.0--------> <-------26.47------->
                SIGNIFICANCE                                 100%*                            100%*                            100%*                   %*                  100%*
                MEAN                             4.0        4.0        4.1        4.0        4.1        4.1        4.0        3.9        4.1        4.0                   3.9        4.3
                                                                                                                                                                                       L

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                       Table Q7 Page 55

Q7 Overall, how satisfied were you with the quality of service you received from the National Student Loans Service Centre in the past year?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1333       814       518       518       529       127       158      1153       180       862       471        45       708        67        42       471
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1479      1169       310       310       358       383       428      1067       412      1108       371       267       283       276       282       371

       1 - Very dissatisfied            28        20         8         8        10         7         3        20         8        18        10         1        13         3         1        10
                                        2%        2%        1%        1%        2%        6%        2%        2%        5%        2%        2%        2%        2%        4%        3%        2%
                                                                                          DG

       2                                38        34         3         3        18         7         9        33         5        29         8         2        24         2         1         8
                                        3%        4%        1%        1%        3%        6%        6%        3%        3%        3%        2%        4%        3%        4%        3%        2%
                                                   C                                       D         D

       3                               204       119        85        85        61        24        33       185        19       140        63         5       123         7         5        63
                                       15%       15%       16%       16%       12%       19%       21%       16%       10%       16%       13%       12%       17%       11%       12%       13%
                                                                                                     E

       4                               530       288       242       242       196        40        52       452        77       337       193        20       277        23        16       193
                                       40%       35%       47%       47%       37%       31%       33%       39%       43%       39%       41%       44%       39%       34%       39%       41%
                                                             B        FG

       5 - Very satisfied              533       354       180       180       243        49        62       463        70       337       196        17       271        32        17       196
                                       40%       43%       35%       35%       46%       38%       39%       40%       39%       39%       42%       38%       38%       47%       41%       42%
                                                                                 D

       DK/NA                             0         0         -         -         0         -         -         0         -         0         -         -         -         -         0         -
                                        *%        *%                            *%                            *%                  *%                                                1%          

       TOP 2 BOX                      1063       641       422       422       439        89       114       915       148       674       389        37       549        55        34       389
                                       80%       79%       81%       81%       83%       70%       72%       79%       82%       78%       83%       82%       78%       81%       80%       83%
                                                                      FG        FG

       BOTTOM 2 BOX                     65        54        11        11        28        14        11        52        13        47        18         3        36         5         3        18
                                        5%        7%        2%        2%        5%       11%        7%        5%        7%        5%        4%        6%        5%        8%        7%        4%
                                                   C                                      DE         D

       CHI-SQUARE                          <------32.48------> <----------------55.59----------------> <-------9.82------> <-------5.47------> <---------------------12.33--------------------->
       SIGNIFICANCE                               100%*                         100%*                          96%*                76%*                               28%*
       MEAN                            4.1       4.1       4.1       4.1       4.2       3.9       4.0       4.1       4.1       4.1       4.2       4.1       4.1       4.2       4.1       4.2
                                                                                 F

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                       Table Q7 Page 56

Q7 Overall, how satisfied were you with the quality of service you received from the National Student Loans Service Centre in the past year?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1333        583        749        619        369        199        146        555        777       1333          -        332        461
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                  1479        443       1034        569        476        227        207        548        931       1479          -        640        492

                1 - Very dissatisfied             28         11         17         12          8          4          4         16         11         28          -         12          6
                                                  2%         2%         2%         2%         2%         2%         2%         3%         1%         2%                    4%         1%

                2                                 38         12         25         14          9          8          6          9         29         38          -         20         14
                                                  3%         2%         3%         2%         2%         4%         4%         2%         4%         3%                    6%         3%

                3                                204         96        106        106         64         22         11         94        110        204          -         55         62
                                                 15%        16%        14%        17%        17%        11%         8%        17%        14%        15%                   17%        13%
                                                                                    G          G

                4                                530        267        263        275        141         55         59        229        301        530          -        110        168
                                                 40%        46%        35%        44%        38%        28%        40%        41%        39%        40%                   33%        36%
                                                              C                     F

                5 - Very satisfied               533        196        337        212        145        110         66        207        327        533          -        136        211
                                                 40%        34%        45%        34%        39%        55%        45%        37%        42%        40%                   41%        46%
                                                                         B                               DE

                DK/NA                              0          -          0          -          0          -          -          0          -          0          -          -          0
                                                  *%                    *%                    *%                               *%                    *%                               *%

                TOP 2 BOX                       1063        463        600        487        287        165        125        436        627       1063          -        246        379
                                                 80%        80%        80%        79%        78%        83%        85%        79%        81%        80%                   74%        82%

                BOTTOM 2 BOX                      65         23         42         26         17         12         10         25         40         65          -         31         20
                                                  5%         4%         6%         4%         5%         6%         7%         5%         5%         5%                    9%         4%

                CHI-SQUARE                           <-------23.01-------> <------------------41.88------------------> <-------12.98-------> <---------.0--------> <-------10.84------->
                SIGNIFICANCE                                 100%*                            100%*                             99%*                   %*                   97%*
                MEAN                             4.1        4.1        4.2        4.1        4.1        4.3        4.2        4.1        4.2        4.1                   4.0        4.2

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q7A Page 57

Q7a Overall, how satisfied were you with the quality of service provided by the National Student Loans Service Centre with respect to your student loan in the 
past year?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    234         -       234       234         -         -         -       212        23       183        51         6       163        10         5        51
                                       100                 100       100                                     100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  130         -       130       130         -         -         -        97        33       105        25        25        33        25        22        25

       2                                 6         -         6         6         -         -         -         6         -         6         -         -         6         0         -         -
                                        3%                  3%        3%                                      3%                  3%                            4%        5%                    

       3                                29         -        29        29         -         -         -        26         3        28         1         1        24         2         1         1
                                       12%                 12%       12%                                     12%       15%       15%        3%       12%       15%       19%       16%        3%

       4                               118         -       118       118         -         -         -       106        12        91        27         3        84         2         2        27
                                       50%                 50%       50%                                     50%       53%       50%       52%       46%       52%       24%       40%       52%
                                                                                                                                                                 N                             N

       5 - Very satisfied               78         -        78        78         -         -         -        71         7        58        20         3        49         5         2        20
                                       33%                 33%       33%                                     34%       32%       32%       39%       43%       30%       52%       39%       39%

       DK/NA                             3         -         3         3         -         -         -         3         -         0         3         -         -         -         0         3
                                        1%                  1%        1%                                      1%                  *%        5%                                      5%        5%

       TOP 2 BOX                       196         -       196       196         -         -         -       177        19       149        47         5       133         7         4        47
                                       84%                 84%       84%                                     84%       85%       81%       92%       88%       82%       76%       79%       92%

       BOTTOM 2 BOX                      6         -         6         6         -         -         -         6         -         6         -         -         6         0         -         -
                                        3%                  3%        3%                                      3%                  3%                            4%        5%                    

       CHI-SQUARE                          <--------.0-------> <------------------.0-----------------> <-------.86-------> <-------7.39------> <---------------------11.36--------------------->
       SIGNIFICANCE                                 %*                            %*                           7%*                 88%*                               21%*
       MEAN                            4.2                 4.2       4.2                                     4.2       4.2       4.1       4.4       4.3       4.1       4.2       4.2       4.4

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q7A Page 58

Q7a Overall, how satisfied were you with the quality of service provided by the National Student Loans Service Centre with respect to your student loan in the 
past year?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     234        212         22        188         14          9         22        103        132          -        212          -          -
                                                 100        100        100        100        100        100        100        100        100                   100                      

                Unweighted 'N'                   130        116         14        100         13          5         12         52         78          -        107          -          -

                2                                  6          6          -          6          -          -          -          -          6          -          6          -          -
                                                  3%         3%                    3%                                                     5%                    3%                      

                3                                 29         27          2         28          1          -          -          5         24          -         27          -          -
                                                 12%        13%         7%        15%         7%                               5%        18%                   13%                      

                4                                118        111          7        103          6          1          9         56         62          -        105          -          -
                                                 50%        52%        32%        55%        42%         6%        38%        55%        47%                   50%                      
                                                                                    F

                5 - Very satisfied                78         65         13         51          7          6         14         41         37          -         71          -          -
                                                 33%        31%        59%        27%        51%        65%        62%        40%        28%                   33%                      

                DK/NA                              3          3          0          0          -          3          -          -          3          -          3          -          -
                                                  1%         1%         1%         *%                   29%                               2%                    1%                      

                TOP 2 BOX                        196        176         20        154         13          7         22         98         98          -        176          -          -
                                                 84%        83%        91%        82%        93%        71%       100%        95%        75%                   83%                      
                                                                                                                     D          I

                BOTTOM 2 BOX                       6          6          -          6          -          -          -          -          6          -          6          -          -
                                                  3%         3%                    3%                                                     5%                    3%                      

                CHI-SQUARE                           <--------7.55-------> <------------------25.79------------------> <-------16.88-------> <---------.0--------> <---------.0-------->
                SIGNIFICANCE                                  89%*                             99%*                            100%*                   %*                    %*
                MEAN                             4.2        4.1        4.5        4.1        4.4        4.9        4.6        4.4        4.0                   4.2                      

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q7B Page 59

Q7b Overall, how satisfied were you with the quality of service provided by the National Student Loans Service Centre with respect to the repayment of your 
student loan in the past year
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    286       286         -         -       274         8         4       248        38       180       106        16       138        17        10       106
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  244       244         -         -       187        39        18       167        77       194        50        59        38        50        47        50

       1 - Very dissatisfied             3         3         -         -         3         0         -         3         0         2         2         1         -         1         0         2
                                        1%        1%                            1%        1%                  1%        1%        1%        2%        6%                  3%        2%        2%

       2                                17        17         -         -        15         2         -        16         1        12         5         0        11         -         1         5
                                        6%        6%                            6%       23%                  7%        2%        7%        5%        2%        8%                  6%        5%

       3                                55        55         -         -        52         2         1        42        12        33        22         3        25         3         2        22
                                       19%       19%                           19%       24%       19%       17%       32%       18%       20%       19%       18%       19%       19%       20%

       4                                74        74         -         -        71         2         2        62        12        43        31         5        31         5         2        31
                                       26%       26%                           26%       21%       35%       25%       33%       24%       30%       30%       22%       31%       23%       30%

       5 - Very satisfied               98        98         -         -        94         2         2        88        10        67        31         7        49         7         4        31
                                       34%       34%                           34%       27%       45%       35%       27%       37%       29%       42%       36%       42%       47%       29%

       DK/NA                            38        38         -         -        38         0         -        36         2        23        15         -        22         1         0        15
                                       13%       13%                           14%        3%                 15%        5%       13%       14%                 16%        4%        4%       14%

       TOP 2 BOX                       173       173         -         -       165         4         4       150        23       110        62        11        80        13         7        62
                                       60%       60%                           60%       49%       81%       60%       60%       61%       59%       72%       58%       73%       70%       59%

       BOTTOM 2 BOX                     21        21         -         -        19         2         -        19         1        14         7         1        11         1         1         7
                                        7%        7%                            7%       24%                  8%        3%        8%        6%        9%        8%        3%        7%        6%

       CHI-SQUARE                          <--------.0-------> <-----------------4.06----------------> <-------5.26------> <-------3.07------> <---------------------11.28--------------------->
       SIGNIFICANCE                                 %*                           2%*                           74%*                45%*                               21%*
       MEAN                            4.0       4.0                           4.0       3.5       4.3       4.0       3.9       4.0       3.9       4.0       4.0       4.1       4.1       3.9

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q7B Page 60

Q7b Overall, how satisfied were you with the quality of service provided by the National Student Loans Service Centre with respect to the repayment of your 
student loan in the past year
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     286         26        260         60        112         65         49        135        151          -        275         33        248
                                                 100        100        100        100        100        100        100        100        100                   100        100        100

                Unweighted 'N'                   244         28        216         60         89         53         42        103        141          -        232         38        204

                1 - Very dissatisfied              3          -          3          0          1          2          1          3          0          -          3          -          3
                                                  1%                    1%         *%         1%         3%         1%         2%         *%                    1%                    1%

                2                                 17          1         16          1          7          7          3         15          3          -         17          7         10
                                                  6%         2%         6%         1%         6%        10%         6%        11%         2%                    6%        21%         4%

                3                                 55          5         49          6         23         11         14         24         31          -         53          6         48
                                                 19%        19%        19%        10%        20%        17%        29%        17%        21%                   19%        19%        20%

                4                                 74         10         64         12         31         22          9         38         36          -         71          9         65
                                                 26%        39%        25%        21%        28%        34%        18%        28%        24%                   26%        28%        26%

                5 - Very satisfied                98          4         94         35         39         18          7         34         65          -         97          9         90
                                                 34%        16%        36%        59%        35%        27%        13%        25%        43%                   35%        26%        36%
                                                                                   FG

                DK/NA                             38          6         32          5         12          5         16         22         16          -         34          2         31
                                                 13%        24%        12%         9%        10%         8%        33%        16%        11%                   12%         6%        13%
                                                                                                                     F

                TOP 2 BOX                        173         14        158         48         70         40         15         72        101          -        168         18        155
                                                 60%        55%        61%        80%        62%        61%        31%        53%        67%                   61%        55%        62%
                                                                                    G          G          G

                BOTTOM 2 BOX                      21          1         20          1          8          9          3         18          3          -         21          7         14
                                                  7%         2%         8%         1%         7%        13%         7%        13%         2%                    7%        21%         5%

                CHI-SQUARE                           <--------6.21-------> <------------------32.09------------------> <-------19.73-------> <---------.0--------> <-------14.13------->
                SIGNIFICANCE                                  82%*                            100%*                            100%*                   %*                   99%*
                MEAN                             4.0        3.9        4.0        4.5        4.0        3.8        3.5        3.8        4.2                   4.0        3.6        4.0
                                                                                   FG                                                      H

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                    Table Q7ALL Page 61

Q7ALL Overall, how satisfied were you with the quality of service you received from the National Student Loans Service Centre in the past year?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       1 - Very dissatisfied            31        23         8         8        14         7         3        23         8        19        12         2        13         3         2        12
                                        2%        2%        1%        1%        2%        5%        2%        1%        4%        2%        2%        3%        1%        4%        3%        2%
                                                                                         DEG

       2                                61        51        10        10        34         9         9        55         6        48        13         2        41         3         2        13
                                        3%        5%        1%        1%        4%        7%        5%        3%        2%        4%        2%        3%        4%        3%        3%        2%
                                                   C                                       D         D

       3                               287       173       114       114       113        26        34       253        34       201        86         9       172        12         8        86
                                       16%       16%       15%       15%       14%       19%       21%       16%       14%       16%       14%       13%       17%       13%       14%       14%

       4                               722       362       360       360       267        41        54       620       102       471       251        27       392        31        20       251
                                       39%       33%       48%       48%       33%       31%       33%       38%       42%       38%       40%       41%       39%       33%       36%       40%
                                                             B       EFG

       5 - Very satisfied              710       452       258       258       337        51        64       622        88       463       247        26       369        44        24       247
                                       38%       41%       34%       34%       42%       38%       39%       39%       37%       38%       39%       40%       37%       47%       42%       39%
                                                                                                                                                                           M

       DK/NA                            42        39         3         3        38         0         -        40         2        24        18         -        22         1         1        18
                                        2%        3%        *%        *%        5%        *%                  2%        1%        2%        3%                  2%        1%        2%        3%
                                                   C                            DF

       TOP 2 BOX                      1432       814       618       618       604        93       117      1242       190       934       498        54       762        75        44       498
                                       77%       74%       82%       82%       75%       69%       72%       77%       79%       76%       79%       80%       75%       79%       79%       79%
                                                             B        FG

       BOTTOM 2 BOX                     92        75        17        17        47        16        11        78        14        67        25         4        53         6         3        25
                                        5%        7%        2%        2%        6%       12%        7%        5%        6%        5%        4%        6%        5%        7%        6%        4%
                                                   C                                      DE         D

       CHI-SQUARE                          <------49.22------> <----------------66.69----------------> <-------7.32------> <-------6.75------> <---------------------16.17--------------------->
       SIGNIFICANCE                               100%*                         100%*                          88%*                85%*                               56%*
       MEAN                            4.1       4.1       4.1       4.1       4.2       3.9       4.0       4.1       4.1       4.1       4.2       4.1       4.1       4.2       4.1       4.2

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                    Table Q7ALL Page 62

Q7ALL Overall, how satisfied were you with the quality of service you received from the National Student Loans Service Centre in the past year?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                1 - Very dissatisfied             31         11         20         12          9          6          4         19         12         28          3         12          9
                                                  2%         1%         2%         1%         2%         2%         2%         2%         1%         2%         1%         3%         1%

                2                                 61         19         42         21         16         15          9         23         38         38         23         26         25
                                                  3%         2%         4%         2%         3%         5%         4%         3%         4%         3%         5%         7%         3%

                3                                287        128        158        140         88         34         25        122        165        204         80         61        110
                                                 16%        16%        15%        16%        18%        12%        12%        15%        16%        15%        16%        17%        16%

                4                                722        388        334        390        179         77         76        324        398        530        176        119        233
                                                 39%        47%        32%        45%        36%        28%        35%        41%        38%        40%        36%        33%        33%
                                                              C                     F

                5 - Very satisfied               710        266        444        298        191        134         87        282        428        533        168        145        301
                                                 38%        32%        43%        34%        39%        49%        40%        36%        40%        40%        34%        40%        42%
                                                                         B                                D

                DK/NA                             42          9         33          5         12          8         16         22         19          0         37          2         32
                                                  2%         1%         3%         1%         2%         3%         7%         3%         2%         *%         8%         1%         4%
                                                                                                                     D                                           J                     L

                TOP 2 BOX                       1432        654        778        689        370        211        163        606        826       1063        344        264        534
                                                 77%        80%        76%        79%        75%        77%        75%        76%        78%        80%        71%        72%        75%
                                                                                                                                                      K

                BOTTOM 2 BOX                      92         30         62         33         25         20         13         43         49         65         27         38         34
                                                  5%         4%         6%         4%         5%         7%         6%         5%         5%         5%         5%        10%         5%
                                                                                                                                                                            M

                CHI-SQUARE                           <-------44.54-------> <------------------41.65------------------> <--------9.49-------> <-------10.75-------> <-------11.91------->
                SIGNIFICANCE                                 100%*                            100%*                             95%*                  97%*                  98%*
                MEAN                             4.1        4.1        4.1        4.1        4.1        4.2        4.1        4.1        4.1        4.1        4.1        4.0        4.2

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                       Table Q8 Page 63

Q8 In the last year, did you have any difficulties with the service provided by the National Student Loans Service Centre?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       Yes                             310       191       118       118       108        45        38       274        35       205       105        10       171        13        10       105
                                       17%       17%       16%       16%       14%       33%       23%       17%       15%       17%       17%       16%       17%       14%       18%       17%
                                                                                         DEG         E

       No                             1531       899       631       631       686        89       124      1328       203      1018       512        56       835        81        45       512
                                       83%       82%       84%       84%       85%       66%       76%       82%       84%       83%       82%       84%       83%       86%       81%       82%
                                                                       F        FG                   F

       DK/NA                            12        10         3         3         8         1         1        10         2         3        10         -         2         0         0        10
                                        1%        1%        *%        *%        1%        1%        *%        1%        1%        *%        2%                  *%        *%        1%        2%
                                                                                                                                                                                               N

       CHI-SQUARE                          <-------2.77------> <----------------41.05----------------> <-------1.05------> <------11.36------> <---------------------12.48--------------------->
       SIGNIFICANCE                                75%                          100%*                          41%                 100%                               87%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                       Table Q8 Page 64

Q8 In the last year, did you have any difficulties with the service provided by the National Student Loans Service Centre?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                Yes                              310        168        141        162         93         28         27        131        179        260         44         94         88
                                                 17%        20%        14%        19%        19%        10%        12%        17%        17%        20%         9%        26%        12%
                                                              C                     F                                                                 K                     M

                No                              1531        647        883        704        397        242        188        658        873       1069        437        270        612
                                                 83%        79%        86%        81%        80%        89%        86%        83%        82%        80%        90%        74%        86%
                                                                         B                                                                                       J                     L

                DK/NA                             12          6          6          1          6          3          4          4          9          3          6          1          9
                                                  1%         1%         1%         *%         1%         1%         2%         *%         1%         *%         1%         *%         1%

                CHI-SQUARE                           <-------15.13-------> <------------------24.69------------------> <--------.94--------> <-------35.27-------> <-------32.47------->
                SIGNIFICANCE                                  100%                            100%*                             38%                   100%                  100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                       Table Q9 Page 65

Q9 What difficulty did you encounter in the last year?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    310       191       118       118       108        45        38       274        35       205       105        10       171        13        10       105
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  375       298        77        77        61       131       106       278        97       285        90        72        73        60        80        90

       It took too long to              39        22        17        17        13         3         6        31         8        25        14         1        23         1         0        14
       receive the information         13%       12%       14%       14%       12%        6%       16%       11%       22%       12%       13%       12%       13%        7%        4%       13%
       I needed                 

       Lack of notification/            38        28        10        10        22         3         4        34         4        28        10         1        25         1         1        10
       reminders received              12%       15%        8%        8%       20%        7%        9%       13%       10%       14%        9%        8%       15%        9%       11%        9%

       I was given incorrect            30        15        15        15         4         7         4        25         5        21         9         1        17         1         2         9
       information                     10%        8%       13%       13%        4%       15%       11%        9%       14%       10%        9%       13%       10%        8%       16%        9%
                                                                                           E

       I received conflicting           29        17        12        12         5         3         9        26         3        22         7         1        18         2         1         7
       information from NSLSC           9%        9%       10%       10%        5%        6%       23%        9%        9%       11%        7%        6%       11%       16%        9%        7%
                                                                                                    EF

       My forms or information          26        13        13        13         5         2         6        23         3        20         6         0        17         1         1         6
       were lost                        8%        7%       11%       11%        5%        5%       15%        8%       10%       10%        6%        2%       10%        9%       13%        6%
                                                                                                                                                                                     L

       Processing of my                 24        16         9         9         7         5         4        17         8         9        15         1         6         1         1        15
       application took a long          8%        8%        7%        7%        6%       12%       11%        6%       21%        4%       15%        7%        4%        9%        7%       15%
       time                     

       I had to call more than          22        14         8         8         4         4         6        19         3        16         6         1        11         1         2         6
       once to receive                  7%        7%        7%        7%        4%        9%       15%        7%        8%        8%        6%       14%        7%       11%       16%        6%
       information              

       Information given was            21        14         7         7         3         6         6        19         2         9        12         1         7         0         1        12
       unclear                          7%        7%        6%        6%        2%       13%       15%        7%        7%        5%       11%        9%        4%        4%       12%       11%
                                                                                                     E

       Difficulty making                20        14         6         6        11         2         1        19         1        19         1         0        17         1         0         1
       payments                         6%        7%        5%        5%       10%        5%        2%        7%        3%        9%        1%        1%       10%        8%        3%        1%
                                                                                                                                   K                             P

       I had to keep following          18         9         9         9         3         4         3        13         5        13         5         0        10         2         1         5
       up to get information            6%        5%        7%        7%        2%        9%        7%        5%       13%        6%        5%        4%        6%       13%        8%        5%

       Employees were not               17        11         6         6         9         2         0        16         1        14         3         1        12         -         1         3
       helpful/knowledgeable            5%        6%        5%        5%        8%        4%        *%        6%        2%        7%        3%        6%        7%                  7%        3%

       It was hard to get               17         8         9         9         4         2         2        14         3         9         7         1         8         0         0         7
       through to staff/                5%        4%        8%        8%        3%        4%        6%        5%        8%        4%        7%        5%        5%        2%        4%        7%
       telephone busy           

       I got bounced around             15         5        10        10         2         3         1        14         1        12         3         1         8         2         0         3
       from one person to               5%        3%        8%        8%        2%        6%        2%        5%        3%        6%        3%       14%        5%       14%        5%        3%
       another                  

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                       Table Q9 Page 66
                                                                                                                                                                                       (Continued)

Q9 What difficulty did you encounter in the last year?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Borrowing limit too low          12         0        12        12         -         0         -        10         3         7         6         0         6         1         -         6
                                        4%        *%       10%       10%                  1%                  4%        8%        3%        6%        3%        3%        4%                  6%

       Did not qualify for              12        12         -         -         3         4         5         9         3         7         6         0         6         0         0         6
       Interest Relief                  4%        6%                            3%       10%       12%        3%        9%        3%        5%        2%        4%        1%        2%        5%

       Difficulty updating              12        12         -         -        11         1         -        11         1        11         1         0        10         0         -         1
       address/name/banking             4%        6%                           10%        2%                  4%        3%        5%        1%        4%        6%        3%                  1%
       information              

       Technical problems using         10         7         3         3         7         -         -        10         -         2         8         2         -         -         0         8
       website                          3%        4%        3%        3%        6%                            4%                  1%        8%       20%                            2%        8%
                                                                                                                                                       O

       The employees were rude           9         6         3         3         1         2         2         7         2         4         5         1         1         1         0         5
                                        3%        3%        2%        2%        1%        5%        5%        3%        5%        2%        5%        9%        1%        6%        3%        5%

       Incorrectly assessed              7         1         6         6         1         1         -         7         0         7         1         0         6         1         0         1
       charges                          2%        1%        5%        5%        1%        1%                  2%        1%        3%        *%        *%        3%        4%        4%        *%

       Lack of follow-through            3         3         -         -         0         3         0         3         0         3         1         -         2         0         0         1
                                        1%        2%                            *%        6%        *%        1%        1%        1%        1%                  1%        2%        1%        1%

       Could not find contact            3         1         2         2         1         0         -         1         1         3         -         0         1         1         0         -
       information                      1%        1%        1%        1%        1%        *%                  *%        4%        1%                  4%        1%        5%        2%          

       Language barriers when            3         2         0         0         2         0         -         2         1         2         1         1         -         0         1         1
       speaking with employees          1%        1%        *%        *%        2%        1%                  1%        3%        1%        1%        8%                  1%        8%        1%

       Other                            25        11        14        14         6         4         1        21         4        16         9         1        12         2         1         9
                                        8%        6%       11%       11%        6%        9%        3%        8%       11%        8%        8%       10%        7%       12%       11%        8%

       DK/NA                             3         1         2         2         -         1         -         3         -         1         2         -         1         -         -         2
                                        1%        1%        2%        2%                  2%                  1%                  1%        2%                  1%                            2%

       CHI-SQUARE                          <------57.91------> <----------------154.84---------------> <------22.25------> <------54.34------> <---------------------99.53--------------------->
       SIGNIFICANCE                               100%*                         100%*                          49%*               100%*                               72%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                       Table Q9 Page 67

Q9 What difficulty did you encounter in the last year?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     310        168        141        162         93         28         27        131        179        260         44         94         88
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                   375        141        233        149        130         58         38        152        223        345         27        197         87

                It took too long to               39         23         16         23         13          2          1         18         21         39          -         12         10
                receive the information          13%        14%        11%        14%        14%         6%         5%        14%        12%        15%                   13%        11%
                I needed                 

                Lack of notification/             38         20         18         22          5         10          1         12         26         33          5         14          9
                reminders received               12%        12%        13%        13%         5%        37%         5%         9%        15%        13%        12%        14%        11%
                                                                                                         EG

                I was given incorrect             30         19         11         18          9          2          1         17         13         30          0         11          4
                information                      10%        12%         8%        11%         9%         8%         5%        13%         7%        12%         *%        12%         5%
                                                                                                                                                      K

                I received conflicting            29         19         10         18          7          3          1         10         18         29          0          8          9
                information from NSLSC            9%        11%         7%        11%         7%        11%         5%         8%        10%        11%         *%         9%        10%
                                                                                                                                                      K

                My forms or information           26         17          9         11          7          2          7         11         15         17          3          8          5
                were lost                         8%        10%         6%         7%         7%         7%        26%         8%         9%         6%         8%         9%         5%

                Processing of my                  24         13         11         13          7          1          3         11         13         21          3          9          6
                application took a long           8%         8%         7%         8%         8%         5%        12%         9%         7%         8%         7%         9%         7%
                time                     

                I had to call more than           22         14          8          9          9          3          1         15          7         22          -          8          6
                once to receive                   7%         9%         5%         6%         9%        11%         3%        11%         4%         8%                    9%         6%
                information              

                Information given was             21         10         11          9          6          4          2         15          6         21          0         13          1
                unclear                           7%         6%         8%         6%         7%        13%         7%        11%         4%         8%         1%        14%         1%
                                                                                                                                                                            M

                Difficulty making                 20         11          9          6         13          0          1         13          7         14          6          3         11
                payments                          6%         7%         6%         4%        14%         *%         3%        10%         4%         5%        13%         3%        13%
                                                                                               F

                I had to keep following           18         10          8         10          4          3          0          7         11         18          -          6          3
                up to get information             6%         6%         6%         6%         5%        11%         1%         5%         6%         7%                    7%         3%

                Employees were not                17          6         11         12          4          0          1          1         16         17          -          2          9
                helpful/knowledgeable             5%         4%         8%         7%         5%         *%         2%         1%         9%         6%                    2%        10%
                                                                                                                                           H

                It was hard to get                17         14          3         10          4          1          1          8          8         17          -          6          2
                through to staff/                 5%         8%         2%         6%         5%         5%         3%         6%         5%         6%                    6%         2%
                telephone busy           

                I got bounced around              15         12          3         10          5          -          0          9          7         15          0          2          2
                from one person to                5%         7%         2%         6%         5%                    1%         7%         4%         6%         1%         2%         2%
                another                  

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                       Table Q9 Page 68
                                                                                                                                                                                       (Continued)

Q9 What difficulty did you encounter in the last year?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Borrowing limit too low           12         12          0         12          0          -          0          3          9          4          9          -          0
                                                  4%         7%         *%         7%         *%                    *%         2%         5%         1%        20%                    1%

                Did not qualify for               12          0         12          3          5          1          3          5          7         12          -         12          0
                Interest Relief                   4%         *%         9%         2%         6%         2%        12%         4%         4%         5%                   13%         *%
                                                                         B                                                                                                  M

                Difficulty updating               12          0         11          1          5          0          5          5          6          6          5          1         11
                address/name/banking              4%         *%         8%         1%         6%         *%        19%         4%         3%         2%        12%         1%        12%
                information                                              B

                Technical problems using          10          4          7          3          4          1          3          7          4          7          3          4          4
                website                           3%         2%         5%         2%         4%         2%        11%         5%         2%         3%         7%         4%         4%

                The employees were rude            9          4          5          5          2          1          1          4          5          8          0          5          0
                                                  3%         2%         3%         3%         2%         5%         2%         3%         3%         3%         *%         6%         1%

                Incorrectly assessed               7          6          1          6          0          0          1          1          6          6          1          1          0
                charges                           2%         4%         1%         4%         *%         1%         2%         1%         4%         2%         2%         1%         *%

                Lack of follow-through             3          1          3          2          1          0          -          2          1          3          -          3          0
                                                  1%         *%         2%         1%         2%         *%                    1%         1%         1%                    3%         *%

                Could not find contact             3          2          1          2          1          -          0          0          3          1          1          0          1
                information                       1%         1%         1%         1%         1%                    *%         *%         1%         *%         3%         *%         1%

                Language barriers when             3          1          2          1          0          1          1          1          2          3          -          0          2
                speaking with employees           1%         *%         1%         1%         *%         3%         3%         1%         1%         1%                    *%         2%

                Other                             25         16          9         17          5          1          1          9         16         18          6          4          7
                                                  8%         9%         7%        10%         6%         5%         5%         7%         9%         7%        14%         4%         8%

                DK/NA                              3          3          -          1          2          -          -          2          1          3          -          -          1
                                                  1%         2%                    1%         3%                               2%         1%         1%                               1%

                CHI-SQUARE                           <-------64.16-------> <------------------121.83-----------------> <-------42.29-------> <-------110.91------> <-------59.51------->
                SIGNIFICANCE                                 100%*                            100%*                             99%*                 100%*                 100%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q10 Page 69

Q10 Was your difficulty resolved to your satisfaction?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    310       191       118       118       108        45        38       274        35       205       105        10       171        13        10       105
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  375       298        77        77        61       131       106       278        97       285        90        72        73        60        80        90

       Yes                             155        89        65        65        49        17        23       142        13        99        56         5        79         7         7        56
                                       50%       47%       55%       55%       45%       39%       62%       52%       36%       48%       53%       51%       46%       52%       70%       53%
                                                                                                     F                                                                               M

       No                              148        98        50        50        59        26        13       129        19       105        43         4        92         6         3        43
                                       48%       51%       42%       42%       54%       58%       34%       47%       53%       51%       41%       42%       54%       45%       28%       41%
                                                                                           G                                                                     O

       DK/NA                             7         4         3         3         1         1         2         3         4         1         6         1         -         0         0         6
                                        2%        2%        3%        3%        1%        3%        4%        1%       11%        1%        6%        7%                  3%        2%        6%

       CHI-SQUARE                          <-------2.62------> <-----------------9.72----------------> <------14.59------> <-------9.93------> <---------------------15.22--------------------->
       SIGNIFICANCE                                73%*                          86%*                         100%*                99%*                               95%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q10 Page 70

Q10 Was your difficulty resolved to your satisfaction?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     310        168        141        162         93         28         27        131        179        260         44         94         88
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                   375        141        233        149        130         58         38        152        223        345         27        197         87

                Yes                              155         91         62         78         54         11         13         59         96        133         16         47         37
                                                 50%        54%        44%        48%        58%        38%        49%        45%        53%        51%        36%        50%        42%

                No                               148         73         75         80         38         17         13         68         80        123         25         44         50
                                                 48%        44%        53%        49%        41%        59%        50%        51%        45%        47%        57%        47%        56%

                DK/NA                              7          3          4          5          2          1          0          4          3          4          3          3          1
                                                  2%         2%         3%         3%         2%         4%         1%         3%         2%         2%         7%         3%         1%

                CHI-SQUARE                           <--------3.24-------> <-------------------4.87------------------> <--------2.63-------> <--------6.64-------> <--------1.72------->
                SIGNIFICANCE                                  80%*                             44%*                             73%*                  96%                   58%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q11 Page 71

Q11 When you contacted the National Student Loans Service Centre, how satisfied were you with the time you had to wait in order to get a decision about whether 
or not you would get Repayment Assistance or Interest Relief?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    174       146        28        28        49        29        68       145        29       110        64         3        91        10         5        64
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  330       312        18        18        23        91       198       233        97       240        90        54        59        70        57        90

       1 - Very dissatisfied             7         7         0         0         -         2         5         5         2         5         2         0         4         0         0         2
                                        4%        5%        *%        *%                  8%        7%        4%        7%        4%        4%        5%        5%        1%        5%        4%

       2                                13        12         1         1         5         4         3        10         3        11         2         0        10         1         0         2
                                        7%        8%        2%        2%       10%       14%        5%        7%        9%       10%        2%       11%       11%        9%        1%        2%

       3                                31        31         0         0        12         6        13        24         7        13        18         1        10         1         1        18
                                       18%       21%        1%        1%       25%       20%       19%       17%       24%       12%       28%       17%       11%       11%       19%       28%
                                                   C                             D         D         D                                       J                                                 N

       4                                46        41         5         5        12         7        22        33        13        29        18         1        24         2         2        18
                                       27%       28%       17%       17%       25%       25%       32%       23%       46%       26%       27%       26%       26%       23%       37%       27%

       5 - Very satisfied               59        44        15        15        11         9        25        55         4        40        19         1        32         6         2        19
                                       34%       30%       54%       54%       22%       30%       36%       38%       14%       37%       30%       30%       35%       54%       31%       30%
                                                                                                               I                                                         LOP

       DK/NA                            17        10         7         7         9         1         1        17         -        12         5         0        11         0         0         5
                                       10%        7%       25%       25%       18%        2%        1%       12%                 11%        8%       11%       12%        2%        6%        8%

       TOP 2 BOX                       106        86        20        20        23        16        47        89        17        69        37         2        55         8         3        37
                                       61%       59%       72%       72%       47%       55%       69%       61%       60%       63%       57%       56%       61%       77%       68%       57%
                                                                                                                                                                           P

       BOTTOM 2 BOX                     20        19         1         1         5         7         8        16         5        16         4         1        14         1         0         4
                                       12%       13%        2%        2%       10%       22%       11%       11%       16%       15%        6%       16%       16%       10%        6%        6%
                                                                                           D

       CHI-SQUARE                          <------14.04------> <----------------23.43----------------> <-------8.95------> <------10.25------> <---------------------12.58--------------------->
       SIGNIFICANCE                                99%*                          98%*                          94%*                96%*                               30%*
       MEAN                            3.9       3.8       4.6       4.6       3.7       3.6       3.9       4.0       3.5       3.9       3.8       3.7       3.9       4.2       3.9       3.8
                                                             B       EFG

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q11 Page 72

Q11 When you contacted the National Student Loans Service Centre, how satisfied were you with the time you had to wait in order to get a decision about whether 
or not you would get Repayment Assistance or Interest Relief?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     174         33        140         61         62         30         21         56        118        174          -         99         41
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                   330         42        287        103        119         55         53        113        217        330          -        230         70

                1 - Very dissatisfied              7          2          4          3          3          1          1          6          2          7          -          6          1
                                                  4%         6%         3%         5%         4%         2%         5%        10%         1%         4%                    6%         3%

                2                                 13          1         11          9          3          1          0          4          9         13          -         11          1
                                                  7%         4%         8%        14%         4%         5%         *%         7%         8%         7%                   11%         3%
                                                                                    G

                3                                 31          4         27         15         11          4          2         12         19         31          -         24          5
                                                 18%        13%        19%        25%        17%        12%         9%        21%        16%        18%                   24%        12%

                4                                 46          7         39          9         20          8          9          8         38         46          -         28         13
                                                 27%        21%        28%        14%        33%        26%        45%        14%        32%        27%                   28%        32%
                                                                                                                     D                     H

                5 - Very satisfied                59         12         47         12         25         15          8         23         36         59          -         28         12
                                                 34%        38%        34%        19%        40%        49%        40%        41%        31%        34%                   29%        29%

                DK/NA                             17          6         11         14          1          2          0          4         14         17          -          2          8
                                                 10%        18%         8%        23%         2%         6%         1%         6%        12%        10%                    2%        21%
                                                                                   EG                                                                                                  L

                TOP 2 BOX                        106         19         86         20         45         22         18         31         75        106          -         56         25
                                                 61%        59%        62%        33%        73%        75%        85%        56%        63%        61%                   57%        61%
                                                                                               D          D          D

                BOTTOM 2 BOX                      20          3         15         12          5          2          1          9         11         20          -         17          3
                                                 12%        10%        11%        19%         8%         7%         6%        17%         9%        12%                   17%         6%

                CHI-SQUARE                           <--------2.25-------> <-------------------23.2------------------> <-------12.95-------> <---------.0--------> <--------4.02------->
                SIGNIFICANCE                                  31%*                             97%*                             99%*                   %*                   60%*
                MEAN                             3.9        4.0        3.9        3.4        4.0        4.2        4.1        3.7        3.9        3.9                   3.6        4.0
                                                                                               D          D          D

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q12A Page 73

Q12 When you contacted the National Student Loans Service Centre, how satisfied were you with...a. The amount of time you had to wait to have your address or 
phone number updated
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                     68        49        18        18        43         4         2        61         7        38        30         4        26         4         3        30
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                   75        61        14        14        38        13        10        55        20        55        20        19        10        13        13        20

       2                                 6         -         6         6         -         -         -         6         -         6         -         -         6         -         -         -
                                        8%                 31%       31%                                      9%                 15%                           22%                              

       3                                 4         4         1         1         2         2         0         4         0         3         1         0         1         1         0         1
                                        7%        7%        5%        5%        4%       38%        1%        7%        3%        8%        4%        5%        4%       33%       12%        4%

       4                                27        22         6         6        18         2         2        26         2        14        13         1        10         1         1        13
                                       41%       44%       31%       31%       43%       43%       72%       42%       26%       38%       44%       34%       39%       27%       49%       44%

       5 - Very satisfied               30        24         6         6        23         1         1        25         5        14        16         2         9         2         1        16
                                       44%       49%       33%       33%       53%       19%       27%       41%       71%       39%       52%       60%       35%       39%       39%       52%

       Does not apply                    5         5         0         0         3         -         1         5         -         2         3         -         1         0         0         3
                                        8%       10%        3%        3%        8%                 53%        9%                  6%       10%                  5%       11%       12%       10%
                                                                                                     D

       TOP 2 BOX                        57        46        12        12        41         3         2        51         7        29        29         4        19         3         3        29
                                       85%       93%       64%       64%       96%       62%       99%       84%       97%       76%       96%       95%       74%       67%       88%       96%

       BOTTOM 2 BOX                      6         -         6         6         -         -         -         6         -         6         -         -         6         -         -         -
                                        8%                 31%       31%                                      9%                 15%                           22%                              

       CHI-SQUARE                          <------16.87------> <----------------25.29----------------> <-------2.52------> <-------5.82------> <----------------------16.1--------------------->
       SIGNIFICANCE                               100%*                          99%*                          36%*                79%*                               55%*
       MEAN                            4.2       4.4       3.7       3.7       4.5       3.8       4.3       4.2       4.7       4.0       4.5       4.6       3.9       4.1       4.3       4.5
                                                                                 D

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q12A Page 74

Q12 When you contacted the National Student Loans Service Centre, how satisfied were you with...a. The amount of time you had to wait to have your address or 
phone number updated
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                      68         22         46         26         25          8          8         20         48         68          -         20         30
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                    75         19         56         23         31         13          8         21         54         75          -         21         40

                2                                  6          6          -          6          -          -          -          6          -          6          -          -          -
                                                  8%        26%                   22%                                         29%                    8%                                 

                3                                  4          2          3          1          2          1          -          1          3          4          -          2          2
                                                  7%         7%         6%         5%         8%        11%                    5%         7%         7%                   10%         5%

                4                                 27          9         19         14          8          1          5          8         20         27          -         17          5
                                                 41%        40%        41%        53%        32%        12%        56%        39%        41%        41%                   84%        18%
                                                                                                                                                                            M

                5 - Very satisfied                30          6         24          5         15          6          4          5         25         30          -          1         23
                                                 44%        27%        53%        20%        60%        77%        44%        27%        52%        44%                    6%        77%
                                                                                                          D                                                                            L

                Does not apply                     5          1          4          1          4          -          -          1          4          5          -          0          4
                                                  8%         4%        10%         3%        18%                               4%         9%         8%                    2%        15%

                TOP 2 BOX                         57         15         43         19         23          7          8         13         45         57          -         18         28
                                                 85%        67%        94%        73%        92%        89%       100%        66%        93%        85%                   90%        95%

                BOTTOM 2 BOX                       6          6          -          6          -          -          -          6          -          6          -          -          -
                                                  8%        26%                   22%                                         29%                    8%                                 

                CHI-SQUARE                           <-------14.03-------> <------------------20.48------------------> <-------16.17-------> <---------.0--------> <-------24.11------->
                SIGNIFICANCE                                  99%*                             94%*                            100%*                   %*                  100%*
                MEAN                             4.2        3.7        4.5        3.7        4.5        4.7        4.4        3.6        4.4        4.2                   4.0        4.7
                                                                         B                                                                 H                                           L

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q12B Page 75

Q12b. Was it ever updated?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                     73        54        19        19        46         4         4        66         7        40        33         4        27         5         3        33
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                   75        61        14        14        38        13        10        55        20        55        20        19        10        13        13        20

       Yes                              68        50        18        18        42         4         4        61         7        38        30         4        27         4         3        30
                                       93%       92%       98%       98%       91%       88%      100%       92%      100%       97%       89%      100%      100%       79%       89%       89%

       No                                5         5         0         0         4         1         -         5         -         1         4         -         -         1         0         4
                                        7%        8%        2%        2%        9%       12%                  8%                  3%       11%                           21%       11%       11%

       CHI-SQUARE                          <-------.75-------> <-----------------1.24----------------> <-------.57-------> <-------1.56------> <----------------------4.72--------------------->
       SIGNIFICANCE                                61%*                          26%*                          55%*                79%*                               68%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q12B Page 76

Q12b. Was it ever updated?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                      73         23         50         27         29          8          8         20         52         73          -         20         34
                                                 100        100        100        100        100        100        100        100        100        100                   100        100

                Unweighted 'N'                    75         19         56         23         31         13          8         21         54         75          -         21         40

                Yes                               68         22         45         27         25          7          8         20         48         68          -         20         29
                                                 93%        98%        91%        98%        88%        89%       100%        98%        91%        93%                  100%        87%

                No                                 5          0          5          0          4          1          -          0          5          5          -          -          5
                                                  7%         2%         9%         2%        12%        11%                    2%         9%         7%                              13%

                CHI-SQUARE                           <--------1.2--------> <-------------------3.36------------------> <--------.92--------> <---------.0--------> <--------2.93------->
                SIGNIFICANCE                                  73%*                             66%*                             66%*                   %*                   91%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q12C Page 77

Q12 When you contacted the National Student Loans Service Centre, how satisfied were you with...? c. The amount of time you had to wait to obtain a form or 
letter you requested
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                     22         9        13        13         9         0         -        21         1        19         4         1        17         1         0         4
                                       100       100       100       100       100       100                 100       100       100       100       100       100       100       100       100

       Unweighted 'N'                   17         7        10        10         5         2         -        12         5        14         3         6         3         2         3         3

       3                                 1         0         1         1         -         0         -         0         1         0         1         0         -         -         0         1
                                        5%        1%        8%        8%                 50%                  2%       69%        2%       18%       20%                           58%       18%
                                                                                                                         H

       4                                12         5         6         6         5         -         -        11         0        12         -         1        11         0         -         -
                                       52%       59%       48%       48%       60%                           54%       21%       63%                 80%       65%       30%                    

       5 - Very satisfied               10         4         6         6         4         -         -         9         0         6         3         -         6         1         0         3
                                       42%       40%       45%       45%       40%                           44%       10%       34%       82%                 35%       70%       27%       82%

       Does not apply                    3         0         2         2         0         -         -         3         0         0         2         0         -         -         -         2
                                       13%        4%       19%       19%        4%                           13%        9%        3%       63%       58%                                     63%

       DK/NA                             0         0         -         -         -         0         -         0         -         0         -         -         -         -         0         -
                                        *%        1%                                     50%                  *%                  *%                                               16%          

       TOP 2 BOX                        21         9        12        12         9         -         -        21         0        18         3         1        17         1         0         3
                                       95%       99%       92%       92%      100%                           98%       31%       97%       82%       80%      100%      100%       27%       82%
                                                                                                               I                                                 O         O

       CHI-SQUARE                          <-------.72-------> <-----------------2.18----------------> <------10.39------> <-------5.58------> <---------------------10.61--------------------->
       SIGNIFICANCE                                5%*                            %*                           97%*                77%*                               17%*
       MEAN                            4.4       4.4       4.4       4.4       4.4       3.0                 4.4       3.4       4.3       4.6       3.8       4.3       4.7       3.6       4.6

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q12C Page 78

Q12 When you contacted the National Student Loans Service Centre, how satisfied were you with...? c. The amount of time you had to wait to obtain a form or 
letter you requested
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                      22         13          9         12          1          0          9          4         18         22          -          -          9
                                                 100        100        100        100        100        100        100        100        100        100                              100

                Unweighted 'N'                    17         13          4          7          3          2          5          5         12         17          -          -          6

                3                                  1          1          -          0          0          -          1          0          1          1          -          -          0
                                                  5%         8%                    3%        11%                    7%         2%         6%         5%                               1%

                4                                 12          6          5          6          0          0          5          0         11         12          -          -          5
                                                 52%        47%        60%        49%        30%       100%        57%        10%        62%        52%                              59%
                                                                                                          E

                5 - Very satisfied                10          6          4          6          1          -          3          4          6         10          -          -          4
                                                 42%        44%        40%        47%        58%                   36%        89%        32%        42%                              40%

                Does not apply                     3          3          -          2          -          0          0          2          0          3          -          -          0
                                                 13%        22%                   20%                  100%         1%        58%         3%        13%                               4%
                                                                                                         DG

                DK/NA                              0          0          -          0          -          -          -          -          0          0          -          -          -
                                                  *%         1%                    1%                                                     *%         *%                                 

                TOP 2 BOX                         21         12          9         12          1          0          8          4         17         21          -          -          9
                                                 95%        91%       100%        97%        89%       100%        93%        98%        94%        95%                              99%

                CHI-SQUARE                           <--------.94--------> <-------------------1.03------------------> <--------4.43-------> <---------.0--------> <---------.0-------->
                SIGNIFICANCE                                  8%*                               %*                              65%*                   %*                    %*
                MEAN                             4.4        4.4        4.4        4.5        4.5        4.0        4.3        4.9        4.3        4.4                              4.4

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q13 Page 79

Q13 Based on your dealings or simply on your personal impressions, would you say the service agents' priority is to collect money from you or to help you with 
the repayment of your loan?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       1 - priority is given to        102       102         -         -        83        15         4        85        18        59        43         5        44         7         4        43
       collecting                       9%        9%                           10%       11%        2%        9%       10%        9%       11%       10%        8%       11%       11%       11%
                                                                                 G         G

       2                                71        71         -         -        43        11        16        62         8        49        22         2        38         6         3        22
                                        6%        6%                            5%        8%       10%        7%        5%        7%        5%        4%        7%       10%        7%        5%
                                                                                                                                                                           L

       3                               265       265         -         -       197        33        35       224        41       172        93        11       134        15        13        93
                                       24%       24%                           24%       25%       22%       24%       24%       25%       23%       23%       25%       23%       31%       23%

       4                               321       321         -         -       236        31        54       268        53       215       106        13       177        15        10       106
                                       29%       29%                           29%       23%       33%       29%       31%       31%       26%       28%       32%       24%       23%       26%
                                                                                                     F

       5 - priority is given to        274       274         -         -       183        42        50       237        37       173       102        13       131        19         9       102
       helping                         25%       25%                           23%       31%       31%       25%       22%       25%       25%       29%       24%       30%       22%       25%

       DK/NA                            67        67         -         -        61         2         4        55        12        30        37         3        23         1         3        37
                                        6%        6%                            8%        1%        2%        6%        7%        4%        9%        6%        4%        2%        6%        9%
                                                                                FG                                                           J                                       N         N

       TOP 2 BOX                       596       596         -         -       418        74       104       505        91       388       208        27       308        34        19       208
                                       54%       54%                           52%       54%       64%       54%       53%       56%       52%       57%       56%       54%       46%       52%
                                                                                                     E                                                 O

       BOTTOM 2 BOX                    173       173         -         -       126        26        20       147        26       109        64         7        81        13         7        64
                                       16%       16%                           16%       19%       13%       16%       15%       16%       16%       14%       15%       21%       17%       16%

       CHI-SQUARE                          <--------.0-------> <----------------22.55----------------> <-------1.94------> <-------3.72------> <----------------------9.96--------------------->
       SIGNIFICANCE                                 %*                           97%*                          25%*                55%*                               13%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q13 Page 80

Q13 Based on your dealings or simply on your personal impressions, would you say the service agents' priority is to collect money from you or to help you with 
the repayment of your loan?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                1 - priority is given to         102         10         92         15         41         29         17         46         56         54         48         29         71
                collecting                        9%         6%        10%         4%        10%        14%        11%        11%         8%         7%        17%         8%        10%
                                                                                                          D                                                      J

                2                                 71         14         57         22         27         18          3         28         43         52         15         42         29
                                                  6%         8%         6%         6%         7%         9%         2%         7%         6%         6%         6%        11%         4%
                                                                                                                                                                            M

                3                                265         50        214         89         87         44         45        100        165        191         73         86        173
                                                 24%        30%        23%        26%        22%        22%        29%        24%        24%        23%        26%        24%        24%

                4                                321         49        272        117        137         34         32        111        211        234         82        102        211
                                                 29%        30%        29%        34%        34%        17%        21%        26%        31%        29%        30%        28%        30%
                                                                                   FG         FG

                5 - priority is given to         274         34        240         90         84         62         39        107        167        231         43        104        164
                helping                          25%        21%        26%        26%        21%        31%        26%        25%        25%        28%        16%        28%        23%
                                                                                                                                                      K

                DK/NA                             67          9         58         11         25         14         17         31         36         52         14          3         62
                                                  6%         5%         6%         3%         6%         7%        11%         7%         5%         6%         5%         1%         9%
                                                                                                                     D                                                                 L

                TOP 2 BOX                        596         83        512        207        221         96         72        218        378        466        125        205        375
                                                 54%        50%        55%        60%        55%        48%        47%        51%        56%        57%        46%        56%        53%

                BOTTOM 2 BOX                     173         23        150         37         68         46         21         74         99        106         63         70        100
                                                 16%        14%        16%        11%        17%        23%        13%        18%        15%        13%        23%        19%        14%
                                                                                                          D                                                      J

                CHI-SQUARE                           <--------7.77-------> <------------------49.59------------------> <--------4.12-------> <-------39.43-------> <-------22.14------->
                SIGNIFICANCE                                  90%*                            100%*                             61%*                 100%*                 100%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q14 Page 81

Q14 To what extent would you be inclined to contact the National Student Loan Service Centre to inquire about your options?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       Certainly                       658       658         -         -       450        80       128       560        98       432       227        31       330        42        28       227
                                       60%       60%                           56%       59%       79%       60%       58%       62%       56%       65%       60%       67%       68%       56%
                                                                                                    EF                                                                     P         P

       Probably                        297       297         -         -       242        33        22       254        43       178       119        12       140        16         9       119
                                       27%       27%                           30%       24%       13%       27%       25%       26%       30%       26%       26%       26%       22%       30%
                                                                                 G         G

       Probably not                    101       101         -         -        74        18         9        78        23        60        41         4        49         4         3        41
                                        9%        9%                            9%       13%        5%        8%       13%        9%       10%        8%        9%        6%        8%       10%
                                                                                           G

       Certainly not                    33        33         -         -        28         3         1        30         3        21        12         0        19         0         1        12
                                        3%        3%                            4%        2%        1%        3%        2%        3%        3%        1%        4%        1%        2%        3%
                                                                                 G

       DK/NA                            12        12         -         -         8         1         3         9         3         8         4         -         8         -         -         4
                                        1%        1%                            1%        1%        2%        1%        2%        1%        1%                  1%                            1%

       TOP 2 BOX                       955       955         -         -       692       113       150       814       141       610       345        43       471        59        37       345
                                       87%       87%                           86%       84%       92%       87%       83%       87%       86%       91%       86%       94%       90%       86%
                                                                                                    EF                                                                    MP

       BOTTOM 2 BOX                    134       134         -         -       103        21        10       107        26        81        53         4        69         4         4        53
                                       12%       12%                           13%       15%        6%       12%       15%       12%       13%        9%       13%        6%       10%       13%
                                                                                 G         G                                                                                                   N

       CHI-SQUARE                          <--------.0-------> <----------------34.73----------------> <-------5.79------> <-------3.51------> <---------------------10.07--------------------->
       SIGNIFICANCE                                 %*                          100%*                          78%*                52%*                               14%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q14 Page 82

Q14 To what extent would you be inclined to contact the National Student Loan Service Centre to inquire about your options?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                Certainly                        658        105        554        204        246        105        103        220        438        491        161        230        414
                                                 60%        63%        59%        59%        61%        52%        67%        52%        65%        60%        58%        63%        58%
                                                                                                                                           H

                Probably                         297         39        258         99        100         66         32        132        165        230         63         90        198
                                                 27%        24%        28%        29%        25%        33%        21%        31%        24%        28%        23%        25%        28%

                Probably not                     101         18         82         35         34         17         15         40         60         73         28         32         67
                                                  9%        11%         9%        10%         8%         9%        10%        10%         9%         9%        10%         9%         9%

                Certainly not                     33          3         30          1         17         11          4         24          8         10         23         11         21
                                                  3%         2%         3%         *%         4%         6%         2%         6%         1%         1%         8%         3%         3%
                                                                                               D          D                     I                                J

                DK/NA                             12          1         11          5          6          1          -          7          5         10          1          1         10
                                                  1%         *%         1%         1%         2%         *%                    2%         1%         1%         *%         *%         1%

                TOP 2 BOX                        955        144        811        303        345        172        135        352        604        721        224        320        612
                                                 87%        87%        87%        88%        86%        85%        88%        83%        89%        89%        81%        88%        86%

                BOTTOM 2 BOX                     134         20        112         35         51         29         19         65         69         83         50         44         88
                                                 12%        12%        12%        10%        13%        14%        12%        15%        10%        10%        18%        12%        12%

                CHI-SQUARE                           <--------3.89-------> <------------------30.67------------------> <-------31.69-------> <-------36.75-------> <--------5.13------->
                SIGNIFICANCE                                  58%*                            100%*                            100%*                 100%*                  73%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q15 Page 83

Q15 Why would you not be inclined to contact the National Student Loan Service Centre?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    134       134         -         -       103        21        10       107        26        81        53         4        69         4         4        53
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  153       153         -         -        59        69        25       103        50       112        41        29        29        22        32        41

       You don't believe they           25        25         -         -        17         5         3        22         3        18         7         1        15         1         1         7
       can resolve the issue           19%       19%                           16%       25%       30%       20%       12%       22%       14%       23%       22%       17%       14%       14%

       You don't believe it             24        24         -         -        20         3         1        20         4        15         9         0        13         1         0         9
       would be worth the time/        18%       18%                           19%       16%        6%       18%       14%       18%       16%        5%       20%       24%        5%       16%
       effort                   

       You tried before but the         15        15         -         -        12         3         0        15         1         8         7         1         6         0         1         7
       rep was rude/not helpful        11%       11%                           12%       15%        2%       14%        2%       10%       13%       18%        9%        4%       29%       13%

       No need/found other              14        14         -         -        12         1         1        12         2        10         5         0         8         1         0         5
       sources of funding              11%       11%                           12%        3%       13%       11%        8%       12%        9%        8%       12%       16%       12%        9%

       You are worried it may            7         7         -         -         5         0         2         4         3         2         6         0         1         0         0         6
       negatively affect future         5%        5%                            5%        1%       20%        4%       12%        2%       10%        1%        2%        2%        3%       10%
       service                  

       Too busy                          7         7         -         -         4         2         1         3         4         3         4         0         3         0         0         4
                                        5%        5%                            4%       11%        5%        3%       14%        4%        7%       10%        4%        7%        1%        7%

       Hard to get through to            5         5         -         -         5         0         -         5         -         5         -         0         5         -         0         -
       staff/put on hold                4%        4%                            5%        1%                  5%                  6%                  2%        7%                  2%          

       Never thought about it            3         3         -         -         1         2         0         2         0         2         1         0         1         0         0         1
                                        2%        2%                            1%       10%        1%        2%        1%        2%        1%       11%        2%        4%        6%        1%

       Don't know who to                 2         2         -         -         0         0         2         2         -         2         1         0         1         0         -         1
       contact                          2%        2%                            *%        1%       19%        2%                  2%        1%       10%        2%        3%                  1%

       Language barriers when            0         0         -         -         -         0         0         -         0         0         -         0         -         0         0         -
       speaking with employees          *%        *%                                      1%        *%                  1%        *%                  1%                  2%        1%          

       Other                            25        25         -         -        22         3         0        21         4        14        11         0        12         0         1        11
                                       19%       19%                           21%       15%        3%       19%       16%       18%       20%       11%       18%       10%       23%       20%
                                                                                 G

       DK/NA                             6         6         -         -         5         1         0         1         5         2         4         -         2         0         0         4
                                        5%        5%                            5%        4%        1%        1%       20%        3%        7%                  3%       10%        4%        7%

       CHI-SQUARE                          <--------.0-------> <----------------41.25----------------> <------30.85------> <------11.65------> <---------------------21.89--------------------->
       SIGNIFICANCE                                 %*                           85%*                         100%*                61%*                                %*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q15 Page 84

Q15 Why would you not be inclined to contact the National Student Loan Service Centre?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     134         20        112         35         51         29         19         65         69         83         50         44         88
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                   153         27        125         51         51         27         24         68         85        120         32         75         74

                You don't believe they            25          4         21          8          2          6          9         16          9         16          9          6         18
                can resolve the issue            19%        22%        18%        24%         4%        20%        48%        25%        13%        19%        19%        13%        20%
                                                                                                                     E

                You don't believe it              24          9         14          9         10          -          5          6         17         14         10          5         19
                would be worth the time/         18%        45%        13%        25%        20%                   24%         9%        25%        16%        20%        11%        21%
                effort                   

                You tried before but the          15          1         14          2          1         12          1          9          6          5         10          8          7
                rep was rude/not helpful         11%         6%        12%         5%         2%        41%         3%        13%         9%         6%        20%        19%         7%
                                                                                                        DEG

                No need/found other               14          0         14          3          9          0          2          7          7          9          5          1         13
                sources of funding               11%         *%        13%         8%        19%         1%         9%        11%        10%        11%        11%         3%        15%
                                                                         B

                You are worried it may             7          1          6          2          2          3          -          2          5          7          -          2          5
                negatively affect future          5%         6%         5%         5%         4%        11%                    3%         7%         8%                    5%         5%
                service                  

                Too busy                           7          -          7          1          2          4          1          6          1          7          0          5          2
                                                  5%                    6%         3%         3%        12%         5%         9%         2%         8%         1%        12%         2%

                Hard to get through to             5          0          5          -          5          -          -          -          5          0          5          5          -
                staff/put on hold                 4%         *%         5%                   10%                                          8%         *%        10%        12%           

                Never thought about it             3          0          2          1          1          0          1          0          2          1          1          2          1
                                                  2%         1%         2%         2%         1%         1%         6%         1%         3%         2%         2%         4%         1%

                Don't know who to                  2          -          1          1          1          0          -          1          1          2          0          1          2
                contact                           2%                    1%         4%         1%         1%                    2%         2%         3%         *%         2%         2%

                Language barriers when             0          0          0          -          -          0          -          -          0          0          -          0          0
                speaking with employees           *%         *%         *%                               1%                               *%         *%                    *%         *%

                Other                             25          1         24          8         13          3          0         12         13         19          5          7         18
                                                 19%         4%        22%        23%        26%        12%         1%        18%        19%        23%        11%        17%        20%
                                                                                               G

                DK/NA                              6          3          3          0          5          -          1          5          1          3          3          1          5
                                                  5%        15%         3%         1%        10%                    4%         8%         1%         3%         7%         2%         6%

                CHI-SQUARE                           <-------24.48-------> <-------------------86.6------------------> <-------21.44-------> <-------25.68-------> <-------29.43------->
                SIGNIFICANCE                                  99%*                            100%*                             97%*                  99%*                 100%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q16 Page 85

Q16 Did you obtain a loan repayment agreement with a consolidation form from the National Student Loans Service Centre when you finished your studies?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       Yes                             688       688         -         -       494        75       119       581       108       446       243        28       349        44        24       243
                                       63%       63%                           62%       56%       73%       62%       63%       64%       60%       59%       64%       70%       58%       60%
                                                                                                    EF                                                                   LOP

       No                              183       183         -         -       137        28        18       158        25       116        68         7        95         7         6        68
                                       17%       17%                           17%       21%       11%       17%       15%       17%       17%       16%       17%       12%       14%       17%
                                                                                           G

       DK/NA                           229       229         -         -       171        32        26       192        37       137        92        12       102        11        12        92
                                       21%       21%                           21%       24%       16%       21%       22%       20%       23%       25%       19%       18%       28%       23%
                                                                                                                                                                                    MN

       CHI-SQUARE                          <--------.0-------> <----------------10.82----------------> <-------.51-------> <-------1.68------> <----------------------6.46--------------------->
       SIGNIFICANCE                                 %*                           91%*                          23%                 57%                                40%

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q16 Page 86

Q16 Did you obtain a loan repayment agreement with a consolidation form from the National Student Loans Service Centre when you finished your studies?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                Yes                              688         92        597        230        258        112         89        241        447        545        141        256        419
                                                 63%        56%        64%        67%        64%        56%        58%        57%        66%        67%        51%        70%        59%
                                                                                                                                                      K                     M

                No                               183         36        147         66         48         39         30         97         86        118         65         55        126
                                                 17%        22%        16%        19%        12%        20%        19%        23%        13%        14%        24%        15%        18%
                                                                                                                                I

                DK/NA                            229         37        191         48         96         49         36         85        144        151         69         54        165
                                                 21%        22%        20%        14%        24%        24%        23%        20%        21%        19%        25%        15%        23%
                                                                                               D                                                                                       L

                CHI-SQUARE                           <--------5.15-------> <------------------23.12------------------> <-------19.61-------> <-------22.51-------> <-------14.24------->
                SIGNIFICANCE                                  92%                              100%                             100%                  100%                  100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q17 Page 87

Q17 Were your repayment options clear to you when it was time to consolidate and start repaying your student loans?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    688       688         -         -       494        75       119       581       108       446       243        28       349        44        24       243
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  905       905         -         -       334       251       320       626       279       697       208       173       170       188       166       208

       Yes                             571       571         -         -       413        64        94       476        95       364       207        24       282        37        21       207
                                       83%       83%                           84%       85%       79%       82%       88%       82%       85%       86%       81%       84%       88%       85%

       No                              111       111         -         -        77        11        23       102         9        80        31         4        67         6         3        31
                                       16%       16%                           16%       14%       19%       18%        8%       18%       13%       14%       19%       14%       11%       13%
                                                                                                               I

       DK/NA                             6         6         -         -         4         1         1         2         4         1         4         -         1         1         0         4
                                        1%        1%                            1%        1%        1%        *%        3%        *%        2%                  *%        2%        1%        2%

       CHI-SQUARE                          <--------.0-------> <-----------------1.56----------------> <------15.54------> <-------7.07------> <---------------------10.13--------------------->
       SIGNIFICANCE                                 %*                           4%*                          100%*                97%*                               74%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q17 Page 88

Q17 Were your repayment options clear to you when it was time to consolidate and start repaying your student loans?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     688         92        597        230        258        112         89        241        447        545        141        256        419
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                   905        125        780        288        320        154        143        323        582        780        122        471        415

                Yes                              571         76        495        199        216         86         70        201        370        437        133        204        354
                                                 83%        83%        83%        87%        84%        77%        79%        83%        83%        80%        94%        80%        85%
                                                                                                                                                                 J

                No                               111         15         96         30         40         25         16         35         76        105          6         51         60
                                                 16%        16%        16%        13%        16%        22%        18%        15%        17%        19%         4%        20%        14%
                                                                                                                                                      K

                DK/NA                              6          1          5          1          1          1          3          5          1          3          3          1          4
                                                  1%         1%         1%         *%         *%         1%         4%         2%         *%         1%         2%         *%         1%

                CHI-SQUARE                           <--------.01--------> <------------------14.77------------------> <--------5.44-------> <-------22.49-------> <--------4.08------->
                SIGNIFICANCE                                   %*                              98%*                             93%*                 100%*                  87%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q18 Page 89

Q18 Did you experience difficulties in paying your student loan in the last year?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       Yes                             365       365         -         -       157       100       107       305        60       241       124        11       202        18        10       124
                                       33%       33%                           20%       74%       66%       33%       35%       34%       31%       24%       37%       28%       25%       31%
                                                                                           E         E                                                          LO

       No                              709       709         -         -       636        28        45       601       109       437       273        36       326        44        30       273
                                       64%       64%                           79%       21%       27%       65%       64%       63%       68%       76%       60%       71%       74%       68%
                                                                                FG                                                                     M                   M         M

       DK/NA                            26        26         -         -         9         7        11        25         1        21         5         0        19         1         1         5
                                        2%        2%                            1%        5%        7%        3%        1%        3%        1%        1%        4%        1%        1%        1%
                                                                                           E         E

       CHI-SQUARE                          <--------.0-------> <----------------289.08---------------> <-------2.38------> <-------5.22------> <----------------------16.1--------------------->
       SIGNIFICANCE                                 %*                          100%*                          70%                 93%                                96%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q18 Page 90

Q18 Did you experience difficulties in paying your student loan in the last year?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                Yes                              365         59        306        109        133         62         61        142        222        332         32        365          -
                                                 33%        36%        33%        32%        33%        31%        40%        34%        33%        41%        12%       100%           
                                                                                                                                                      K

                No                               709         93        615        219        260        139         91        269        441        461        238          -        709
                                                 64%        56%        66%        64%        65%        69%        59%        64%        65%        57%        86%                  100%
                                                                                                                                                                 J

                DK/NA                             26         13         13         15          9          0          2         12         14         21          5          -          -
                                                  2%         8%         1%         4%         2%         *%         1%         3%         2%         3%         2%                      
                                                              C                     F

                CHI-SQUARE                           <-------27.88-------> <------------------15.29------------------> <--------.83--------> <-------80.41-------> <------1074.17------>
                SIGNIFICANCE                                  100%                             98%                              34%                   100%                 100%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q19 Page 91

Q19 Based on your knowledge of the program, does the National Student Loan Service Centre offer any options for you in the event that you cannot make your 
scheduled loan payments?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       Yes                             688       688         -         -       467        95       127       603        85       430       258        29       337        41        24       258
                                       63%       63%                           58%       70%       78%       65%       50%       62%       64%       61%       62%       65%       58%       64%
                                                                                           E         E         I

       No                              211       211         -         -       163        27        20       157        54       139        71         8       114        10         7        71
                                       19%       19%                           20%       20%       12%       17%       32%       20%       18%       17%       21%       15%       18%       18%
                                                                                 G         G                             H

       DK/NA                           201       201         -         -       173        13        16       171        31       129        73        10        96        12        10        73
                                       18%       18%                           22%       10%       10%       18%       18%       18%       18%       21%       18%       20%       24%       18%
                                                                                FG

       CHI-SQUARE                          <--------.0-------> <-----------------31.4----------------> <------21.39------> <-------.92-------> <----------------------3.47--------------------->
       SIGNIFICANCE                                 %*                          100%*                          100%                37%                                10%

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q19 Page 92

Q19 Based on your knowledge of the program, does the National Student Loan Service Centre offer any options for you in the event that you cannot make your 
scheduled loan payments?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                Yes                              688        106        581        227        255        118         89        266        422        536        147        284        394
                                                 63%        64%        62%        66%        63%        59%        58%        63%        62%        66%        54%        78%        56%
                                                                                                                                                      K                     M

                No                               211         33        178         58         86         35         31         81        130        138         73         58        147
                                                 19%        20%        19%        17%        22%        17%        20%        19%        19%        17%        26%        16%        21%

                DK/NA                            201         26        175         59         61         48         34         77        125        141         55         22        168
                                                 18%        16%        19%        17%        15%        24%        22%        18%        18%        17%        20%         6%        24%
                                                                                                                                                                                       L

                CHI-SQUARE                           <--------.75--------> <-------------------11.1------------------> <--------.03--------> <-------15.48-------> <-------63.89------->
                SIGNIFICANCE                                  31%                              91%                               1%                   100%                  100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q20 Page 93

Q20 Based on your knowledge of the program, if you run into difficulty repaying your student loan, what form(s) of assistance does the program offer?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    688       688         -         -       467        95       127       603        85       430       258        29       337        41        24       258
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  948       948         -         -       313       295       340       680       268       719       229       181       172       191       175       229

       Interest Relief (IR)            308       308         -         -       180        37        91       269        38       202       106        10       156        24        13       106
                                       45%       45%                           39%       39%       71%       45%       45%       47%       41%       33%       46%       58%       53%       41%
                                                                                                    EF                                                                    LP         L

       Don't know any specific         118       118         -         -       103         6         8       108        11        73        45         5        59         5         4        45
       type of assistance              17%       17%                           22%        7%        7%       18%       12%       17%       17%       19%       18%       12%       17%       17%
       available                                                                FG

       Repayment Assistance            111       111         -         -        54        24        33        92        19        66        44         5        51         7         3        44
       Plan (RAP)                      16%       16%                           12%       25%       26%       15%       22%       15%       17%       19%       15%       16%       11%       17%
                                                                                           E         E

       Revision of Terms                66        66         -         -        43        12        11        54        12        35        31         4        24         4         3        31
                                       10%       10%                            9%       13%        8%        9%       14%        8%       12%       13%        7%       10%       13%       12%

       Debt reduction in                59        59         -         -        38         7        14        54         6        38        21         2        29         4         3        21
       repayment (DRR)                  9%        9%                            8%        8%       11%        9%        7%        9%        8%        7%        9%       11%       13%        8%

       Payment deferral                 53        53         -         -        36        10         7        49         3        34        19         3        27         4         1        19
       (general)                        8%        8%                            8%       11%        6%        8%        4%        8%        7%       11%        8%        9%        2%        7%
                                                                                                                                                       O                   O

       Interest-only payments           31        31         -         -        19         7         5        23         8        17        14         2        10         3         2        14
                                        5%        5%                            4%        7%        4%        4%       10%        4%        6%        7%        3%        7%        8%        6%

       Loan forgiveness due to          23        23         -         -        17         2         4        22         1        14         9         0        13         1         -         9
       permanent disability or          3%        3%                            4%        2%        3%        4%        1%        3%        3%        2%        4%        2%                  3%
       death                    

       Loan consolidation (Not           8         8         -         -         3         5         1         8         1         4         4         0         4         0         0         4
       having to make payment           1%        1%                            1%        5%        *%        1%        1%        1%        2%        *%        1%        *%        *%        2%
       for one month and pay                                                              EG
       more the following       
       month)                   

       Provide guidance/advice           6         6         -         -         3         1         2         5         1         3         3         -         3         0         -         3
                                        1%        1%                            1%        1%        1%        1%        1%        1%        1%                  1%        *%                  1%

       Alternative payment               3         3         -         -         1         2         -         3         0         1         2         -         1         0         -         2
       plans (general)                  *%        *%                            *%        2%                  *%        *%        *%        1%                  *%        *%                  1%

       Adjusting the payment             2         2         -         -         1         0         1         2         1         2         0         0         0         1         1         0
       amount depending on              *%        *%                            *%        *%        1%        *%        1%        *%        *%        2%        *%        1%        2%        *%
       level of income          

       Other                            21        21         -         -        18         1         2        17         4        18         4         1        15         1         0         4
                                        3%        3%                            4%        1%        1%        3%        5%        4%        1%        4%        4%        3%        1%        1%

       DK/NA                            71        71         -         -        57         9         5        62         9        39        32         3        30         3         3        32
                                       10%       10%                           12%        9%        4%       10%       11%        9%       12%       11%        9%        7%       12%       12%
                                                                                 G

       CHI-SQUARE                          <--------.0-------> <----------------91.24----------------> <------15.65------> <------12.97------> <---------------------31.26--------------------->
       SIGNIFICANCE                                 %*                          100%*                          73%*                55%*                               1%*
Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q20 Page 94

Q20 Based on your knowledge of the program, if you run into difficulty repaying your student loan, what form(s) of assistance does the program offer?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     688        106        581        227        255        118         89        266        422        536        147        284        394
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                   948        155        792        294        349        165        140        354        594        824        118        523        406

                Interest Relief (IR)             308         43        263        100        116         58         33        105        202        246         60        154        149
                                                 45%        41%        45%        44%        46%        49%        37%        40%        48%        46%        41%        54%        38%
                                                                                                                                                                            M

                Don't know any specific          118         17        102         40         46         19         13         38         81         93         25         35         81
                type of assistance               17%        16%        17%        18%        18%        16%        15%        14%        19%        17%        17%        12%        20%
                available                

                Repayment Assistance             111         15         95         29         35         36         10         60         50         94         16         61         48
                Plan (RAP)                       16%        14%        16%        13%        14%        31%        12%        23%        12%        18%        11%        22%        12%
                                                                                                        DEG                     I                                           M

                Revision of Terms                 66         20         46         17         31         10          8         26         40         57          8         24         42
                                                 10%        18%         8%         7%        12%         9%         9%        10%         9%        11%         6%         8%        11%

                Debt reduction in                 59         13         47          9         28         16          7         22         37         49         10         27         32
                repayment (DRR)                   9%        12%         8%         4%        11%        13%         8%         8%         9%         9%         7%        10%         8%

                Payment deferral                  53         13         39         27         17          3          5         14         38         43          9         16         36
                (general)                         8%        13%         7%        12%         7%         3%         6%         5%         9%         8%         6%         6%         9%
                                                                                    F

                Interest-only payments            31          3         28          3          9         13          6         13         18         20         11         17         14
                                                  5%         3%         5%         1%         3%        11%         7%         5%         4%         4%         7%         6%         3%
                                                                                                          D

                Loan forgiveness due to           23          2         21          0         10         11          2          6         16         17          5         14          9
                permanent disability or           3%         2%         4%         *%         4%         9%         2%         2%         4%         3%         4%         5%         2%
                death                                                                          D          D

                Loan consolidation (Not            8          1          7          1          5          1          2          3          5          8          -          7          0
                having to make payment            1%         1%         1%         1%         2%         1%         2%         1%         1%         2%                    3%         *%
                for one month and pay    
                more the following       
                month)                   

                Provide guidance/advice            6          -          6          1          1          -          4          3          3          6          -          3          3
                                                  1%                    1%         1%         *%                    4%         1%         1%         1%                    1%         1%

                Alternative payment                3          0          3          2          1          -          -          2          1          3          -          1          2
                plans (general)                   *%         *%         *%         1%         1%                               1%         *%         1%                    *%         *%

                Adjusting the payment              2          0          2          1          1          0          0          0          2          2          -          1          1
                amount depending on               *%         *%         *%         *%         *%         *%         *%         *%         1%         *%                    *%         *%
                level of income          

                Other                             21          4         18         12          1          1          7          8         13         14          7          9         12
                                                  3%         3%         3%         5%         *%         1%         8%         3%         3%         3%         5%         3%         3%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q20 Page 95
                                                                                                                                                                                      (Continued)

Q20 Based on your knowledge of the program, if you run into difficulty repaying your student loan, what form(s) of assistance does the program offer?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                DK/NA                             71         13         58         21         29          9         12         36         35         44         23         18         52
                                                 10%        12%        10%         9%        11%         8%        14%        13%         8%         8%        16%         6%        13%

                CHI-SQUARE                           <-------18.57-------> <------------------108.14-----------------> <-------26.84-------> <-------25.47-------> <-------49.26------->
                SIGNIFICANCE                                  86%*                            100%*                             99%*                  98%*                 100%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q21 Page 96

Q21 Where would you go to obtain or confirm information regarding assistance available to borrowers who are in repayment?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       National Student Loans          293       293         -         -       178        46        70       248        45       197        96        15       153        18        11        96
       Service Centre's call           27%       27%                           22%       34%       43%       27%       27%       28%       24%       32%       28%       28%       26%       24%
       centre                                                                              E         E

       National Student Loans          291       291         -         -       232        22        37       258        33       164       127        10       135        10         8       127
       Service Centre website          26%       26%                           29%       16%       23%       28%       19%       23%       32%       22%       25%       16%       19%       32%
                                                                                 F                                                                                                           LNO

       The 1-800 toll free             221       221         -         -       160        29        32       179        42       151        70        11       114        15        11        70
       number                          20%       20%                           20%       21%       20%       19%       25%       22%       17%       22%       21%       24%       27%       17%
                                                                                                                                                                                     P

       Website - cannot specify        220       220         -         -       177        18        25       182        39       102       118        11        73        11         8       118
                                       20%       20%                           22%       13%       16%       20%       23%       15%       29%       22%       13%       18%       20%       29%
                                                                                 F                                                           J         M                                     MNO

       OSAP website                     30        30         -         -        22         4         3        27         2        30         -         -        30         -         -         -
                                        3%        3%                            3%        3%        2%        3%        1%        4%                            5%                              

       CanLearn website                 25        25         -         -        18         2         5        20         5        11        14         2         3         3         3        14
                                        2%        2%                            2%        1%        3%        2%        3%        2%        4%        4%        1%        4%        7%        4%
                                                                                                                                                       M                   M         M         M

       Student Financial Aid            24        24         -         -        11         9         4        20         3        18         6         0        16         1         1         6
       Offices                          2%        2%                            1%        6%        3%        2%        2%        3%        1%        1%        3%        2%        2%        1%
                                                                                           E

       Bank                             24        24         -         -        15         5         3        22         1        20         3         1        15         3         1         3
                                        2%        2%                            2%        4%        2%        2%        1%        3%        1%        3%        3%        5%        3%        1%
                                                                                                                                                                           P

       Internet search engines          23        23         -         -        20         3         1        21         2        15         9         1        12         1         1         9
                                        2%        2%                            2%        2%        1%        2%        1%        2%        2%        3%        2%        1%        2%        2%

       Government website               23        23         -         -        20         1         1        19         4        16         7         1        13         1         1         7
       (general)                        2%        2%                            3%        1%        1%        2%        2%        2%        2%        2%        2%        2%        2%        2%

       School                           19        19         -         -        14         4         1        14         5        11         8         0         8         1         1         8
                                        2%        2%                            2%        3%        1%        2%        3%        2%        2%        *%        2%        2%        2%        2%

       Consolidation letter             17        17         -         -        13         2         2        15         2         6        11         1         4         1         0        11
                                        2%        2%                            2%        2%        1%        2%        1%        1%        3%        1%        1%        1%        *%        3%
                                                                                                                                                                                               O

       Call the number                  16        16         -         -        11         2         3        14         1        10         6         0         7         2         1         6
       (unspecified)                    1%        1%                            1%        1%        2%        2%        1%        1%        1%        1%        1%        3%        1%        1%

       Friends                          13        13         -         -         9         1         2         6         7         7         6         1         4         1         1         6
                                        1%        1%                            1%        1%        1%        1%        4%        1%        1%        2%        1%        1%        1%        1%

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                      Table Q21 Page 97
                                                                                                                                                                                      (Continued)

Q21 Where would you go to obtain or confirm information regarding assistance available to borrowers who are in repayment?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Province's website               11        11         -         -         4         4         4         9         2         9         2         1         5         3         1         2
                                        1%        1%                            *%        3%        2%        1%        1%        1%        *%        1%        1%        4%        2%        *%
                                                                                                                                                                           P

       National Student Loans            5         5         -         -         4         2         -         2         3         1         4         -         1         0         -         4
       Service Centre in-person         *%        *%                            *%        1%                  *%        2%        *%        1%                  *%        *%                  1%

       Service Canada                    4         4         -         -         1         0         2         2         1         2         1         0         1         1         0         1
                                        *%        *%                            *%        *%        1%        *%        1%        *%        *%        1%        *%        2%        *%        *%

       Other                            23        23         -         -        14         5         4        20         3        18         5         1        15         1         1         5
                                        2%        2%                            2%        4%        2%        2%        2%        3%        1%        2%        3%        1%        2%        1%

       DK/NA                           107       107         -         -        80        15        12        89        18        80        26         4        68         4         4        26
                                       10%       10%                           10%       11%        7%       10%       10%       12%        7%        8%       12%        7%       10%        7%

       CHI-SQUARE                          <--------.0-------> <----------------84.25----------------> <------33.58------> <------85.96------> <---------------------141.06-------------------->
       SIGNIFICANCE                                 %*                           99%*                          98%*               100%*                              100%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q21 Page 98

Q21 Where would you go to obtain or confirm information regarding assistance available to borrowers who are in repayment?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                National Student Loans           293         51        242         77         97         62         56        107        186        232         61        132        152
                Service Centre's call            27%        31%        26%        23%        24%        31%        37%        25%        28%        28%        22%        36%        21%
                centre                                                                                               D                                                      M

                National Student Loans           291         36        255         72        109         69         41         97        193        222         66         99        188
                Service Centre website           26%        22%        27%        21%        27%        34%        27%        23%        29%        27%        24%        27%        27%
                                                                                                          D

                The 1-800 toll free              221         34        187         63        102         35         21         59        162        170         51         74        141
                number                           20%        20%        20%        18%        25%        17%        13%        14%        24%        21%        18%        20%        20%
                                                                                               G                                           H

                Website - cannot specify         220         30        189         72         78         38         32         88        132        160         56         48        169
                                                 20%        18%        20%        21%        19%        19%        21%        21%        19%        20%        20%        13%        24%
                                                                                                                                                                                       L

                OSAP website                      30         11         18         28          -          -          2         10         19         30          -          7         23
                                                  3%         7%         2%         8%                               1%         2%         3%         4%                    2%         3%
                                                                                    G

                CanLearn website                  25          9         16          4         15          3          2         12         13         23          2         12         13
                                                  2%         5%         2%         1%         4%         2%         1%         3%         2%         3%         1%         3%         2%

                Student Financial Aid             24         11         13          9          5          5          5         14         10         15          9         19          5
                Offices                           2%         6%         1%         3%         1%         3%         3%         3%         1%         2%         3%         5%         1%
                                                                                                                                                                            M

                Bank                              24          4         20         11          2          8          3         11         13         15          7          6         17
                                                  2%         2%         2%         3%         1%         4%         2%         3%         2%         2%         3%         2%         2%

                Internet search engines           23          -         23          5         11          4          3         10         13          7         16          3         20
                                                  2%                    2%         2%         3%         2%         2%         2%         2%         1%         6%         1%         3%

                Government website                23          0         23          5          8          9          0         12         11          3         20          1         22
                (general)                         2%         *%         2%         2%         2%         5%         *%         3%         2%         *%         7%         *%         3%
                                                                         B                                                                                       J                     L

                School                            19          4         14         10          4          4          0          7         11         18          1         14          4
                                                  2%         3%         2%         3%         1%         2%         *%         2%         2%         2%         *%         4%         1%
                                                                                                                                                                            M

                Consolidation letter              17          -         17          7          9          0          0          5         12         10          7          5         11
                                                  2%                    2%         2%         2%         *%         *%         1%         2%         1%         3%         1%         2%

                Call the number                   16          2         14          6          2          1          6          7          8          7          8          4         12
                (unspecified)                     1%         1%         1%         2%         1%         1%         4%         2%         1%         1%         3%         1%         2%

                Friends                           13          4          9          4          6          2          1          8          4          9          4          3          9
                                                  1%         2%         1%         1%         2%         1%         1%         2%         1%         1%         1%         1%         1%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                      Table Q21 Page 99
                                                                                                                                                                                      (Continued)

Q21 Where would you go to obtain or confirm information regarding assistance available to borrowers who are in repayment?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Province's website                11          3          7          7          2          0          2          5          6          9          2          3          6
                                                  1%         2%         1%         2%         *%         *%         1%         1%         1%         1%         1%         1%         1%

                National Student Loans             5          1          4          3          1          1          -          0          5          4          1          1          4
                Service Centre in-person          *%         1%         *%         1%         *%         *%                    *%         1%         1%         *%         *%         1%

                Service Canada                     4          0          4          0          4          -          -          1          3          3          1          1          3
                                                  *%         *%         *%         *%         1%                               *%         *%         *%         *%         *%         *%

                Other                             23          2         21          4         14          1          4          4         18         16          6         17          5
                                                  2%         1%         2%         1%         3%         1%         3%         1%         3%         2%         2%         5%         1%
                                                                                                                                                                            M

                DK/NA                            107         17         90         37         37         16         17         37         70         87         18         37         67
                                                 10%        10%        10%        11%         9%         8%        11%         9%        10%        11%         7%        10%        10%

                CHI-SQUARE                           <-------56.21-------> <------------------160.92-----------------> <-------33.86-------> <-------107.14------> <-------104.01------>
                SIGNIFICANCE                                 100%*                            100%*                             98%*                 100%*                 100%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                    Table Q22A Page 100

Q22 AGREEMENT: a. It was very easy to find information about applying for a government-funded student loan
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    738         -       738       738         -         -         -       671        67       517       221        19       453        30        14       221
                                       100                 100       100                                     100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  440         -       440       440         -         -         -       333       107       328       112        82        95        80        71       112

       1 - Strongly disagree            10         -        10        10         -         -         -        10         1         2         8         1         -         1         0         8
                                        1%                  1%        1%                                      1%        1%        *%        4%        7%                  3%        1%        4%

       2                                68         -        68        68         -         -         -        64         4        59         9         1        54         2         1         9
                                        9%                  9%        9%                                     10%        5%       11%        4%        6%       12%        6%       10%        4%
                                                                                                                                   K

       3                               117         -       117       117         -         -         -       105        11        82        35         3        73         4         1        35
                                       16%                 16%       16%                                     16%       17%       16%       16%       16%       16%       14%       10%       16%

       4                               271         -       271       271         -         -         -       250        21       198        73         8       170        14         6        73
                                       37%                 37%       37%                                     37%       31%       38%       33%       40%       38%       47%       42%       33%

       5 - Strongly agree              265         -       265       265         -         -         -       235        31       176        89         6       156         9         5        89
                                       36%                 36%       36%                                     35%       46%       34%       40%       32%       34%       30%       37%       40%

       Does not apply                   14         -        14        14         -         -         -        11         4        10         4         0         9         1         0         4
                                        2%                  2%        2%                                      2%        5%        2%        2%        2%        2%        3%        3%        2%

       DK/NA                             8         -         8         8         -         -         -         8         -         -         8         -         -         -         -         8
                                        1%                  1%        1%                                      1%                            3%                                                3%

       TOP 2 BOX                       536         -       536       536         -         -         -       485        52       375       162        14       326        23        11       162
                                       73%                 73%       73%                                     72%       77%       72%       73%       72%       72%       77%       79%       73%

       BOTTOM 2 BOX                     78         -        78        78         -         -         -        74         4        61        17         2        54         3         1        17
                                       11%                 11%       11%                                     11%        7%       12%        8%       13%       12%        9%       10%        8%

       CHI-SQUARE                          <--------.0-------> <------------------.0-----------------> <-------3.71------> <-------22.7------> <---------------------33.97--------------------->
       SIGNIFICANCE                                 %*                            %*                           55%*               100%*                               99%*
       MEAN                            4.0                 4.0       4.0                                     4.0       4.1       3.9       4.1       3.8       3.9       3.9       4.1       4.1

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                    Table Q22A Page 101

Q22 AGREEMENT: a. It was very easy to find information about applying for a government-funded student loan
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     738        643         95        521         90         72         55        366        372        512        211          -          -
                                                 100        100        100        100        100        100        100        100        100        100        100                      

                Unweighted 'N'                   440        359         80        296         69         33         42        179        261        310        107          -          -

                1 - Strongly disagree             10          9          1          3          0          -          7          7          4          7          3          -          -
                                                  1%         1%         1%         1%         *%                   12%         2%         1%         1%         1%                      

                2                                 68         63          5         41          9         14          3         35         33         43         25          -          -
                                                  9%        10%         5%         8%        10%        20%         6%         9%         9%         8%        12%                      

                3                                117        101         15         87         13          8          8         63         54         86         27          -          -
                                                 16%        16%        16%        17%        14%        12%        15%        17%        14%        17%        13%                      

                4                                271        233         38        204         35         22         10        120        151        194         71          -          -
                                                 37%        36%        40%        39%        39%        30%        19%        33%        40%        38%        34%                      

                5 - Strongly agree               265        230         35        183         31         28         24        139        126        174         85          -          -
                                                 36%        36%        37%        35%        34%        38%        44%        38%        34%        34%        40%                      

                Does not apply                    14         13          2          3          3          -          9          4         10          6          1          -          -
                                                  2%         2%         2%         1%         3%                   16%         1%         3%         1%         1%                      

                DK/NA                              8          8          -          2          2          -          3          3          5          8          -          -          -
                                                  1%         1%                    *%         3%                    5%         1%         1%         1%                                 

                TOP 2 BOX                        536        463         73        387         66         49         34        259        277        369        157          -          -
                                                 73%        72%        77%        74%        73%        68%        62%        71%        74%        72%        74%                      

                BOTTOM 2 BOX                      78         72          6         45          9         14         10         41         37         50         28          -          -
                                                 11%        11%         6%         9%        10%        20%        18%        11%        10%        10%        13%                      

                CHI-SQUARE                           <--------2.28-------> <------------------70.36------------------> <--------5.34-------> <--------5.59-------> <---------.0-------->
                SIGNIFICANCE                                  32%*                            100%*                             75%*                  77%*                   %*
                MEAN                             4.0        4.0        4.1        4.0        4.0        3.9        3.8        4.0        4.0        4.0        4.0                      

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                    Table Q22B Page 102

Q22 AGREEMENT: b. The student loan or grant application was very easy to understand
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    747         -       747       747         -         -         -       678        69       525       222        19       461        30        15       222
                                       100                 100       100                                     100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  440         -       440       440         -         -         -       333       107       328       112        82        95        80        71       112

       1 - Strongly disagree             5         -         5         5         -         -         -         5         0         2         3         1         -         1         0         3
                                        1%                  1%        1%                                      1%        1%        *%        1%        5%                  4%        1%        1%

       2                                49         -        49        49         -         -         -        47         2        40        10         0        36         2         1        10
                                        7%                  7%        7%                                      7%        3%        8%        4%        3%        8%        7%        9%        4%

       3                               127         -       127       127         -         -         -       115        12        93        34         4        81         6         2        34
                                       17%                 17%       17%                                     17%       18%       18%       15%       19%       18%       19%       13%       15%

       4                               292         -       292       292         -         -         -       267        26       201        91         8       176        10         7        91
                                       39%                 39%       39%                                     39%       37%       38%       41%       42%       38%       34%       45%       41%

       5 - Strongly agree              271         -       271       271         -         -         -       243        28       189        82         6       167        11         5        82
                                       36%                 36%       36%                                     36%       41%       36%       37%       31%       36%       37%       32%       37%

       Does not apply                    6         -         6         6         -         -         -         4         2         3         3         0         1         1         0         3
                                        1%                  1%        1%                                      1%        3%        1%        1%        1%        *%        3%        1%        1%

       DK/NA                             2         -         2         2         -         -         -         2         -         -         2         -         -         -         -         2
                                        *%                  *%        *%                                      *%                            1%                                                1%

       TOP 2 BOX                       563         -       563       563         -         -         -       509        54       390       173        14       343        22        11       173
                                       75%                 75%       75%                                     75%       78%       74%       78%       73%       75%       71%       77%       78%

       BOTTOM 2 BOX                     54         -        54        54         -         -         -        52         3        42        12         1        36         3         1        12
                                        7%                  7%        7%                                      8%        4%        8%        6%        8%        8%       11%        9%        6%

       CHI-SQUARE                          <--------.0-------> <------------------.0-----------------> <-------1.74------> <-------4.78------> <---------------------18.95--------------------->
       SIGNIFICANCE                                 %*                            %*                           22%*                69%*                               73%*
       MEAN                            4.0                 4.0       4.0                                     4.0       4.1       4.0       4.1       3.9       4.0       3.9       4.0       4.1

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                    Table Q22B Page 103

Q22 AGREEMENT: b. The student loan or grant application was very easy to understand
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     747        651         96        524         90         72         61        367        380        512        212          -          -
                                                 100        100        100        100        100        100        100        100        100        100        100                      

                Unweighted 'N'                   440        359         80        296         69         33         42        179        261        310        107          -          -

                1 - Strongly disagree              5          4          1          1          1          -          3          3          2          5          -          -          -
                                                  1%         1%         1%         *%         1%                    5%         1%         1%         1%                                 

                2                                 49         47          2         27          9          9          4         29         20         34         15          -          -
                                                  7%         7%         3%         5%        10%        12%         6%         8%         5%         7%         7%                      

                3                                127        115         12         91         10          5         21         60         67         64         51          -          -
                                                 17%        18%        13%        17%        11%         7%        35%        16%        18%        13%        24%                      
                                                                                                                     F

                4                                292        251         42        221         42         16         13        132        161        212         75          -          -
                                                 39%        39%        43%        42%        47%        23%        21%        36%        42%        41%        35%                      

                5 - Strongly agree               271        232         39        183         26         42         20        144        127        194         71          -          -
                                                 36%        36%        41%        35%        28%        58%        33%        39%        33%        38%        33%                      
                                                                                                          E

                Does not apply                     6          5          0          -          3          -          3          2          3          6          -          -          -
                                                  1%         1%         *%                    3%                    5%         1%         1%         1%                                 

                DK/NA                              2          2          -          -          2          -          -          -          2          2          -          -          -
                                                  *%         *%                               3%                                          1%         *%                                 

                TOP 2 BOX                        563        482         81        404         68         58         33        276        288        406        146          -          -
                                                 75%        74%        84%        77%        75%        81%        54%        75%        76%        79%        69%                      

                BOTTOM 2 BOX                      54         51          3         29         10          9          7         32         23         39         15          -          -
                                                  7%         8%         3%         6%        11%        12%        11%         9%         6%         8%         7%                      

                CHI-SQUARE                           <--------5.12-------> <------------------64.04------------------> <--------5.75-------> <-------16.75-------> <---------.0-------->
                SIGNIFICANCE                                  72%*                            100%*                             78%*                 100%*                   %*
                MEAN                             4.0        4.0        4.2        4.1        3.9        4.3        3.7        4.0        4.0        4.1        4.0                      

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q23 Page 104

Q23 How satisfied were you with the length of time between when you submitted your original Canada Student Loan or grant application and when you were notified 
about the results of your application?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    753         -       753       753         -         -         -       682        71       528       225        19       462        31        15       225
                                       100                 100       100                                     100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  440         -       440       440         -         -         -       333       107       328       112        82        95        80        71       112

       1 - Very dissatisfied            19         -        19        19         -         -         -        15         4        15         4         1        13         0         0         4
                                        3%                  3%        3%                                      2%        6%        3%        2%        7%        3%        1%        2%        2%

       2                                74         -        74        74         -         -         -        73         1        56        18         1        52         2         1        18
                                       10%                 10%       10%                                     11%        1%       11%        8%        3%       11%        7%       10%        8%
                                                                                                               I                                                 L

       3 - Neutral                     147         -       147       147         -         -         -       135        12       106        41         5        90         7         4        41
                                       19%                 19%       19%                                     20%       16%       20%       18%       25%       20%       22%       28%       18%

       4                               299         -       299       299         -         -         -       270        28       214        85         7       189        14         5        85
                                       40%                 40%       40%                                     40%       40%       41%       38%       34%       41%       46%       31%       38%

       5 - Very satisfied              197         -       197       197         -         -         -       171        25       125        72         6       107         7         4        72
                                       26%                 26%       26%                                     25%       36%       24%       32%       31%       23%       22%       30%       32%

       DK/NA                            18         -        18        18         -         -         -        17         1        12         6         -        11         0         -         6
                                        2%                  2%        2%                                      3%        1%        2%        3%                  2%        1%                  3%

       TOP 2 BOX                       495         -       495       495         -         -         -       442        54       339       157        13       296        21         9       157
                                       66%                 66%       66%                                     65%       76%       64%       70%       65%       64%       68%       60%       70%

       BOTTOM 2 BOX                     93         -        93        93         -         -         -        88         5        71        22         2        64         3         2        22
                                       12%                 12%       12%                                     13%        7%       13%       10%       10%       14%        9%       12%       10%

       CHI-SQUARE                          <--------.0-------> <------------------.0-----------------> <------12.56------> <-------6.68------> <----------------------12.3--------------------->
       SIGNIFICANCE                                 %*                            %*                           99%*                85%*                               28%*
       MEAN                            3.8                 3.8       3.8                                     3.8       4.0       3.7       3.9       3.8       3.7       3.8       3.8       3.9

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q23 Page 105

Q23 How satisfied were you with the length of time between when you submitted your original Canada Student Loan or grant application and when you were notified 
about the results of your application?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     753        656         96        524         93         72         64        370        383        518        212          -          -
                                                 100        100        100        100        100        100        100        100        100        100        100                      

                Unweighted 'N'                   440        359         80        296         69         33         42        179        261        310        107          -          -

                1 - Very dissatisfied             19         12          7          7          0         12          -          7         12         19          -          -          -
                                                  3%         2%         8%         1%         *%        16%                    2%         3%         4%                                 

                2                                 74         64         10         41         13         11          9         48         26         59         15          -          -
                                                 10%        10%        10%         8%        14%        15%        14%        13%         7%        11%         7%                      

                3 - Neutral                      147        133         13         97         17         14         19         66         80         83         51          -          -
                                                 19%        20%        14%        19%        19%        19%        29%        18%        21%        16%        24%                      

                4                                299        259         40        235         41          6         16        152        147        211         84          -          -
                                                 40%        39%        41%        45%        44%         9%        25%        41%        38%        41%        40%                      
                                                                                    F          F

                5 - Very satisfied               197        176         20        137         21         24         15         79        117        128         63          -          -
                                                 26%        27%        21%        26%        22%        33%        23%        21%        31%        25%        30%                      

                DK/NA                             18         12          6          6          0          6          6         17          1         18          -          -          -
                                                  2%         2%         6%         1%         1%         8%         9%         4%         *%         3%                                 

                TOP 2 BOX                        495        435         60        372         62         30         31        231        264        339        147          -          -
                                                 66%        66%        62%        71%        67%        42%        48%        63%        69%        65%        69%                      
                                                                                    F

                BOTTOM 2 BOX                      93         75         17         48         13         23          9         55         37         78         15          -          -
                                                 12%        11%        18%         9%        14%        31%        14%        15%        10%        15%         7%                      
                                                                                                          D

                CHI-SQUARE                           <-------15.18-------> <------------------100.53-----------------> <-------15.56-------> <-------17.06-------> <---------.0-------->
                SIGNIFICANCE                                 100%*                            100%*                            100%*                 100%*                   %*
                MEAN                             3.8        3.8        3.6        3.9        3.8        3.3        3.6        3.7        3.9        3.7        3.9                      
                                                                                    F

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q24 Page 106

Q24 Did you get your Canada Student Loan or grant in time to pay your tuition fees without penalty?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    753         -       753       753         -         -         -       682        71       528       225        19       462        31        15       225
                                       100                 100       100                                     100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  440         -       440       440         -         -         -       333       107       328       112        82        95        80        71       112

       Yes                             549         -       549       549         -         -         -       488        61       384       165        16       327        29        12       165
                                       73%                 73%       73%                                     72%       86%       73%       73%       82%       71%       91%       81%       73%
                                                                                                                         H                                                MP

       No                              176         -       176       176         -         -         -       170         6       127        48         3       122         1         2        48
                                       23%                 23%       23%                                     25%        8%       24%       21%       15%       26%        4%       10%       21%
                                                                                                               I                                       N        NO                            NO

       DK/NA                            28         -        28        28         -         -         -        23         4        16        12         1        13         1         1        12
                                        4%                  4%        4%                                      3%        6%        3%        5%        3%        3%        4%        9%        5%

       CHI-SQUARE                          <--------.0-------> <------------------.0-----------------> <------10.95------> <-------2.35------> <---------------------13.96--------------------->
       SIGNIFICANCE                                 %*                            %*                           100%                69%                                92%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q24 Page 107

Q24 Did you get your Canada Student Loan or grant in time to pay your tuition fees without penalty?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     753        656         96        524         93         72         64        370        383        518        212          -          -
                                                 100        100        100        100        100        100        100        100        100        100        100                      

                Unweighted 'N'                   440        359         80        296         69         33         42        179        261        310        107          -          -

                Yes                              549        474         75        399         64         42         44        279        270        341        191          -          -
                                                 73%        72%        78%        76%        69%        59%        68%        75%        71%        66%        90%                      
                                                                                                                                                                 J

                No                               176        157         19        109         25         27         14         84         92        158         15          -          -
                                                 23%        24%        20%        21%        27%        37%        22%        23%        24%        31%         7%                      
                                                                                                                                                      K

                DK/NA                             28         26          2         16          3          3          6          7         21         19          6          -          -
                                                  4%         4%         2%         3%         4%         4%         9%         2%         5%         4%         3%                      

                CHI-SQUARE                           <--------2.08-------> <------------------17.56------------------> <--------7.36-------> <-------47.17-------> <---------.0-------->
                SIGNIFICANCE                                  65%                              99%*                             97%                   100%                   %*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q25 Page 108

Q25 Overall, how easy was it to apply for a government student loan or grant?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    753         -       753       753         -         -         -       682        71       528       225        19       462        31        15       225
                                       100                 100       100                                     100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  440         -       440       440         -         -         -       333       107       328       112        82        95        80        71       112

       Very easy                       292         -       292       292         -         -         -       245        48       186       106         9       159        13         6       106
                                       39%                 39%       39%                                     36%       67%       35%       47%       45%       34%       42%       39%       47%
                                                                                                                         H

       Somewhat easy                   389         -       389       389         -         -         -       370        19       299        90         8       268        16         8        90
                                       52%                 52%       52%                                     54%       27%       57%       40%       40%       58%       51%       52%       40%
                                                                                                               I                   K                            LP

       Not very easy                    53         -        53        53         -         -         -        49         4        30        23         3        24         2         1        23
                                        7%                  7%        7%                                      7%        5%        6%       10%       14%        5%        5%        8%       10%

       Not easy at all                  15         -        15        15         -         -         -        15         -        12         3         0        11         -         0         3
                                        2%                  2%        2%                                      2%                  2%        1%        1%        2%                  2%        1%

       DK/NA                             3         -         3         3         -         -         -         3         -         0         3         -         -         0         -         3
                                        *%                  *%        *%                                      *%                  *%        1%                            1%                  1%

       TOP 2 BOX                       681         -       681       681         -         -         -       614        67       485       196        17       426        29        13       196
                                       91%                 91%       91%                                     90%       95%       92%       87%       85%       92%       93%       91%       87%

       BOTTOM 2 BOX                     68         -        68        68         -         -         -        64         4        42        26         3        36         2         1        26
                                        9%                  9%        9%                                      9%        5%        8%       12%       15%        8%        5%        9%       12%
                                                                                                                                                       N

       CHI-SQUARE                          <--------.0-------> <------------------.0-----------------> <------27.41------> <------24.56------> <---------------------31.65--------------------->
       SIGNIFICANCE                                 %*                            %*                          100%*               100%*                               99%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q25 Page 109

Q25 Overall, how easy was it to apply for a government student loan or grant?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     753        656         96        524         93         72         64        370        383        518        212          -          -
                                                 100        100        100        100        100        100        100        100        100        100        100                      

                Unweighted 'N'                   440        359         80        296         69         33         42        179        261        310        107          -          -

                Very easy                        292        262         30        204         36         31         22        132        160        212         72          -          -
                                                 39%        40%        32%        39%        38%        43%        34%        36%        42%        41%        34%                      

                Somewhat easy                    389        339         50        300         42         19         29        205        184        254        124          -          -
                                                 52%        52%        52%        57%        45%        26%        45%        55%        48%        49%        59%                      
                                                                                    F

                Not very easy                     53         37         16         20         15         11          8         21         32         35         16          -          -
                                                  7%         6%        16%         4%        16%        15%        12%         6%         8%         7%         8%                      

                Not easy at all                   15         15          -          1          -         11          3          8          6         15          0          -          -
                                                  2%         2%                    *%                   16%         4%         2%         2%         3%         *%                      

                DK/NA                              3          3          -          -          0          -          3          3          0          3          -          -          -
                                                  *%         *%                               1%                    4%         1%         *%         1%                                 

                TOP 2 BOX                        681        601         81        503         78         50         51        337        344        466        196          -          -
                                                 91%        92%        84%        96%        84%        69%        79%        91%        90%        90%        92%                      
                                                                                    F

                BOTTOM 2 BOX                      68         52         16         20         15         23         11         30         38         49         16          -          -
                                                  9%         8%        16%         4%        16%        31%        16%         8%        10%         9%         8%                      
                                                                                                          D

                CHI-SQUARE                           <-------17.49-------> <------------------151.68-----------------> <--------7.63-------> <--------11.5-------> <---------.0-------->
                SIGNIFICANCE                                 100%*                            100%*                             89%*                  98%*                   %*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q26 Page 110

Q26 Keeping in mind everything we have talked about so far, overall, how satisfied were you with the quality of service you received regarding your Canada 
Student Loan in the past year?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       1 - Very dissatisfied            43        30        13        13        20         8         1        35         8        33        10         1        29         2         1        10
                                        2%        3%        2%        2%        3%        6%        1%        2%        3%        3%        2%        1%        3%        2%        2%        2%
                                                                                          DG

       2                                48        37        11        11        17        11         8        41         7        29        19         3        22         3         2        19
                                        3%        3%        1%        1%        2%        8%        5%        3%        3%        2%        3%        5%        2%        3%        3%        3%
                                                                                          DE         D

       3                               316       188       128       128       128        25        34       280        36       223        93        10       188        15        10        93
                                       17%       17%       17%       17%       16%       19%       21%       17%       15%       18%       15%       16%       19%       16%       18%       15%

       4                               788       405       383       383       298        48        58       676       112       517       271        28       436        33        21       271
                                       43%       37%       51%       51%       37%       36%       36%       42%       47%       42%       43%       42%       43%       35%       37%       43%
                                                             B       EFG                                                                                                                       N

       5 - Very satisfied              643       426       217       217       323        42        60       569        74       420       223        24       331        41        23       223
                                       35%       39%       29%       29%       40%       31%       37%       35%       31%       34%       36%       37%       33%       44%       40%       36%
                                                   C                            DF                                                                                         M

       DK/NA                            15        15         -         -        15         0         0        12         4         4        11         -         3         1         0        11
                                        1%        1%                            2%        *%        *%        1%        1%        *%        2%                  *%        1%        *%        2%

       TOP 2 BOX                      1431       831       600       600       622        90       119      1245       186       937       494        52       767        74        43       494
                                       77%       76%       80%       80%       77%       67%       73%       77%       77%       76%       79%       78%       76%       79%       77%       79%
                                                                       F         F

       BOTTOM 2 BOX                     91        66        24        24        38        19        10        75        15        62        29         4        51         5         3        29
                                        5%        6%        3%        3%        5%       14%        6%        5%        6%        5%        5%        6%        5%        5%        5%        5%
                                                                                         DEG

       CHI-SQUARE                          <------40.81------> <----------------73.32----------------> <-------4.83------> <-------5.54------> <---------------------14.99--------------------->
       SIGNIFICANCE                               100%*                         100%*                          70%*                76%*                               47%*
       MEAN                            4.1       4.1       4.0       4.0       4.1       3.8       4.0       4.1       4.0       4.0       4.1       4.1       4.0       4.2       4.1       4.1
                                                                                 F                   F

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q26 Page 111

Q26 Keeping in mind everything we have talked about so far, overall, how satisfied were you with the quality of service you received regarding your Canada 
Student Loan in the past year?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                1 - Very dissatisfied             43         17         26         14         13          6         10         21         22         38          5         12         17
                                                  2%         2%         3%         2%         3%         2%         4%         3%         2%         3%         1%         3%         2%

                2                                 48         23         25         17          8         15          7         21         27         32         16         22         14
                                                  3%         3%         2%         2%         2%         5%         3%         3%         3%         2%         3%         6%         2%
                                                                                                                                                                            M

                3                                316        147        167        138         88         64         27        138        178        234         77         66        118
                                                 17%        18%        16%        16%        18%        23%        12%        17%        17%        18%        16%        18%        17%

                4                                788        390        398        413        208         76         92        351        437        551        221        148        244
                                                 43%        47%        39%        48%        42%        28%        42%        44%        41%        41%        45%        41%        34%
                                                              C                     F          F                     F

                5 - Very satisfied               643        238        405        286        172        111         75        254        390        476        160        117        302
                                                 35%        29%        39%        33%        35%        41%        34%        32%        37%        36%        33%        32%        43%
                                                                         B                                                                                                             L

                DK/NA                             15          6          9          0          7          1          7          8          7          2          9          0         15
                                                  1%         1%         1%         *%         1%         1%         3%         1%         1%         *%         2%         *%         2%
                                                                                                                                                                                       L

                TOP 2 BOX                       1431        628        803        698        379        187        167        605        826       1027        381        265        546
                                                 77%        76%        78%        81%        77%        69%        77%        76%        78%        77%        78%        73%        77%
                                                                                    F

                BOTTOM 2 BOX                      91         40         51         31         21         21         17         42         49         70         21         33         31
                                                  5%         5%         5%         4%         4%         8%         8%         5%         5%         5%         4%         9%         4%

                CHI-SQUARE                           <-------23.89-------> <------------------50.57------------------> <--------4.79-------> <--------8.68-------> <-------21.49------->
                SIGNIFICANCE                                 100%*                            100%*                             69%*                  93%*                 100%*
                MEAN                             4.1        4.0        4.1        4.1        4.1        4.0        4.0        4.0        4.1        4.0        4.1        3.9        4.2
                                                                                                                                                                                       L

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q27 Page 112

Q27 Over the past two years, has the quality of service you have received with regard to your Canada Student Loan improved, worsened, or stayed more or less 
the same?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       Improved                        188       101        87        87        57        17        27       159        29       125        63         7       103         8         7        63
                                       10%        9%       12%       12%        7%       13%       17%       10%       12%       10%       10%       11%       10%        9%       13%       10%
                                                                                                     E

       Worsened                         45        34        11        11        12        14         8        41         5        36        10         2        32         2         1        10
                                        2%        3%        1%        1%        2%       11%        5%        3%        2%        3%        2%        2%        3%        2%        1%        2%
                                                                                         DEG

       Stayed more or less the        1521       934       587       587       713       100       122      1325       196       995       526        55       816        79        45       526
       same                            82%       85%       78%       78%       89%       74%       75%       82%       82%       81%       84%       83%       81%       84%       80%       84%
                                                                               DFG

       Does not apply                   77        14        63        63         8         2         4        70         7        52        25         1        44         4         2        25
                                        4%        1%        8%        8%        1%        1%        3%        4%        3%        4%        4%        2%        4%        4%        4%        4%
                                                             B       EFG

       DK/NA                            21        17         4         4        12         3         2        18         3        18         3         2        14         1         1         3
                                        1%        2%        1%        1%        2%        2%        1%        1%        1%        1%        *%        2%        1%        1%        3%        *%

       CHI-SQUARE                          <------67.37------> <----------------128.61---------------> <-------2.76------> <-------7.33------> <---------------------11.51--------------------->
       SIGNIFICANCE                                100%                          100%                          40%                 88%                                22%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q27 Page 113

Q27 Over the past two years, has the quality of service you have received with regard to your Canada Student Loan improved, worsened, or stayed more or less 
the same?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                Improved                         188         74        114         91         46         29         22         77        111        158         30         40         60
                                                 10%         9%        11%        11%         9%        11%        10%        10%        11%        12%         6%        11%         8%
                                                                                                                                                      K

                Worsened                          45         18         28         18         12          8          7         22         24         40          5         24          9
                                                  2%         2%         3%         2%         2%         3%         3%         3%         2%         3%         1%         7%         1%
                                                                                                                                                                            M

                Stayed more or less the         1521        666        855        701        420        221        179        664        858       1064        425        292        619
                same                             82%        81%        83%        81%        85%        81%        82%        84%        81%        80%        87%        80%        87%
                                                                                                                                                                 J

                Does not apply                    77         59         17         45         11         14          8         23         54         50         26          5          9
                                                  4%         7%         2%         5%         2%         5%         4%         3%         5%         4%         5%         1%         1%
                                                              C

                DK/NA                             21          5         16         12          7          1          1          7         14         20          1          4         12
                                                  1%         1%         2%         1%         1%         *%         1%         1%         1%         1%         *%         1%         2%

                CHI-SQUARE                           <-------40.37-------> <------------------13.42------------------> <--------7.07-------> <-------25.65-------> <-------25.64------->
                SIGNIFICANCE                                  100%                             66%                              87%                   100%                  100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q28 Page 114

Q28 If you had not received a Canada Student Loan, which of the following best describes what would have happened? Would you have&?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    753         -       753       753         -         -         -       682        71       528       225        19       462        31        15       225
                                       100                 100       100                                     100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  440         -       440       440         -         -         -       333       107       328       112        82        95        80        71       112

       Studied anyway                  316         -       316       316         -         -         -       300        16       239        77         7       216        10         6        77
                                       42%                 42%       42%                                     44%       23%       45%       34%       34%       47%       32%       39%       34%
                                                                                                               I

       Delayed your studies            296         -       296       296         -         -         -       262        35       204        92         9       176        13         7        92
                                       39%                 39%       39%                                     38%       49%       39%       41%       44%       38%       43%       44%       41%

       Not pursued any post-           125         -       125       125         -         -         -       105        19        73        52         4        58         8         2        52
       secondary studies at all        17%                 17%       17%                                     15%       27%       14%       23%       20%       13%       25%       15%       23%
                                                                                                                                                                           M

       DK/NA                            16         -        16        16         -         -         -        15         1        12         4         0        11         -         0         4
                                        2%                  2%        2%                                      2%        2%        2%        2%        1%        2%                  2%        2%

       CHI-SQUARE                          <--------.0-------> <------------------.0-----------------> <------14.09------> <------13.28------> <---------------------20.37--------------------->
       SIGNIFICANCE                                 %*                            %*                           100%                100%                               94%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q28 Page 115

Q28 If you had not received a Canada Student Loan, which of the following best describes what would have happened? Would you have&?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     753        656         96        524         93         72         64        370        383        518        212          -          -
                                                 100        100        100        100        100        100        100        100        100        100        100                      

                Unweighted 'N'                   440        359         80        296         69         33         42        179        261        310        107          -          -

                Studied anyway                   316        266         49        252         26         22         16        164        152        196        115          -          -
                                                 42%        41%        51%        48%        28%        30%        25%        44%        40%        38%        54%                      
                                                                                   EG

                Delayed your studies             296        271         25        223         40         18         15        124        173        208         74          -          -
                                                 39%        41%        26%        43%        43%        25%        24%        34%        45%        40%        35%                      

                Not pursued any post-            125        106         19         43         27         26         28         73         51         99         22          -          -
                secondary studies at all         17%        16%        19%         8%        29%        37%        44%        20%        13%        19%        10%                      
                                                                                               D          D          D

                DK/NA                             16         13          3          6          -          6          4          9          7         15          1          -          -
                                                  2%         2%         3%         1%                    8%         7%         2%         2%         3%         1%                      

                CHI-SQUARE                           <--------8.52-------> <------------------124.55-----------------> <-------12.24-------> <-------20.98-------> <---------.0-------->
                SIGNIFICANCE                                  96%                              100%                             99%                   100%                   %*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q29 Page 116

Q29 Have you received a Canada Student Grant, a Canada Study Grant, or a Canada Access Grant this school year or last year?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    753         -       753       753         -         -         -       682        71       528       225        19       462        31        15       225
                                       100                 100       100                                     100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  440         -       440       440         -         -         -       333       107       328       112        82        95        80        71       112

       Yes                             361         -       361       361         -         -         -       342        19       283        77        10       252        14         8        77
                                       48%                 48%       48%                                     50%       27%       54%       34%       52%       55%       44%       52%       34%
                                                                                                               I                   K                   P         P                   P

       No                              313         -       313       313         -         -         -       268        44       188       124         6       162        17         4       124
                                       42%                 42%       42%                                     39%       63%       36%       55%       33%       35%       53%       27%       55%
                                                                                                                         H                   J                           LMO                 LMO

       DK/NA                            80         -        80        80         -         -         -        72         8        56        24         3        49         1         3        24
                                       11%                 11%       11%                                     11%       11%       11%       11%       15%       11%        3%       21%       11%
                                                                                                                                                       N                             N         N

       CHI-SQUARE                          <--------.0-------> <------------------.0-----------------> <------15.75------> <------26.82------> <---------------------33.79--------------------->
       SIGNIFICANCE                                 %*                            %*                           100%                100%                               100%

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q29 Page 117

Q29 Have you received a Canada Student Grant, a Canada Study Grant, or a Canada Access Grant this school year or last year?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     753        656         96        524         93         72         64        370        383        518        212          -          -
                                                 100        100        100        100        100        100        100        100        100        100        100                      

                Unweighted 'N'                   440        359         80        296         69         33         42        179        261        310        107          -          -

                Yes                              361        313         47        276         23         33         28        181        180        257         96          -          -
                                                 48%        48%        49%        53%        25%        46%        44%        49%        47%        50%        45%                      
                                                                                    E

                No                               313        270         42        196         62         30         25        151        162        209         96          -          -
                                                 42%        41%        44%        37%        67%        42%        38%        41%        42%        40%        45%                      
                                                                                               D

                DK/NA                             80         73          7         52          8          9         11         38         42         52         20          -          -
                                                 11%        11%         7%        10%         8%        12%        18%        10%        11%        10%         9%                      

                CHI-SQUARE                           <--------1.66-------> <------------------33.38------------------> <--------.33--------> <--------1.55-------> <---------.0-------->
                SIGNIFICANCE                                  56%                              100%                             15%                   54%                    %*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q30 Page 118

Q30 If you had not received a grant, which of the following best describes what would have happened? Would you have...?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    361         -       361       361         -         -         -       342        19       283        77        10       252        14         8        77
                                       100                 100       100                                     100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  206         -       206       206         -         -         -       160        46       165        41        42        50        35        38        41

       Studied anyway                  282         -       282       282         -         -         -       272         9       222        60         7       200         9         6        60
                                       78%                 78%       78%                                     80%       50%       78%       77%       68%       80%       64%       78%       77%
                                                                                                               I

       Delayed your studies             64         -        64        64         -         -         -        59         5        51        14         2        43         4         1        14
                                       18%                 18%       18%                                     17%       27%       18%       18%       23%       17%       29%       19%       18%

       Not pursued any post-            14         -        14        14         -         -         -        10         4        11         4         1         9         1         0         4
       secondary studies at all         4%                  4%        4%                                      3%       23%        4%        5%        9%        3%        7%        3%        5%
                                                                                                                         H

       CHI-SQUARE                          <--------.0-------> <------------------.0-----------------> <------20.32------> <-------.17-------> <----------------------3.11--------------------->
       SIGNIFICANCE                                 %*                            %*                          100%*                2%*                                1%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q30 Page 119

Q30 If you had not received a grant, which of the following best describes what would have happened? Would you have...?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     361        313         47        276         23         33         28        181        180        257         96          -          -
                                                 100        100        100        100        100        100        100        100        100        100        100                      

                Unweighted 'N'                   206        174         31        153         25         14         14         87        119        156         41          -          -

                Studied anyway                   282        242         40        230         14         29          9        145        137        192         87          -          -
                                                 78%        77%        83%        83%        62%        87%        32%        80%        76%        75%        90%                      
                                                                                    G                     G

                Delayed your studies              64         57          8         41          8          4         11         28         36         52          9          -          -
                                                 18%        18%        16%        15%        32%        13%        41%        16%        20%        20%        10%                      

                Not pursued any post-             14         14          0          5          1          -          8          8          6         13          0          -          -
                secondary studies at all          4%         4%         1%         2%         6%                   27%         5%         3%         5%         *%                      

                CHI-SQUARE                           <--------1.89-------> <------------------65.13------------------> <--------1.59-------> <-------11.05-------> <---------.0-------->
                SIGNIFICANCE                                  40%*                            100%*                             34%*                  99%*                   %*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q31 Page 120

Q31 Has the current economic downturn in the country affected you financially?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       Yes                             973       552       422       422       336        94       122       843       130       673       301        24       599        35        15       301
                                       53%       50%       56%       56%       42%       69%       75%       52%       54%       55%       48%       36%       59%       37%       26%       48%
                                                                       E                  DE        DE                                                 O      LNOP         O                 LNO

       No                              864       540       324       324       460        38        41       755       109       544       320        42       403        58        40       320
                                       47%       49%       43%       43%       57%       28%       25%       47%       45%       44%       51%       64%       40%       62%       72%       51%
                                                                      FG       DFG                                                                    MP                  MP       MNP         M

       DK/NA                            16         9         7         7         6         3         0        15         1         9         6         -         8         1         1         6
                                        1%        1%        1%        1%        1%        2%        *%        1%        *%        1%        1%                  1%        1%        2%        1%
                                                                                           G

       CHI-SQUARE                          <-------6.39------> <----------------92.85----------------> <-------1.27------> <-------8.07------> <---------------------56.95--------------------->
       SIGNIFICANCE                                96%                           100%                          47%                 98%                               100%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q31 Page 121

Q31 Has the current economic downturn in the country affected you financially?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                Yes                              973        474        500        450        247        134        143        399        575        729        227        261        273
                                                 53%        58%        48%        52%        50%        49%        66%        50%        54%        55%        47%        71%        38%
                                                              C                                                    DEF                                                      M

                No                               864        341        521        409        245        136         74        386        478        588        260        101        431
                                                 47%        42%        51%        47%        49%        50%        34%        49%        45%        44%        53%        28%        61%
                                                                         B          G          G          G                                                                            L

                DK/NA                             16          6         10          9          4          3          0          9          7         16          0          3          6
                                                  1%         1%         1%         1%         1%         1%         *%         1%         1%         1%         *%         1%         1%

                CHI-SQUARE                           <-------15.42-------> <------------------19.53------------------> <--------3.29-------> <--------15.7-------> <-------106.01------>
                SIGNIFICANCE                                  100%                            100%*                             81%                   100%                  100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q32 Page 122

Q32 How has the current economic downturn affected you financially?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    973       552       422       422       336        94       122       843       130       673       301        24       599        35        15       301
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  915       722       193       193       182       250       290       641       274       675       240       151       232       161       131       240

       Lost my job / couldn't          473       264       209       209       137        57        71       413        60       328       145         8       300        14         6       145
       find a job                      49%       48%       50%       50%       41%       61%       58%       49%       46%       49%       48%       34%       50%       41%       41%       48%
                                                                                           E         E                                                           L                             L

       Working fewer hours or          223       144        79        79        83        28        33       181        42       143        80         7       121        12         3        80
       pay has decreased               23%       26%       19%       19%       25%       30%       27%       21%       32%       21%       27%       28%       20%       34%       21%       27%
                                                                                                                                                                           M

       Higher cost of living/          111        55        56        56        38        11         6        99        12        74        37         4        64         4         3        37
       more difficult to pay           11%       10%       13%       13%       11%       11%        5%       12%        9%       11%       12%       16%       11%       10%       18%       12%
       bills                                                           G

       Received less money/             62        23        40        40        14         2         6        55         7        50        12         2        47         1         1        12
       financial assistance             6%        4%        9%        9%        4%        3%        5%        7%        5%        7%        4%        7%        8%        2%        5%        4%
       from family                                                     F                                                                                         N

       Made it more difficult           58        42        16        16        22         8        13        49         9        30        28         1        27         1         1        28
       to pay student loan              6%        8%        4%        4%        6%        8%       10%        6%        7%        4%        9%        5%        4%        4%        3%        9%
                                                                                                     D

       Took additional job/             35        12        23        23        10         0         1        28         7        27         7         1        25         1         -         7
       working extra hours              4%        2%        5%        5%        3%        1%        1%        3%        5%        4%        2%        4%        4%        3%                  2%
                                                                       F

       Decreased return on              31        19        12        12        18         0         1        31         1        29         2         1        27         1         0         2
       investments                      3%        3%        3%        3%        5%        *%        1%        4%        *%        4%        1%        6%        4%        2%        3%        1%
                                                                                FG                             I                   K                   P         P

       Decreased revenue from           27        13        14        14         7         1         4        24         3        19         8         0        18         0         1         8
       business/fewer customers         3%        2%        3%        3%        2%        2%        4%        3%        2%        3%        3%        2%        3%        1%        3%        3%

       Have had to incur more           22        11        11        11         8         1         2        14         8        13         9         0        12         0         0         9
       debt                             2%        2%        3%        3%        2%        2%        1%        2%        6%        2%        3%        1%        2%        1%        3%        3%

       Had to make budget cuts          14        12         1         1        12         -         -        12         1         7         7         0         6         -         -         7
                                        1%        2%        *%        *%        4%                            1%        1%        1%        2%        2%        1%                            2%

       Require more financial            6         1         6         6         -         1         0         6         0         6         1         -         6         -         0         1
       assistance from family           1%        *%        1%        1%                  1%        *%        1%        *%        1%        *%                  1%                  *%        *%

       More difficult to get             6         6         1         1         5         0         1         4         2         2         5         0         -         1         0         5
       loans/credit                     1%        1%        *%        *%        1%        *%        *%        *%        2%        *%        2%        2%                  2%        2%        2%

       Other                            32         9        23        23         5         2         3        31         2        24         8         1        21         2         0         8
                                        3%        2%        5%        5%        1%        2%        2%        4%        1%        4%        3%        4%        3%        5%        3%        3%

       DK/NA                            31        20        11        11        19         0         1        29         2        21         9         1        16         3         1         9
                                        3%        4%        3%        3%        6%        *%        1%        3%        2%        3%        3%        4%        3%        7%        9%        3%
                                                                                FG

       CHI-SQUARE                          <------58.02------> <----------------114.92---------------> <------28.66------> <------35.16------> <---------------------55.64--------------------->
       SIGNIFICANCE                                100%                         100%*                          99%*                100%                               66%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q32 Page 123

Q32 How has the current economic downturn affected you financially?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     973        474        500        450        247        134        143        399        575        729        227        261        273
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                   915        272        643        337        264        141        173        355        560        770        133        467        233

                Lost my job / couldn't           473        221        252        249        130         53         40        198        275        368        100        147        107
                find a job                       49%        47%        50%        55%        53%        40%        28%        50%        48%        50%        44%        56%        39%
                                                                                    G          G                                                                            M

                Working fewer hours or           223        107        116        103         53         36         32         93        130        168         50         67         73
                pay has decreased                23%        23%        23%        23%        21%        27%        22%        23%        23%        23%        22%        26%        27%

                Higher cost of living/           111         71         40         31         26         20         34         34         77         76         29         34         19
                more difficult to pay            11%        15%         8%         7%        10%        15%        24%         9%        13%        10%        13%        13%         7%
                bills                                                                                               DE

                Received less money/              62         43         19         43          9          7          4         23         39         38         21         14          9
                financial assistance              6%         9%         4%        10%         4%         5%         3%         6%         7%         5%         9%         5%         3%
                from family                                                         G

                Made it more difficult            58         20         38         21         13          6         18         30         28         51          7         32         10
                to pay student loan               6%         4%         8%         5%         5%         4%        12%         8%         5%         7%         3%        12%         4%
                                                                                                                                                                            M

                Took additional job/              35         26          9         17          5          6          7         15         20         21         13          3          6
                working extra hours               4%         5%         2%         4%         2%         4%         5%         4%         4%         3%         6%         1%         2%

                Decreased return on               31         12         20          5         12          8          6          7         25         24          7          1         18
                investments                       3%         3%         4%         1%         5%         6%         4%         2%         4%         3%         3%         *%         7%
                                                                                                                                                                                       L

                Decreased revenue from            27         14         13         14          7          6          0         13         14         22          6          3         10
                business/fewer customers          3%         3%         3%         3%         3%         4%         *%         3%         2%         3%         2%         1%         4%

                Have had to incur more            22         11         11          9          9          1          3          4         18         21          1          6          5
                debt                              2%         2%         2%         2%         4%         1%         2%         1%         3%         3%         *%         2%         2%
                                                                                                                                                      K

                Had to make budget cuts           14          8          5          4          3          6          1          4         10         11          3          4          5
                                                  1%         2%         1%         1%         1%         4%         1%         1%         2%         1%         1%         1%         2%

                Require more financial             6          6          1          6          -          -          -          1          6          6          -          1          -
                assistance from family            1%         1%         *%         1%                                          *%         1%         1%                    *%           

                More difficult to get              6          3          4          1          2          1          3          2          4          3          3          2          3
                loans/credit                      1%         1%         1%         *%         1%         *%         2%         1%         1%         *%         1%         1%         1%

                Other                             32         20         12         18          4          4          7         22         10         26          6          4          5
                                                  3%         4%         2%         4%         2%         3%         5%         6%         2%         4%         3%         2%         2%

                DK/NA                             31         10         21         10          2          6         13          7         24         16         15          1         19
                                                  3%         2%         4%         2%         1%         4%         9%         2%         4%         2%         6%         *%         7%
                                                                                                                     E                                                                 L

                CHI-SQUARE                           <--------45.9-------> <------------------145.58-----------------> <-------36.45-------> <-------36.01-------> <-------61.15------->
                SIGNIFICANCE                                  100%                            100%*                             100%                  100%                 100%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q33 Page 124

Q33 Has the current economic downturn affected your post-secondary plans?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       Yes                             439       285       154       154       160        55        69       373        66       273       166        10       240        17         6       166
                                       24%       26%       20%       20%       20%       41%       43%       23%       27%       22%       26%       15%       24%       18%       12%       26%
                                                                                          DE        DE                                                          LO                           LNO

       No                             1377       790       587       587       623        76        91      1207       170       929       448        56       747        77        49       448
                                       74%       72%       78%       78%       78%       57%       56%       75%       71%       76%       71%       84%       74%       82%       88%       71%
                                                                      FG        FG                                                                    MP                  MP        MP

       DK/NA                            37        26        12        12        20         3         2        33         4        23        14         0        22         0         0        14
                                        2%        2%        2%        2%        2%        2%        2%        2%        2%        2%        2%        1%        2%        *%        1%        2%
                                                                                                                                                                                               N

       CHI-SQUARE                          <-------9.07------> <----------------67.19----------------> <-------2.01------> <-------4.31------> <---------------------15.16--------------------->
       SIGNIFICANCE                                99%                           100%                          63%                 88%                                94%

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                     Table Q33 Page 125

Q33 Has the current economic downturn affected your post-secondary plans?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                Yes                              439        188        251        207        125         47         60        219        220        336         94        131        140
                                                 24%        23%        24%        24%        25%        17%        28%        28%        21%        25%        19%        36%        20%
                                                                                                                                                                            M

                No                              1377        613        762        643        359        225        150        565        812        972        386        229        550
                                                 74%        75%        74%        74%        72%        82%        69%        71%        77%        73%        79%        63%        78%
                                                                                                          G                                                                            L

                DK/NA                             37         20         17         18         12          1          7          9         28         25          7          5         19
                                                  2%         2%         2%         2%         2%         *%         3%         1%         3%         2%         1%         1%         3%

                CHI-SQUARE                           <--------1.95-------> <------------------16.01------------------> <-------16.22-------> <--------7.62-------> <-------33.77------->
                SIGNIFICANCE                                  62%                              99%                              100%                  98%                   100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                     Table Q34 Page 126

Q34 How has the current economic downturn affected your post-secondary plans?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    439       285       154       154       160        55        69       373        66       273       166        10       240        17         6       166
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  446       372        74        74        90       126       156       320       126       310       136        65       113        71        61       136

       Less likely to take             127       108        19        19        63        21        23       113        14        64        63         4        53         5         2        63
       (more) post-secondary           29%       38%       12%       12%       40%       39%       33%       30%       21%       23%       38%       34%       22%       31%       26%       38%
                                                   C                             D         D         D                                       J                                                 M

       More likely to go back           63        39        24        24        25         7         6        56         7        39        24         0        36         2         1        24
       to school                       14%       14%       16%       16%       16%       13%        9%       15%       11%       14%       15%        5%       15%       10%       13%       15%

       Will stay in school              50        25        25        25        15         5         5        45         4        45         5         1        43         1         0         5
       longer                          11%        9%       16%       16%       10%        9%        7%       12%        6%       16%        3%        5%       18%        7%        5%        3%
                                                                                                                                   K                           LOP

       Will have less money to          46        27        18        18        10         4        13        40         5        34        12         1        30         2         0        12
       live on while in school         10%       10%       12%       12%        6%        8%       18%       11%        8%       12%        7%       11%       12%       14%        6%        7%
                                                                                                     E

       Lack of job openings             41        22        19        19        10         5         6        34         7        27        14         2        21         2         1        14
       related to my field              9%        8%       13%       13%        6%       10%        9%        9%       10%       10%        8%       21%        9%       15%       20%        8%

       Delayed plans to return          24        24         1         1        16         5         3        17         8         9        15         0         6         1         1        15
       to school                        5%        8%        *%        *%       10%        8%        5%        4%       12%        3%        9%        5%        3%        8%       11%        9%
                                                   C                             D         D

       Have had to incur more           20        10        10        10         6         1         3        14         6         9        11         1         8         0         0        11
       debt                             5%        3%        7%        7%        4%        1%        4%        4%        9%        3%        6%        6%        3%        2%        7%        6%

       Forced to change                 20         6        14        14         3         0         2        16         4        13         7         0        13         0         0         7
       programs                         5%        2%        9%        9%        2%        1%        3%        4%        6%        5%        4%        1%        5%        1%        3%        4%

       Will study part-time             14         8         6         6         4         3         2        13         1        11         4         0        10         0         -         4
       instead                          3%        3%        4%        4%        2%        5%        3%        3%        2%        4%        2%        2%        4%        2%                  2%

       Will leave school                14         6         8         8         4         2         0        13         1         9         5         1         7         1         0         5
       earlier                          3%        2%        5%        5%        2%        4%        1%        4%        1%        3%        3%        6%        3%        4%        7%        3%

       Forced to get a job to            9         5         3         3         3         2         0         5         4         6         3         -         5         0         0         3
       pay for school                   2%        2%        2%        2%        2%        3%        1%        1%        6%        2%        2%                  2%        3%        1%        2%

       Change schools for lower          9         2         7         7         -         0         1         9         0         7         1         0         7         -         0         1
       tuition                          2%        1%        5%        5%                  *%        2%        2%        *%        3%        1%        2%        3%                  1%        1%

       Other                            26        14        12        12         8         2         4        21         4        13        13         1        11         1         0        13
                                        6%        5%        7%        7%        5%        3%        6%        6%        6%        5%        8%        7%        5%        7%        2%        8%

       DK/NA                            10         4         6         6         1         1         3         7         3         9         1         0         8         1         0         1
                                        2%        1%        4%        4%        *%        1%        4%        2%        4%        3%        *%        2%        3%        4%        2%        *%

       CHI-SQUARE                          <------68.96------> <----------------89.08----------------> <------23.42------> <------44.36------> <---------------------59.47--------------------->
       SIGNIFICANCE                                100%                         100%*                          96%*                100%                               78%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q34 Page 127

Q34 How has the current economic downturn affected your post-secondary plans?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     439        188        251        207        125         47         60        219        220        336         94        131        140
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                   446        127        318        171        139         59         77        190        256        382         57        232        127

                Less likely to take              127         34         92         41         46         23         17         51         76        109         17         53         53
                (more) post-secondary            29%        18%        37%        20%        37%        48%        28%        23%        35%        33%        18%        41%        38%
                                                                         B                                D

                More likely to go back            63         34         29         36         16          3          7         30         33         44         18         11         27
                to school                        14%        18%        11%        18%        13%         6%        12%        14%        15%        13%        20%         8%        20%

                Will stay in school               50         31         19         37          3          7          2         33         17         33         14         12         12
                longer                           11%        16%         8%        18%         3%        15%         4%        15%         8%        10%        15%         9%         8%
                                                                                   EG

                Will have less money to           46         24         22         20         16          5          5         21         25         23         22         11         16
                live on while in school          10%        13%         9%        10%        13%        10%         8%         9%        11%         7%        24%         8%        11%

                Lack of job openings              41         16         25         14         12          3         12         27         14         40          1         12          8
                related to my field               9%         8%        10%         7%         9%         7%        20%        12%         6%        12%         1%         9%         6%
                                                                                                                                                      K

                Delayed plans to return           24          4         20          9         13          2          1         16          9         18          6         12          7
                to school                         5%         2%         8%         5%        10%         3%         1%         7%         4%         6%         6%         9%         5%

                Have had to incur more            20          9         11         10          4          0          5          8         12         18          1          3          7
                debt                              5%         5%         5%         5%         3%         1%         9%         4%         5%         5%         1%         2%         5%

                Forced to change                  20         16          4         15          4          -          1         16          4         16          1          1          4
                programs                          5%         8%         2%         7%         3%                    2%         7%         2%         5%         1%         1%         3%

                Will study part-time              14         12          2         11          0          0          2          8          6         14          0          4          0
                instead                           3%         7%         1%         5%         *%         1%         3%         4%         3%         4%         *%         3%         *%

                Will leave school                 14          7          7         11          2          1          0          9          5         14          -          2          5
                earlier                           3%         4%         3%         5%         2%         3%         *%         4%         2%         4%                    1%         3%

                Forced to get a job to             9          3          5          2          3          3          1          3          6          5          4          4          2
                pay for school                    2%         2%         2%         1%         3%         6%         1%         1%         3%         1%         4%         3%         1%

                Change schools for lower           9          7          1          7          1          0          -          6          3          9          -          1          0
                tuition                           2%         4%         1%         4%         1%         *%                    3%         1%         3%                    1%         *%

                Other                             26         15         11         12          8          1          5         11         15         19          6          6          8
                                                  6%         8%         4%         6%         6%         2%         9%         5%         7%         6%         7%         5%         6%

                DK/NA                             10          1          9          2          0          1          7          0          9          3          7          3          0
                                                  2%         *%         4%         1%         *%         2%        11%         *%         4%         1%         7%         3%         *%

                CHI-SQUARE                           <-------66.48-------> <------------------116.6------------------> <-------37.25-------> <-------70.59-------> <--------21.5------->
                SIGNIFICANCE                                  100%                            100%*                             100%                 100%*                  94%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q35 Page 128

Q35 What is your current gross monthly income, before taxes and deductions?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       No income                        81        81         -         -        32        22        26        72         9        52        29         3        44         4         2        29
                                        7%        7%                            4%       17%       16%        8%        5%        7%        7%        6%        8%        6%        4%        7%
                                                                                           E         E

       $1 to less than $800             95        95         -         -        52        18        25        78        18        71        24         2        65         3         2        24
                                        9%        9%                            6%       14%       16%        8%       10%       10%        6%        3%       12%        6%        4%        6%
                                                                                           E         E                                                         LNO

       $800 to less than $1,600        227       227         -         -       137        46        45       184        44       147        80         7       122        12         6        80
                                       21%       21%                           17%       34%       28%       20%       26%       21%       20%       14%       22%       20%       15%       20%
                                                                                           E         E

       $1,600 to less than             195       195         -         -       144        23        28       158        37       140        55        12       102        19         8        55
       $2,500                          18%       18%                           18%       17%       17%       17%       22%       20%       14%       26%       19%       30%       19%       14%
                                                                                                                                                       P                 MOP

       $2,500 to less than             182       182         -         -       156        10        16       156        25       106        75         7        85         7         8        75
       $3,300                          17%       17%                           20%        7%       10%       17%       15%       15%       19%       14%       15%       12%       19%       19%
                                                                                FG

       $3,300 to less than             161       161         -         -       145         9         7       150        11        86        75         8        66         7         5        75
       $5,000                          15%       15%                           18%        6%        4%       16%        6%       12%       19%       17%       12%       11%       12%       19%
                                                                                FG                             I                                                                               N

       $5,000 to less than              63        63         -         -        58         3         2        55         8        35        28         3        24         3         4        28
       $6,700                           6%        6%                            7%        2%        1%        6%        5%        5%        7%        6%        4%        5%       10%        7%
                                                                                FG

       $6,700 or more                   20        20         -         -        17         0         3        15         5        14         6         2         8         3         1         6
                                        2%        2%                            2%        *%        2%        2%        3%        2%        1%        5%        1%        4%        3%        1%
                                                                                 F

       Varies too much by month          8         8         -         -         1         3         4         7         1         7         1         1         5         1         0         1
       to say                           1%        1%                            *%        2%        2%        1%        *%        1%        *%        2%        1%        1%        *%        *%

       Refused                          69        69         -         -        61         2         7        56        13        40        29         4        26         4         6        29
                                        6%        6%                            8%        1%        4%        6%        7%        6%        7%        8%        5%        7%       13%        7%
                                                                                 F                                                                                                  MN

       CHI-SQUARE                          <--------.0-------> <----------------161.28---------------> <------18.73------> <------26.01------> <---------------------56.62--------------------->
       SIGNIFICANCE                                 %*                          100%*                          97%                 100%                               98%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q35 Page 129

Q35 What is your current gross monthly income, before taxes and deductions?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                No income                         81         25         56         40         16         14         11         29         51         70         11         57         21
                                                  7%        15%         6%        12%         4%         7%         7%         7%         8%         9%         4%        16%         3%
                                                              C                     E                                                                                       M

                $1 to less than $800              95         30         65         48         29          9          9         35         61         79         16         52         42
                                                  9%        18%         7%        14%         7%         4%         6%         8%         9%        10%         6%        14%         6%
                                                              C                     F                                                                                       M

                $800 to less than $1,600         227         33        194         97         51         49         30         90        138        174         50         98        122
                                                 21%        20%        21%        28%        13%        24%        20%        21%        20%        21%        18%        27%        17%
                                                                                    E                     E                                                                 M

                $1,600 to less than              195         27        168         61         80         31         23         62        133        138         56         52        134
                $2,500                           18%        16%        18%        18%        20%        16%        15%        15%        20%        17%        20%        14%        19%

                $2,500 to less than              182         22        158         38         77         33         33         54        128        133         46         51        130
                $3,300                           17%        14%        17%        11%        19%        16%        22%        13%        19%        16%        17%        14%        18%

                $3,300 to less than              161         11        150         29         75         29         27         80         81         96         64         25        135
                $5,000                           15%         6%        16%         8%        19%        15%        18%        19%        12%        12%        23%         7%        19%
                                                                         B                     D                                                                 J                     L

                $5,000 to less than               63          3         60          3         37         19          3         34         29         47         15         14         48
                $6,700                            6%         2%         6%         1%         9%         9%         2%         8%         4%         6%         5%         4%         7%
                                                                         B                    DG          D

                $6,700 or more                    20          -         20          6          7          3          3         15          5         16          3          2         17
                                                  2%                    2%         2%         2%         2%         2%         4%         1%         2%         1%         1%         2%

                Varies too much by month           8          2          6          3          3          1          1          2          6          7          1          4          2
                to say                            1%         1%         1%         1%         1%         *%         1%         1%         1%         1%         *%         1%         *%

                Refused                           69         11         57         18         26         13         12         22         46         55         12          8         57
                                                  6%         7%         6%         5%         6%         7%         8%         5%         7%         7%         4%         2%         8%
                                                                                                                                                                                       L

                CHI-SQUARE                           <-------55.97-------> <------------------116.37-----------------> <-------38.09-------> <-------33.85-------> <-------139.17------>
                SIGNIFICANCE                                  100%                             100%                             100%                  100%                  100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q36 Page 130

Q36 What was your gross monthly income, before taxes and deductions, nine months ago (i.e. last May- June)?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       No income                       112       112         -         -        65        24        24        92        20        70        43         4        58         5         3        43
                                       10%       10%                            8%       18%       15%       10%       12%       10%       11%        8%       11%        9%        7%       11%
                                                                                           E         E

       $1 to less than $800            121       121         -         -        70        22        29       101        21        92        29         3        83         5         2        29
                                       11%       11%                            9%       16%       18%       11%       12%       13%        7%        6%       15%        8%        4%        7%
                                                                                           E         E                             K                           LOP

       $800 to less than $1,600        238       238         -         -       140        40        58       195        43       173        65         8       143        16         7        65
                                       22%       22%                           17%       30%       36%       21%       25%       25%       16%       16%       26%       25%       16%       16%
                                                                                           E         E                             K                           LOP        OP

       $1,600 to less than             210       210         -         -       160        28        23       173        38       138        73         9       104        16         9        73
       $2,500                          19%       19%                           20%       21%       14%       19%       22%       20%       18%       20%       19%       25%       23%       18%

       $2,500 to less than             148       148         -         -       129         9        10       127        21        78        70         7        60         6         4        70
       $3,300                          13%       13%                           16%        6%        6%       14%       12%       11%       17%       16%       11%       10%       11%       17%
                                                                                FG                                                                                                             N

       $3,300 to less than             119       119         -         -       107         5         7       113         6        54        65         8        35         6         5        65
       $5,000                          11%       11%                           13%        4%        4%       12%        4%        8%       16%       16%        6%       10%       11%       16%
                                                                                FG                             I                             J         M                                       M

       $5,000 to less than              52        52         -         -        50         2         1        46         6        36        17         2        27         3         4        17
       $6,700                           5%        5%                            6%        1%        *%        5%        4%        5%        4%        4%        5%        5%        9%        4%
                                                                                FG

       $6,700 or more                   15        15         -         -        14         1         1        12         3        11         4         2         5         2         2         4
                                        1%        1%                            2%        1%        *%        1%        2%        2%        1%        5%        1%        3%        5%        1%
                                                                                                                                                      MP                            MP

       Varies too much by month          7         7         -         -         4         2         2         7         1         3         4         1         1         0         0         4
       to say                           1%        1%                            *%        1%        1%        1%        *%        *%        1%        2%        *%        *%        1%        1%

       Refused                          76        76         -         -        65         3         8        65        11        45        32         4        32         4         5        32
                                        7%        7%                            8%        2%        5%        7%        7%        6%        8%        8%        6%        6%       13%        8%
                                                                                 F                                                                                                  MN

       CHI-SQUARE                          <--------.0-------> <----------------113.19---------------> <------13.77------> <------45.85------> <---------------------80.36--------------------->
       SIGNIFICANCE                                 %*                          100%*                          87%                 100%                              100%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q36 Page 131

Q36 What was your gross monthly income, before taxes and deductions, nine months ago (i.e. last May- June)?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                No income                        112         16         97         65         10         24         14         53         59         89         20         48         63
                                                 10%        10%        10%        19%         3%        12%         9%        13%         9%        11%         7%        13%         9%
                                                                                   EG                     E

                $1 to less than $800             121         43         78         64         36         15          6         37         85        106         16         66         50
                                                 11%        26%         8%        19%         9%         8%         4%         9%        12%        13%         6%        18%         7%
                                                              C                   EFG                                                                 K                     M

                $800 to less than $1,600         238         31        208         99         65         41         33         81        157        183         54        128        104
                                                 22%        18%        22%        29%        16%        20%        22%        19%        23%        22%        20%        35%        15%
                                                                                    E                                                                                       M

                $1,600 to less than              210         28        183         52         99         32         27         79        131        155         55         66        138
                $2,500                           19%        17%        20%        15%        25%        16%        18%        19%        19%        19%        20%        18%        19%
                                                                                               D

                $2,500 to less than              148         17        130         17         66         37         27         47        101         95         49         17        130
                $3,300                           13%        10%        14%         5%        16%        19%        18%        11%        15%        12%        18%         5%        18%
                                                                                               D          D          D                                                                 L

                $3,300 to less than              119         16        103         18         52         22         28         54         65         88         30         19        100
                $5,000                           11%        10%        11%         5%        13%        11%        18%        13%        10%        11%        11%         5%        14%
                                                                                               D                     D                                                                 L

                $5,000 to less than               52          1         52          6         27         17          3         33         19         29         23          7         45
                $6,700                            5%         *%         6%         2%         7%         8%         2%         8%         3%         4%         8%         2%         6%
                                                                         B                     D                                I                                                      L

                $6,700 or more                    15          -         15          2          8          3          3         12          3          8          8          2         13
                                                  1%                    2%         *%         2%         1%         2%         3%         *%         1%         3%         1%         2%

                Varies too much by month           7          0          7          1          5          1          0          0          7          4          4          2          6
                to say                            1%         *%         1%         *%         1%         *%         *%         *%         1%         *%         1%         *%         1%

                Refused                           76         13         63         19         35         10         13         27         49         58         17         11         62
                                                  7%         8%         7%         5%         9%         5%         8%         6%         7%         7%         6%         3%         9%
                                                                                                                                                                                       L

                CHI-SQUARE                           <-------55.53-------> <------------------177.4------------------> <-------42.11-------> <-------37.32-------> <-------153.9------->
                SIGNIFICANCE                                  100%                             100%                             100%                  100%                  100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q37 Page 132

Q37 What is your marital status? Are you ...?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       Married or living as a          442       442         -         -       356        36        49       360        82       272       170        24       199        29        20       170
       couple                          40%       40%                           44%       27%       30%       39%       48%       39%       42%       50%       36%       47%       50%       42%
                                                                                FG                                                                     M                             M

       Single                          610       610         -         -       414        93       103       535        75       407       203        21       335        30        20       203
                                       55%       55%                           52%       69%       63%       57%       44%       58%       51%       45%       61%       48%       48%       51%
                                                                                           E         E         I                                              LNOP

       Widowed                           0         0         -         -         -         -         0         -         0         0         -         -         -         0         -         -
                                        *%        *%                                                *%                  *%        *%                                      *%                    

       Separated                        15        15         -         -         6         4         5        14         1         9         7         0         8         0         0         7
                                        1%        1%                            1%        3%        3%        2%        1%        1%        2%        *%        1%        *%        *%        2%

       Divorced                         22        22         -         -        16         1         4        11        11         9        13         1         5         2         0        13
                                        2%        2%                            2%        1%        3%        1%        6%        1%        3%        2%        1%        4%        1%        3%
                                                                                                                         H

       DK/NA                            11        11         -         -        10         0         1        11         -         2         9         1         -         1         0         9
                                        1%        1%                            1%        *%        1%        1%                  *%        2%        2%                  1%        1%        2%

       CHI-SQUARE                          <--------.0-------> <----------------36.22----------------> <-------31.4------> <------19.99------> <---------------------35.53--------------------->
       SIGNIFICANCE                                 %*                          100%*                         100%*               100%*                               98%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q37 Page 133

Q37 What is your marital status? Are you ...?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                Married or living as a           442         33        408         78        173        113         78        140        302        316        116        109        329
                couple                           40%        20%        44%        23%        43%        56%        51%        33%        45%        39%        42%        30%        46%
                                                                         B                     D          D          D                     H                                           L

                Single                           610        121        489        262        222         83         42        273        337        464        145        239        350
                                                 55%        73%        52%        76%        55%        42%        28%        64%        50%        57%        53%        65%        49%
                                                              C                   EFG         FG                                I                                           M

                Widowed                            0          -          0          -          -          -          0          0          -          0          -          0          -
                                                  *%                    *%                                          *%         *%                    *%                    *%           

                Separated                         15          5         10          2          3          0         10          4         11         10          5         12          3
                                                  1%         3%         1%         1%         1%         *%         6%         1%         2%         1%         2%         3%         *%
                                                                                                                   DEF                                                      M

                Divorced                          22          4         18          0          3          4         15          1         21         14          8          4         18
                                                  2%         2%         2%         *%         1%         2%        10%         *%         3%         2%         3%         1%         2%
                                                                                                                   DEF                     H

                DK/NA                             11          2          9          2          1          -          8          6          5         10          1          1         10
                                                  1%         1%         1%         1%         *%                    5%         1%         1%         1%         *%         *%         1%

                CHI-SQUARE                           <-------35.41-------> <------------------221.45-----------------> <--------31.9-------> <--------5.87-------> <-------49.45------->
                SIGNIFICANCE                                 100%*                            100%*                            100%*                  68%*                 100%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q38 Page 134

Q38 What is the current gross monthly income, before taxes and deductions, of your spouse or partner?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    442       442         -         -       356        36        49       360        82       272       170        24       199        29        20       170
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  554       554         -         -       273       143       138       372       182       423       131       113        82       120       108       131

       No income                        29        29         -         -        19         3         7        24         6        16        13         2        10         3         2        13
                                        7%        7%                            5%        9%       15%        7%        7%        6%        8%        8%        5%       10%        8%        8%

       $1 to less than $800             23        23         -         -        13         4         7        20         3        13        11         0        10         1         2        11
                                        5%        5%                            4%       10%       14%        6%        4%        5%        6%        1%        5%        4%        7%        6%
                                                                                                     E                                                                               L

       $800 to less than $1,600         47        47         -         -        31         5        11        37        10        34        13         3        25         4         2        13
                                       11%       11%                            9%       13%       23%       10%       12%       12%        8%       11%       13%       15%        7%        8%
                                                                                                     E

       $1,600 to less than              97        97         -         -        77        11         8        84        13        76        20         2        64         7         3        20
       $2,500                          22%       22%                           22%       30%       16%       23%       16%       28%       12%        9%       32%       24%       12%       12%
                                                                                                                                   K                           LOP         L

       $2,500 to less than              80        80         -         -        68         8         4        66        14        47        33         4        37         4         3        33
       $3,300                          18%       18%                           19%       22%        9%       18%       17%       17%       20%       16%       18%       13%       13%       20%
                                                                                 G         G

       $3,300 to less than              55        55         -         -        49         2         4        47         8        28        27         5        14         4         4        27
       $5,000                          12%       12%                           14%        4%        9%       13%        9%       10%       16%       23%        7%       14%       22%       16%
                                                                                 F                                                                     M                             M

       $5,000 to less than              18        18         -         -        17         0         1        12         6         9         9         3         3         2         1         9
       $6,700                           4%        4%                            5%        1%        1%        3%        7%        3%        5%       12%        2%        7%        3%        5%
                                                                                                                                                      MO

       $6,700 or more                   27        27         -         -        24         1         1        21         5        10        16         2         4         2         2        16
                                        6%        6%                            7%        4%        3%        6%        7%        4%       10%       10%        2%        7%        8%       10%
                                                                                                                                                       M                                       M

       Varies too much by month          9         9         -         -         8         1         0         2         7         5         4         0         3         -         1         4
       to say                           2%        2%                            2%        2%        1%        1%        8%        2%        2%        2%        2%                  5%        2%

       Refused                          57        57         -         -        51         2         5        46        11        35        22         2        28         2         3        22
                                       13%       13%                           14%        5%       10%       13%       13%       13%       13%        8%       14%        8%       14%       13%
                                                                                 F

       CHI-SQUARE                          <--------.0-------> <----------------40.15----------------> <------23.38------> <------25.31------> <---------------------56.74--------------------->
       SIGNIFICANCE                                 %*                           95%*                          99%                 100%                               98%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q38 Page 135

Q38 What is the current gross monthly income, before taxes and deductions, of your spouse or partner?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     442         33        408         78        173        113         78        140        302        316        116        109        329
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                   554         57        496         93        224        131        106        182        372        444        101        224        318

                No income                         29          2         27         10          3          9          6         12         17         25          4         14         15
                                                  7%         6%         7%        13%         2%         8%         8%         9%         6%         8%         3%        13%         5%

                $1 to less than $800              23          1         22          8          8          6          1         17          7         15          5          9         14
                                                  5%         3%         5%        10%         5%         6%         1%        12%         2%         5%         4%         8%         4%
                                                                                                                                I

                $800 to less than $1,600          47          2         44         10         16         14          8         14         33         34         10         13         34
                                                 11%         7%        11%        12%         9%        12%        10%        10%        11%        11%         9%        12%        10%

                $1,600 to less than               97         13         84         30         35         10         21         21         75         87         10         30         66
                $2,500                           22%        39%        21%        39%        20%         9%        27%        15%        25%        27%         9%        27%        20%
                                                                                    F                                F                                K

                $2,500 to less than               80          6         74          6         34         29         10         18         62         53         27         23         56
                $3,300                           18%        17%        18%         8%        20%        26%        13%        13%        20%        17%        23%        21%        17%
                                                                                                          D

                $3,300 to less than               55          3         52          0         29         16         10         21         33         30         24          8         46
                $5,000                           12%         9%        13%         *%        17%        14%        13%        15%        11%         9%        21%         7%        14%
                                                                                               D          D          D

                $5,000 to less than               18          2         16          1         10          2          5          7         11         14          4          1         17
                $6,700                            4%         5%         4%         2%         6%         1%         6%         5%         4%         4%         3%         *%         5%
                                                                                                                                                                                       L

                $6,700 or more                    27          1         26          2          8         10          7          4         23         19          8          2         25
                                                  6%         2%         6%         3%         4%         9%         8%         3%         8%         6%         6%         2%         8%
                                                                                                                                                                                       L

                Varies too much by month           9          0          9          4          2          1          2          3          6          5          4          0          9
                to say                            2%         1%         2%         5%         1%         1%         3%         2%         2%         2%         3%         *%         3%

                Refused                           57          4         54          6         26         16          9         22         36         35         20          9         47
                                                 13%        12%        13%         8%        15%        14%        12%        15%        12%        11%        17%         8%        14%

                CHI-SQUARE                           <--------7.01-------> <-------------------74.5------------------> <-------33.01-------> <-------30.72-------> <--------31.5------->
                SIGNIFICANCE                                  36%*                            100%*                             100%                  100%                  100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q39 Page 136

Q39 When you finished school, how much did you owe in government student loans?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       $0                                0         0         -         -         -         0         0         -         0         0         0         -         -         0         0         0
                                        *%        *%                                      *%        *%                  *%        *%        *%                            *%        *%        *%

       $1 to less than $10,000         320       320         -         -       240        56        24       248        73       208       113        11       177        11         8       113
                                       29%       29%                           30%       42%       15%       27%       43%       30%       28%       24%       32%       18%       19%       28%
                                                                                 G        EG                             H                                      NO                            NO

       $10,000 to less than            345       345         -         -       274        31        39       288        56       215       129        18       166        20        11       129
       $20,000                         31%       31%                           34%       23%       24%       31%       33%       31%       32%       39%       30%       32%       27%       32%
                                                                                FG                                                                     O

       $20,000 to less than            198       198         -         -       132        22        44       166        31       138        60         8       108        13         9        60
       $30,000                         18%       18%                           16%       16%       27%       18%       18%       20%       15%       17%       20%       20%       22%       15%
                                                                                                    EF

       $30,000 to less than            104       104         -         -        71        12        21        99         5        51        53         4        32         9         5        53
       $40,000                          9%        9%                            9%        9%       13%       11%        3%        7%       13%       10%        6%       14%       12%       13%
                                                                                                               I                             J                             M                   M

       $40,000 to less than             65        65         -         -        48         4        13        64         1        52        13         1        39         6         5        13
       $50,000                          6%        6%                            6%        3%        8%        7%        1%        7%        3%        3%        7%       10%       12%        3%
                                                                                                     F         I                                                          LP        LP

       $50,000 to less than             20        20         -         -         9         1        10        20         0        10        11         1         5         2         2        11
       $75,000                          2%        2%                            1%        1%        6%        2%        *%        1%        3%        1%        1%        4%        4%        3%
                                                                                                    EF         I

       $75,000 or more                   5         5         -         -         4         1         -         4         1         1         4         0         -         -         0         4
                                        *%        *%                            *%        1%                  *%        *%        *%        1%        1%                            1%        1%

       Don't know / refused             43        43         -         -        24         7        11        42         2        25        18         3        19         1         2        18
                                        4%        4%                            3%        5%        7%        4%        1%        4%        4%        6%        3%        2%        5%        4%
                                                                                                               I

       CHI-SQUARE                          <--------.0-------> <----------------67.72----------------> <------40.68------> <------29.21------> <---------------------52.93--------------------->
       SIGNIFICANCE                                 %*                          100%*                         100%*               100%*                               99%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q39 Page 137

Q39 When you finished school, how much did you owe in government student loans?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                $0                                 0          0          0          -          0          0          0          0          0          0          0          0          0
                                                  *%         *%         *%                    *%         *%         *%         *%         *%         *%         *%         *%         *%

                $1 to less than $10,000          320         53        267        147         69         51         53        150        170        213        103         87        230
                                                 29%        32%        29%        43%        17%        26%        34%        35%        25%        26%        38%        24%        32%
                                                                                   EF                                E          I                                J

                $10,000 to less than             345         38        307         92        147         59         47        134        211        244         96        100        240
                $20,000                          31%        23%        33%        27%        36%        29%        31%        32%        31%        30%        35%        27%        34%

                $20,000 to less than             198         23        175         59         79         33         26         55        142        170         28         80        115
                $30,000                          18%        14%        19%        17%        20%        17%        17%        13%        21%        21%        10%        22%        16%
                                                                                                                                           H          K

                $30,000 to less than             104         17         87         20         44         27         13         32         71         87         16         36         60
                $40,000                           9%        10%         9%         6%        11%        13%         8%         8%        11%        11%         6%        10%         8%

                $40,000 to less than              65          6         58          7         34         20          4         26         39         42         23         31         33
                $50,000                           6%         4%         6%         2%         9%        10%         2%         6%         6%         5%         8%         8%         5%
                                                                                              DG          D

                $50,000 to less than              20          2         19          1          9          7          4          5         16         20          0         12          8
                $75,000                           2%         1%         2%         *%         2%         4%         2%         1%         2%         2%         *%         3%         1%
                                                                                                                                                      K

                $75,000 or more                    5          1          4          -          3          1          1          4          1          5          -          5          -
                                                  *%         *%         *%                    1%         1%         *%         1%         *%         1%                    1%           

                Don't know / refused              43         25         17         19         16          2          6         17         26         33          9         14         23
                                                  4%        15%         2%         5%         4%         1%         4%         4%         4%         4%         3%         4%         3%
                                                              C

                CHI-SQUARE                           <-------73.88-------> <------------------100.2------------------> <-------26.32-------> <-------41.25-------> <-------35.12------->
                SIGNIFICANCE                                 100%*                            100%*                            100%*                 100%*                 100%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q40 Page 138

Q40 What is the total amount you currently owe on these government student loans?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       802       135       162       931       169       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1407      1407         -         -       544       420       443       998       409      1074       333       267       259       270       278       333

       $0                               98        98         -         -        93         3         1        78        19        58        40         4        49         2         3        40
                                        9%        9%                           12%        2%        1%        8%       12%        8%       10%       10%        9%        2%        7%       10%
                                                                                FG                                                                     N         N                             N

       $1 to less than $10,000         499       499         -         -       396        68        34       396       103       325       173        19       267        24        16       173
                                       45%       45%                           49%       51%       21%       43%       61%       47%       43%       40%       49%       37%       38%       43%
                                                                                 G         G                             H                                      NO

       $10,000 to less than            185       185         -         -       115        25        45       157        28       117        68        11        78        16        11        68
       $20,000                         17%       17%                           14%       19%       28%       17%       17%       17%       17%       24%       14%       26%       27%       17%
                                                                                                    EF                                                 M                  MP        MP

       $20,000 to less than            152       152         -         -        96        21        35       141        10        88        64         5        67        10         5        64
       $30,000                         14%       14%                           12%       16%       21%       15%        6%       13%       16%       11%       12%       16%       13%       16%
                                                                                                     E         I

       $30,000 to less than             72        72         -         -        42         9        22        71         1        58        14         2        48         5         3        14
       $40,000                          7%        7%                            5%        6%       13%        8%        1%        8%        3%        4%        9%        7%        8%        3%
                                                                                                    EF         I                   K                             P

       $40,000 to less than             24        24         -         -         9         3        13        24         1        14        10         1         8         4         1        10
       $50,000                          2%        2%                            1%        2%        8%        3%        *%        2%        2%        3%        1%        7%        2%        2%
                                                                                                    EF                                                                   MOP

       $50,000 to less than             10        10         -         -         3         1         6         9         1         5         5         0         4         1         1         5
       $75,000                          1%        1%                            *%        1%        4%        1%        *%        1%        1%        *%        1%        1%        1%        1%
                                                                                                    EF

       $75,000 or more                   1         1         -         -         -         1         0         1         1         0         1         -         -         0         -         1
                                        *%        *%                                      1%        *%        *%        *%        *%        *%                            *%                  *%

       Don't know / refused             59        59         -         -        48         4         7        54         5        33        26         3        25         2         2        26
                                        5%        5%                            6%        3%        4%        6%        3%        5%        7%        7%        5%        3%        5%        7%

       CHI-SQUARE                          <--------.0-------> <----------------142.59---------------> <------37.87------> <------16.94------> <---------------------43.57--------------------->
       SIGNIFICANCE                                 %*                          100%*                         100%*                97%*                               92%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q40 Page 139

Q40 What is the total amount you currently owe on these government student loans?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        343        402        201        153        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1407        227       1179        431        508        251        217        521        886       1165        230        675        693

                $0                                98         12         86         32         32         18         15         36         61         75         20          7         90
                                                  9%         7%         9%         9%         8%         9%        10%         9%         9%         9%         7%         2%        13%
                                                                                                                                                                                       L

                $1 to less than $10,000          499         82        417        171        165         91         72        214        284        334        160        130        360
                                                 45%        49%        45%        50%        41%        45%        47%        51%        42%        41%        58%        36%        51%
                                                                                                                                                                 J                     L

                $10,000 to less than             185         23        163         65         65         29         26         61        125        148         36         84         96
                $20,000                          17%        14%        17%        19%        16%        14%        17%        14%        18%        18%        13%        23%        14%
                                                                                                                                                                            M

                $20,000 to less than             152         23        128         43         51         38         20         47        105        126         25         60         84
                $30,000                          14%        14%        14%        13%        13%        19%        13%        11%        15%        16%         9%        16%        12%

                $30,000 to less than              72         13         59          9         42         16          4         28         44         54         18         37         32
                $40,000                           7%         8%         6%         3%        11%         8%         3%         7%         7%         7%         7%        10%         5%
                                                                                              DG                                                                            M

                $40,000 to less than              24          3         21          6         10          6          3          7         17         24          0         18          5
                $50,000                           2%         2%         2%         2%         2%         3%         2%         2%         3%         3%         *%         5%         1%
                                                                                                                                                      K                     M

                $50,000 to less than              10          1          9          0          7          2          1          7          3         10          0          8          2
                $75,000                           1%         1%         1%         *%         2%         1%         *%         2%         *%         1%         *%         2%         *%

                $75,000 or more                    1          1          1          -          0          1          1          1          1          1          -          1          0
                                                  *%         *%         *%                    *%         *%         *%         *%         *%         *%                    *%         *%

                Don't know / refused              59          7         51         16         30          1         12         22         36         42         16         19         40
                                                  5%         4%         5%         5%         7%         1%         8%         5%         5%         5%         6%         5%         6%
                                                                                               F                     F

                CHI-SQUARE                           <--------5.1--------> <-------------------54.2------------------> <--------14.8-------> <-------34.54-------> <-------103.72------>
                SIGNIFICANCE                                  25%*                            100%*                             94%*                 100%*                 100%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q41 Page 140

Q41 When you finished school, how much did you owe to banks or other financial institutions?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       $0                              332       332         -         -       237        44        51       275        56       216       116        12       163        23        18       116
                                       30%       30%                           30%       33%       31%       30%       33%       31%       29%       26%       30%       36%       44%       29%
                                                                                                                                                                                   LMP

       $1 to less than $10,000         408       408         -         -       283        57        68       348        60       252       156        17       202        21        12       156
                                       37%       37%                           35%       42%       42%       37%       36%       36%       39%       36%       37%       33%       29%       39%

       $10,000 to less than            191       191         -         -       152        17        23       165        26       129        62         5       112         9         4        62
       $20,000                         17%       17%                           19%       13%       14%       18%       15%       19%       15%       11%       20%       14%        9%       15%
                                                                                                                                                                LO

       $20,000 to less than             56        56         -         -        38         7        11        48         8        33        23         6        23         2         2        23
       $30,000                          5%        5%                            5%        5%        7%        5%        5%        5%        6%       12%        4%        4%        4%        6%
                                                                                                                                                    MNOP

       $30,000 to less than             28        28         -         -        25         1         2        24         4        17        12         2        11         2         2        12
       $40,000                          3%        3%                            3%        1%        1%        3%        2%        2%        3%        4%        2%        3%        4%        3%
                                                                                 F

       $40,000 to less than             23        23         -         -        20         2         1        23         1        14         9         2        12         1         0         9
       $50,000                          2%        2%                            2%        2%        1%        2%        *%        2%        2%        3%        2%        2%        *%        2%
                                                                                                               I                                       O

       $50,000 to less than              3         3         -         -         3         0         1         1         2         3         0         0         2         0         1         0
       $75,000                          *%        *%                            *%        *%        *%        *%        1%        *%        *%        1%        *%        *%        2%        *%

       $75,000 or more                  19        19         -         -        16         1         2        13         6        12         7         1         9         2         0         7
                                        2%        2%                            2%        1%        1%        1%        4%        2%        2%        1%        2%        4%        1%        2%

       Don't know / refused             41        41         -         -        30         5         6        34         6        23        17         3        15         3         3        17
                                        4%        4%                            4%        4%        3%        4%        4%        3%        4%        5%        3%        5%        7%        4%

       CHI-SQUARE                          <--------.0-------> <----------------15.68----------------> <------14.18------> <-------4.48------> <---------------------29.57--------------------->
       SIGNIFICANCE                                 %*                           10%*                          92%*                19%                                41%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q41 Page 141

Q41 When you finished school, how much did you owe to banks or other financial institutions?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                $0                               332         56        276        133        114         41         44        128        204        240         87         94        228
                                                 30%        34%        30%        39%        28%        20%        29%        30%        30%        29%        32%        26%        32%
                                                                                    F

                $1 to less than $10,000          408         48        360        125        158         74         51        166        242        316         87        170        232
                                                 37%        29%        39%        36%        39%        37%        33%        39%        36%        39%        32%        47%        33%
                                                                                                                                                                            M

                $10,000 to less than             191         29        163         50         79         29         33         68        124        125         66         47        141
                $20,000                          17%        17%        17%        15%        20%        14%        22%        16%        18%        15%        24%        13%        20%
                                                                                                                                                                                       L

                $20,000 to less than              56          9         47         17         17         13          9         19         37         52          4         24         30
                $30,000                           5%         5%         5%         5%         4%         7%         6%         5%         5%         6%         2%         7%         4%
                                                                                                                                                      K

                $30,000 to less than              28          1         27          1          9         13          5         18         10         24          4          9         18
                $40,000                           3%         1%         3%         *%         2%         6%         3%         4%         2%         3%         1%         3%         3%
                                                                                                          D

                $40,000 to less than              23          0         23          1          8         14          1          7         16          8         15          9         14
                $50,000                           2%         *%         2%         *%         2%         7%         1%         2%         2%         1%         5%         3%         2%
                                                                         B                                D

                $50,000 to less than               3          0          3          -          1          2          1          1          2          1          2          0          3
                $75,000                           *%         *%         *%                    *%         1%         *%         *%         *%         *%         1%         *%         *%

                $75,000 or more                   19          2         16          1          3         12          3          3         16         18          1          3         16
                                                  2%         2%         2%         *%         1%         6%         2%         1%         2%         2%         *%         1%         2%
                                                                                                          D                                           K

                Don't know / refused              41         19         20         16         14          3          8         14         26         30          9          8         27
                                                  4%        12%         2%         5%         3%         2%         5%         3%         4%         4%         3%         2%         4%
                                                              C

                CHI-SQUARE                           <-------45.42-------> <------------------109.86-----------------> <-------14.73-------> <-------49.07-------> <-------31.09------->
                SIGNIFICANCE                                 100%*                            100%*                             94%                  100%*                  100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q42 Page 142

Q42 What is the total amount you currently owe to banks or other financial institutions? Is it...?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    768       768         -         -       565        91       112       655       113       482       286        34       384        40        23       286
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  955       955         -         -       366       295       294       682       273       710       245       186       174       179       171       245

       $0                               83        83         -         -        63         9        11        73         9        49        34         4        36         5         4        34
                                       11%       11%                           11%       10%       10%       11%        8%       10%       12%       11%        9%       13%       16%       12%

       $1 to less than $10,000         352       352         -         -       245        50        57       306        46       233       119        10       200        16         7       119
                                       46%       46%                           43%       54%       51%       47%       41%       48%       42%       30%       52%       39%       30%       42%
                                                                                                                                                               LNO

       $10,000 to less than            113       113         -         -        81        15        17        99        14        78        34         6        60         9         4        34
       $20,000                         15%       15%                           14%       17%       15%       15%       12%       16%       12%       18%       16%       21%       16%       12%

       $20,000 to less than             69        69         -         -        51         6        12        59        10        34        35         5        24         3         2        35
       $30,000                          9%        9%                            9%        7%       11%        9%        9%        7%       12%       15%        6%        6%        9%       12%
                                                                                                                                                      MN

       $30,000 to less than             30        30         -         -        25         1         4        30         1        14        16         2        12         1         0        16
       $40,000                          4%        4%                            4%        2%        3%        5%        1%        3%        6%        5%        3%        2%        1%        6%
                                                                                                               I                                                                               O

       $40,000 to less than              8         8         -         -         6         2         0         6         2         5         4         1         3         0         1         4
       $50,000                          1%        1%                            1%        2%        *%        1%        2%        1%        1%        3%        1%        1%        3%        1%

       $50,000 to less than              5         5         -         -         3         -         2         4         1         3         2         0         1         1         1         2
       $75,000                          1%        1%                            1%                  1%        1%        1%        1%        1%        1%        *%        2%        4%        1%

       $75,000 or more                  69        69         -         -        60         4         5        46        23        40        30         4        30         4         2        30
                                        9%        9%                           11%        5%        5%        7%       20%        8%       10%       11%        8%        9%        8%       10%
                                                                                 G                                       H

       Don't know / refused             39        39         -         -        30         4         5        32         7        27        12         3        18         3         3        12
                                        5%        5%                            5%        4%        4%        5%        6%        6%        4%        7%        5%        7%       12%        4%
                                                                                                                                                                                     P

       CHI-SQUARE                          <--------.0-------> <----------------14.81----------------> <------25.56------> <------14.98------> <---------------------38.63--------------------->
       SIGNIFICANCE                                 %*                           7%*                          100%*                94%                                81%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q42 Page 143

Q42 What is the total amount you currently owe to banks or other financial institutions? Is it...?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     768        109        658        211        288        160        110        296        473        574        188        271        481
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                   955        159        795        263        341        193        158        356        599        795        152        475        452

                $0                                83         13         70         39         22         11         11         37         46         71          9         26         55
                                                 11%        12%        11%        19%         8%         7%        10%        12%        10%        12%         5%        10%        11%
                                                                                   EF                                                                 K

                $1 to less than $10,000          352         44        308        110        145         56         41        145        207        263         88        142        205
                                                 46%        41%        47%        52%        50%        35%        37%        49%        44%        46%        47%        52%        43%
                                                                                    F

                $10,000 to less than             113         28         85         31         34         31         16         40         73         85         28         40         69
                $20,000                          15%        25%        13%        15%        12%        20%        15%        13%        15%        15%        15%        15%        14%

                $20,000 to less than              69          6         63          8         26         17         18         15         54         50         19         25         42
                $30,000                           9%         6%        10%         4%         9%        10%        17%         5%        11%         9%        10%         9%         9%
                                                                                                                     D                     H

                $30,000 to less than              30          2         29          6         15          8          2         14         16         13         17          8         22
                $40,000                           4%         2%         4%         3%         5%         5%         2%         5%         3%         2%         9%         3%         5%

                $40,000 to less than               8          1          8          1          2          3          3          5          3          3          6          5          3
                $50,000                           1%         1%         1%         *%         1%         2%         3%         2%         1%         *%         3%         2%         1%

                $50,000 to less than               5          1          4          1          2          2          0          2          3          5          -          2          3
                $75,000                           1%         1%         1%         *%         1%         1%         *%         1%         1%         1%                    1%         1%

                $75,000 or more                   69          5         64          6         22         29         13         26         43         52         17         15         54
                                                  9%         5%        10%         3%         7%        18%        11%         9%         9%         9%         9%         6%        11%
                                                                                                          D

                Don't know / refused              39          9         29         10         20          4          6         12         27         33          4          8         27
                                                  5%         8%         4%         5%         7%         2%         5%         4%         6%         6%         2%         3%         6%

                CHI-SQUARE                           <--------19.2-------> <------------------85.69------------------> <-------15.51-------> <-------39.35-------> <-------15.31------->
                SIGNIFICANCE                                  99%*                            100%*                             95%                   100%                  95%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q43 Page 144

Q43 How big an impact do you think this would have on their credit rating? Do you think it would have...?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       No impact at all                 19        19         -         -        14         2         3        15         4         9         9         0         7         1         1         9
                                        2%        2%                            2%        1%        2%        2%        2%        1%        2%        *%        1%        1%        3%        2%

       A small impact                   57        57         -         -        48         5         4        46        12        30        27         2        22         4         1        27
                                        5%        5%                            6%        4%        3%        5%        7%        4%        7%        5%        4%        7%        4%        7%

       A moderate impact               316       316         -         -       255        32        30       270        46       202       115        12       167        11        11       115
                                       29%       29%                           32%       24%       18%       29%       27%       29%       28%       26%       31%       18%       27%       28%
                                                                                 G                                                                               N                   N         N

       A big impact                    685       685         -         -       474        94       117       582       102       442       242        31       339        46        26       242
                                       62%       62%                           59%       69%       72%       63%       60%       63%       60%       65%       62%       73%       64%       60%
                                                                                           E         E                                                                    MP

       DK/NA                            23        23         -         -        12         2         9        18         6        14         9         2        11         1         1         9
                                        2%        2%                            2%        2%        5%        2%        3%        2%        2%        4%        2%        1%        2%        2%
                                                                                                    EF

       CHI-SQUARE                          <--------.0-------> <----------------27.52----------------> <-------3.06------> <-------4.74------> <---------------------11.77--------------------->
       SIGNIFICANCE                                 %*                           99%*                          45%                 68%                                24%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q43 Page 145

Q43 How big an impact do you think this would have on their credit rating? Do you think it would have...?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                No impact at all                  19          6         13          4         10          4          1         12          7         15          4          7         12
                                                  2%         4%         1%         1%         2%         2%         1%         3%         1%         2%         1%         2%         2%

                A small impact                    57          5         52         19         19         13          6         22         35         32         25          8         46
                                                  5%         3%         6%         6%         5%         6%         4%         5%         5%         4%         9%         2%         7%
                                                                                                                                                                                       L

                A moderate impact                316         49        267        104        121         55         36        133        184        246         67         98        209
                                                 29%        30%        29%        30%        30%        27%        23%        31%        27%        30%        24%        27%        29%

                A big impact                     685        100        585        213        243        122        106        248        436        502        175        240        431
                                                 62%        60%        63%        62%        61%        61%        69%        59%        64%        62%        64%        66%        61%

                DK/NA                             23          5         17          3          9          7          5          8         16         19          4         12         11
                                                  2%         3%         2%         1%         2%         3%         3%         2%         2%         2%         1%         3%         2%

                CHI-SQUARE                           <--------7.74-------> <-------------------11.9------------------> <--------8.48-------> <-------14.62-------> <-------14.62------->
                SIGNIFICANCE                                  90%                              55%                              92%                   99%                   99%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q44 Page 146

Q44 How much of their current total do you think they would be required to repay?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       Nothing                          15        15         -         -        11         1         4        14         1         9         6         0         8         1         0         6
                                        1%        1%                            1%        1%        2%        2%        *%        1%        1%        1%        1%        2%        *%        1%

       More than zero but less         159       159         -         -       114        25        21       131        28       101        59         4        86         7         4        59
       than the full amount            14%       14%                           14%       18%       13%       14%       16%       14%       15%        7%       16%       11%       10%       15%
                                                                                                                                                                 L                             L

       The full amount                 478       478         -         -       348        58        71       401        77       295       183        25       218        30        21       183
                                       43%       43%                           43%       43%       44%       43%       46%       42%       46%       54%       40%       48%       51%       46%
                                                                                                                                                       M                             M

       The full amount plus a          260       260         -         -       195        31        34       229        32       167        93        11       134        15         7        93
       penalty                         24%       24%                           24%       23%       21%       25%       19%       24%       23%       24%       24%       23%       18%       23%

       DK/NA                           188       188         -         -       135        20        33       156        32       127        61         6       102        10         8        61
                                       17%       17%                           17%       15%       20%       17%       19%       18%       15%       14%       19%       16%       20%       15%

       CHI-SQUARE                          <--------.0-------> <-----------------5.53----------------> <-------4.45------> <-------2.07------> <---------------------11.07--------------------->
       SIGNIFICANCE                                 %*                           6%*                           65%                 28%                                20%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q44 Page 147

Q44 How much of their current total do you think they would be required to repay?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                Nothing                           15          1         14          1          7          4          2          9          6         14          1         10          5
                                                  1%         *%         2%         *%         2%         2%         2%         2%         1%         2%         *%         3%         1%

                More than zero but less          159         26        133         40         56         40         23         60        100        108         48         70         87
                than the full amount             14%        16%        14%        12%        14%        20%        15%        14%        15%        13%        17%        19%        12%

                The full amount                  478         60        418        143        182         82         72        191        287        356        119        162        310
                                                 43%        37%        45%        42%        45%        41%        47%        45%        42%        44%        43%        44%        44%

                The full amount plus a           260         53        207        103         79         43         35         91        169        189         68         67        180
                penalty                          24%        32%        22%        30%        20%        21%        23%        22%        25%        23%        25%        18%        25%
                                                                                    E

                DK/NA                            188         25        161         57         78         31         22         73        115        147         40         56        128
                                                 17%        15%        17%        17%        19%        15%        14%        17%        17%        18%        15%        15%        18%

                CHI-SQUARE                           <--------9.81-------> <-------------------23.5------------------> <--------4.07-------> <--------6.93-------> <-------22.61------->
                SIGNIFICANCE                                  96%                              98%                              60%                   86%                   100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q45 Page 148

Q45 How big an impact do you think this would have on their credit rating? Do you think it would have...?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       No impact at all                  3         3         -         -         3         -         0         3         0         0         3         -         -         -         0         3
                                        *%        *%                            *%                  *%        *%        *%        *%        1%                                      1%        1%

       A small impact                   16        16         -         -        10         3         3        15         2        10         6         0         9         1         0         6
                                        1%        1%                            1%        2%        2%        2%        1%        1%        1%        1%        2%        1%        *%        1%

       A moderate impact               150       150         -         -       119        15        16       124        26        87        63         7        68         8         5        63
                                       14%       14%                           15%       11%       10%       13%       16%       12%       16%       14%       13%       12%       11%       16%

       A big impact                    925       925         -         -       668       117       140       785       140       598       327        40       468        54        36       327
                                       84%       84%                           83%       87%       86%       84%       83%       86%       81%       85%       85%       87%       88%       81%

       DK/NA                             5         5         -         -         2         0         3         4         1         3         3         0         2         0         0         3
                                        *%        *%                            *%        *%        2%        *%        1%        *%        1%        1%        *%        *%        *%        1%

       CHI-SQUARE                          <--------.0-------> <----------------13.23----------------> <-------1.57------> <-------7.67------> <----------------------9.5---------------------->
       SIGNIFICANCE                                 %*                           65%*                          19%*                90%*                               11%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q45 Page 149

Q45 How big an impact do you think this would have on their credit rating? Do you think it would have...?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                No impact at all                   3          -          3          0          3          -          -          3          -          3          -          3          0
                                                  *%                    *%         *%         1%                               1%                    *%                    1%         *%

                A small impact                    16          6         10         13          2          1          0          6         10         11          5          4          9
                                                  1%         4%         1%         4%         1%         *%         *%         1%         2%         1%         2%         1%         1%
                                                                                    G

                A moderate impact                150         23        128         59         52         24         15         69         81        113         33         31        113
                                                 14%        14%        14%        17%        13%        12%        10%        16%        12%        14%        12%         9%        16%
                                                                                                                                                                                       L

                A big impact                     925        135        791        270        344        176        135        343        583        685        234        323        585
                                                 84%        82%        85%        79%        86%        87%        88%        81%        86%        84%        85%        89%        82%

                DK/NA                              5          2          2          1          -          1          3          2          3          3          3          2          3
                                                  *%         1%         *%         *%                    *%         2%         *%         1%         *%         1%         1%         *%

                CHI-SQUARE                           <--------9.63-------> <------------------41.67------------------> <--------9.98-------> <--------4.29-------> <--------16.1------->
                SIGNIFICANCE                                  95%*                            100%*                             96%*                  63%*                 100%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q46 Page 150

Q46 How much of their current total do you think they would be required to repay?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       Nothing                          18        18         -         -        15         2         0        15         3         8        10         0         6         1         0        10
                                        2%        2%                            2%        2%        *%        2%        2%        1%        2%        1%        1%        2%        *%        2%

       More than zero but less         172       172         -         -       120        27        26       149        23       112        61         5        98         4         4        61
       than the full amount            16%       16%                           15%       20%       16%       16%       14%       16%       15%       11%       18%        7%        9%       15%
                                                                                                                                                                NO                             N

       The full amount                 478       478         -         -       357        52        69       401        77       296       182        25       221        30        21       182
                                       43%       43%                           44%       38%       43%       43%       45%       42%       45%       53%       40%       47%       51%       45%
                                                                                                                                                       M

       The full amount plus a          327       327         -         -       240        43        43       283        44       216       111        14       170        21        11       111
       penalty                         30%       30%                           30%       32%       27%       30%       26%       31%       28%       30%       31%       34%       26%       28%

       DK/NA                           106       106         -         -        70        11        24        82        23        67        39         3        52         7         5        39
                                       10%       10%                            9%        8%       15%        9%       14%       10%       10%        5%        9%       11%       13%       10%
                                                                                                     F                                                                               L

       CHI-SQUARE                          <--------.0-------> <----------------11.84----------------> <-------5.32------> <-------4.25------> <---------------------16.01--------------------->
       SIGNIFICANCE                                 %*                           54%*                          74%                 63%                                55%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q46 Page 151

Q46 How much of their current total do you think they would be required to repay?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                Nothing                           18          0         18          2          7          6          3          8         10         17          0          5         13
                                                  2%         *%         2%         1%         2%         3%         2%         2%         1%         2%         *%         1%         2%
                                                                         B                                                                            K

                More than zero but less          172         26        146         54         48         44         27         78         94        121         47         73         98
                than the full amount             16%        16%        16%        16%        12%        22%        17%        18%        14%        15%        17%        20%        14%

                The full amount                  478         63        416        146        186         85         61        166        312        368        105        173        302
                                                 43%        38%        44%        43%        46%        42%        40%        39%        46%        45%        38%        47%        43%

                The full amount plus a           327         57        270        111        117         51         49        123        203        228         98         91        220
                penalty                          30%        34%        29%        32%        29%        25%        32%        29%        30%        28%        35%        25%        31%

                DK/NA                            106         20         85         31         45         16         14         48         58         80         25         24         77
                                                 10%        12%         9%         9%        11%         8%         9%        11%         9%        10%         9%         7%        11%

                CHI-SQUARE                           <--------6.97-------> <------------------18.74------------------> <--------8.69-------> <-------11.93-------> <--------15.1------->
                SIGNIFICANCE                                  86%                              90%                              93%                   98%                   100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q47 Page 152

Q47 If you owed the same amount on the following loans but could not afford to repay them all, which would you stop paying first?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       Credit card                     244       244         -         -       172        38        34       198        47       156        88        12       117        18        10        88
                                       22%       22%                           21%       28%       21%       21%       28%       22%       22%       25%       21%       28%       23%       22%

       Rent or home mortgage            23        23         -         -        15         3         4        17         6        15         8         0        11         3         1         8
                                        2%        2%                            2%        2%        3%        2%        3%        2%        2%        *%        2%        4%        2%        2%
                                                                                                                                                                           L

       Car loan                        142       142         -         -        85        23        34       113        29        81        61         8        59         9         5        61
                                       13%       13%                           11%       17%       21%       12%       17%       12%       15%       17%       11%       15%       13%       15%
                                                                                                     E

       Government student loan         508       508         -         -       381        59        68       452        56       322       186        16       264        23        19       186
                                       46%       46%                           48%       43%       42%       49%       33%       46%       46%       35%       48%       36%       46%       46%
                                                                                                               I                                                LN                   L         L

       Student loan from bank           61        61         -         -        48         4         8        43        18        38        23         6        26         4         3        23
       or other financial               6%        6%                            6%        3%        5%        5%       10%        5%        6%       12%        5%        6%        7%        6%
       institution                                                                                                                                    MP

       DK/NA                           123       123         -         -       100         9        14       108        15        86        37         5        70         7         4        37
                                       11%       11%                           12%        6%        9%       12%        9%       12%        9%       11%       13%       11%       10%        9%
                                                                                 F

       CHI-SQUARE                          <--------.0-------> <----------------23.63----------------> <------24.67------> <-------4.67------> <---------------------18.39--------------------->
       SIGNIFICANCE                                 %*                           93%*                          100%                54%                                44%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q47 Page 153

Q47 If you owed the same amount on the following loans but could not afford to repay them all, which would you stop paying first?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                Credit card                      244         44        201         87         81         50         27         97        147        185         59         93        147
                                                 22%        27%        21%        25%        20%        25%        17%        23%        22%        23%        21%        26%        21%

                Rent or home mortgage             23          4         18          4         15          2          1         11         11         18          4          8         15
                                                  2%         3%         2%         1%         4%         1%         1%         3%         2%         2%         2%         2%         2%

                Car loan                         142         25        117         50         53         25         13         58         84        107         31         48         92
                                                 13%        15%        13%        15%        13%        13%         9%        14%        12%        13%        11%        13%        13%

                Government student loan          508         74        434        142        196         94         75        194        314        374        129        175        314
                                                 46%        45%        46%        41%        49%        47%        49%        46%        46%        46%        47%        48%        44%

                Student loan from bank            61          8         53         21         16         11         13         29         32         43         17         13         47
                or other financial                6%         5%         6%         6%         4%         6%         9%         7%         5%         5%         6%         4%         7%
                institution              

                DK/NA                            123         10        112         40         41         18         24         33         90         87         36         27         95
                                                 11%         6%        12%        12%        10%         9%        15%         8%        13%        11%        13%         7%        13%
                                                                                                                                                                                       L

                CHI-SQUARE                           <--------7.72-------> <------------------26.89------------------> <-------11.29-------> <--------2.53-------> <-------14.47------->
                SIGNIFICANCE                                  83%                              97%                              95%                   23%                   99%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q48 Page 154

Q48 Which would you stop paying second?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       Credit card                     234       234         -         -       145        40        49       193        41       157        77        15       120        12        10        77
                                       21%       21%                           18%       30%       30%       21%       24%       23%       19%       32%       22%       20%       24%       19%
                                                                                           E         E                                               MNP

       Rent or home mortgage            37        37         -         -        25         6         5        35         2        20        17         1        16         1         1        17
                                        3%        3%                            3%        5%        3%        4%        1%        3%        4%        3%        3%        2%        3%        4%
                                                                                                               I

       Car loan                        191       191         -         -       153        18        20       170        21       133        58         8       108        11         6        58
                                       17%       17%                           19%       13%       12%       18%       12%       19%       14%       18%       20%       18%       13%       14%
                                                                                 G

       Government student loan         175       175         -         -       127        23        26       144        31        92        84         5        68        12         7        84
                                       16%       16%                           16%       17%       16%       15%       18%       13%       21%       10%       12%       19%       17%       21%
                                                                                                                                             J                             L                  LM

       Student loan from bank          309       309         -         -       231        37        40       259        50       194       115        13       151        18        13       115
       or other financial              28%       28%                           29%       28%       24%       28%       30%       28%       28%       27%       28%       28%       31%       28%
       institution              

       DK/NA                           154       154         -         -       121        11        23       130        24       102        52         5        84         9         5        52
                                       14%       14%                           15%        8%       14%       14%       14%       15%       13%       10%       15%       14%       12%       13%
                                                                                 F                   F

       CHI-SQUARE                          <--------.0-------> <----------------25.83----------------> <-------7.96------> <------15.92------> <---------------------22.79--------------------->
       SIGNIFICANCE                                 %*                           96%*                          84%                 99%                                70%

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q48 Page 155

Q48 Which would you stop paying second?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                Credit card                      234         40        195         82         80         44         28         97        137        194         40        102        127
                                                 21%        24%        21%        24%        20%        22%        18%        23%        20%        24%        14%        28%        18%
                                                                                                                                                      K                     M

                Rent or home mortgage             37         11         26         14         14          6          2         15         22         31          6         15         18
                                                  3%         6%         3%         4%         3%         3%         2%         4%         3%         4%         2%         4%         3%

                Car loan                         191         25        166         71         75         20         25         81        110        147         44         65        123
                                                 17%        15%        18%        21%        19%        10%        16%        19%        16%        18%        16%        18%        17%
                                                                                    F

                Government student loan          175         41        135         43         74         35         24         70        105        132         40         53        121
                                                 16%        25%        14%        13%        18%        17%        15%        17%        16%        16%        14%        14%        17%

                Student loan from bank           309         36        273         82        107         74         46        117        192        206         97         91        206
                or other financial               28%        22%        29%        24%        27%        37%        30%        28%        28%        25%        35%        25%        29%
                institution              

                DK/NA                            154         14        139         51         53         22         28         43        111        105         49         40        114
                                                 14%         8%        15%        15%        13%        11%        18%        10%        16%        13%        18%        11%        16%

                CHI-SQUARE                           <-------22.86-------> <------------------28.71------------------> <--------9.31-------> <-------22.05-------> <--------20.3------->
                SIGNIFICANCE                                  100%                             98%                              90%                   100%                  100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q49 Page 156

Q49 With respect to your most recent student loan-funded diploma or degree program, which of the following statements best describes your situation?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       You graduated from your         842       842         -         -       665        74       103       697       145       539       303        38       420        49        32       303
       program                         77%       77%                           83%       55%       63%       75%       85%       77%       75%       80%       77%       78%       77%       75%
                                                                                FG                                       H

       You quit your program            78        78         -         -        54        12        12        64        14        38        40         3        28         4         3        40
                                        7%        7%                            7%        9%        7%        7%        8%        5%       10%        7%        5%        7%        7%       10%

       You are taking time off          89        89         -         -        46        25        19        85         4        67        22         3        54         6         4        22
       school, but plan to              8%        8%                            6%       18%       11%        9%        2%       10%        5%        7%       10%        9%       10%        5%
       finish later                                                                        E         E         I

       You are still taking             42        42         -         -        25         9         9        39         3        22        20         1        18         2         1        20
       your program part-time           4%        4%                            3%        6%        5%        4%        2%        3%        5%        3%        3%        3%        1%        5%
                                                                                                                                                                                               O

       You are still taking             43        43         -         -        10        15        18        40         4        31        12         2        26         1         2        12
       your program full-time           4%        4%                            1%       11%       11%        4%        2%        4%        3%        4%        5%        2%        4%        3%
                                                                                           E         E

       Other                             4         4         -         -         3         0         1         4         0         0         4         -         -         0         0         4
                                        *%        *%                            *%        *%        1%        *%        *%        *%        1%                            *%        *%        1%

       DK/NA                             1         1         -         -         -         -         1         1         -         1         -         -         1         -         -         -
                                        *%        *%                                                1%        *%                  *%                            *%                              

       CHI-SQUARE                          <--------.0-------> <----------------110.5----------------> <------15.26------> <------22.75------> <----------------------26.4--------------------->
       SIGNIFICANCE                                 %*                          100%*                          98%*               100%*                               67%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q49 Page 157

Q49 With respect to your most recent student loan-funded diploma or degree program, which of the following statements best describes your situation?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                You graduated from your          842         79        763        208        332        170        133        300        543        618        215        251        579
                program                          77%        48%        82%        60%        83%        84%        86%        71%        80%        76%        78%        69%        82%
                                                                         B                     D          D          D                     H                                           L

                You quit your program             78         10         68         35         25         13          5         34         45         48         30         27         51
                                                  7%         6%         7%        10%         6%         7%         3%         8%         7%         6%        11%         7%         7%
                                                                                    G

                You are taking time off           89          5         84         53         20         10          6         48         41         73         16         47         40
                school, but plan to               8%         3%         9%        15%         5%         5%         4%        11%         6%         9%         6%        13%         6%
                finish later                                             B        EFG                                                                                       M

                You are still taking              42         31         11         17         15          5          5         21         21         32          8         18         21
                your program part-time            4%        19%         1%         5%         4%         3%         3%         5%         3%         4%         3%         5%         3%
                                                              C

                You are still taking              43         40          3         28         10          2          3         18         25         37          7         21         12
                your program full-time            4%        24%         *%         8%         2%         1%         2%         4%         4%         5%         2%         6%         2%
                                                              C                   EFG                                                                                       M

                Other                              4          0          4          1          0          0          3          1          3          4          0          1          4
                                                  *%         *%         *%         *%         *%         *%         2%         *%         *%         1%         *%         *%         1%

                DK/NA                              1          -          -          1          -          -          -          1          -          1          -          -          1
                                                  *%                               *%                                          *%                    *%                               *%

                CHI-SQUARE                           <-------346.62------> <------------------99.09------------------> <-------17.39-------> <-------14.52-------> <--------36.7------->
                SIGNIFICANCE                                 100%*                            100%*                             99%*                  98%*                 100%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q50 Page 158

Q50 What is the highest level of education that you have completed?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       Some high school                  5         1         4         4         -         1         0         1         5         1         4         0         -         1         0         4
                                        *%        *%        1%        1%                  1%        *%        *%        2%        *%        1%        *%                  1%        *%        1%

       Graduated high school           223        64       159       159        34        12        18       193        30       172        51         4       153         9         5        51
                                       12%        6%       21%       21%        4%        9%       11%       12%       12%       14%        8%        7%       15%       10%        9%        8%
                                                             B       EFG                             E                             K                           LOP

       Some vocational/                144        54        91        91        30        16         7       121        23        93        51         4        79         5         5        51
       technical/college/CEGEP          8%        5%       12%       12%        4%       12%        5%        7%       10%        8%        8%        6%        8%        6%        9%        8%
                                                             B        EG                  EG

       Graduated vocational/           459       379        80        80       284        48        47       334       125       318       141        18       254        30        16       141
       technical/college/CEGEP         25%       34%       11%       11%       35%       35%       29%       21%       52%       26%       22%       27%       25%       32%       29%       22%
                                                   C                             D         D         D                   H                                                 P

       Some university                 374       116       258       258        74        27        15       356        18       247       127        11       211        16         9       127
                                       20%       11%       34%       34%        9%       20%        9%       22%        7%       20%       20%       17%       21%       17%       16%       20%
                                                             B       EFG                  EG                   I

       Graduated university            478       364       114       114       279        26        59       457        21       296       182        22       233        24        16       182
                                       26%       33%       15%       15%       35%       19%       36%       28%        9%       24%       29%       33%       23%       26%       29%       29%
                                                   C                            DF                  DF         I                                       M

       Post-graduate or                168       122        47        47       101         5        16       149        19        98        71         7        77         9         5        71
       professional degree              9%       11%        6%        6%       13%        4%       10%        9%        8%        8%       11%       11%        8%        9%        8%       11%
                                                   C                            DF                   F

       Refused                           1         1         -         -         -         -         1         1         0         1         -         -         1         0         0         -
                                        *%        *%                                                1%        *%        *%        *%                            *%        *%        *%          

       CHI-SQUARE                          <------414.94-----> <----------------477.04---------------> <------164.74-----> <------29.34------> <---------------------46.29--------------------->
       SIGNIFICANCE                               100%*                         100%*                         100%*               100%*                               98%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q50 Page 159

Q50 What is the highest level of education that you have completed?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                Some high school                   5          2          4          3          0          0          2          1          5          4          1          1          0
                                                  *%         *%         *%         *%         *%         *%         1%         *%         *%         *%         *%         *%         *%

                Graduated high school            223        172         51        196         13          5          8        118        105        139         78         29         34
                                                 12%        21%         5%        23%         3%         2%         4%        15%        10%        10%        16%         8%         5%
                                                              C                   EFG

                Some vocational/                 144         97         47         93         26         19          6         80         65         98         45         24         29
                technical/college/CEGEP           8%        12%         5%        11%         5%         7%         3%        10%         6%         7%         9%         7%         4%
                                                              C                    EG

                Graduated vocational/            459         92        367        147        152         86         73        169        290        347        106        114        260
                technical/college/CEGEP          25%        11%        36%        17%        31%        31%        34%        21%        27%        26%        22%        31%        37%
                                                                         B                     D          D          D

                Some university                  374        292         82        266         65         24         19        165        209        266         94         44         62
                                                 20%        36%         8%        31%        13%         9%         9%        21%        20%        20%        19%        12%         9%
                                                              C                   EFG

                Graduated university             478        134        345        140        176         98         64        186        292        348        126        115        239
                                                 26%        16%        33%        16%        36%        36%        30%        24%        28%        26%        26%        32%        34%
                                                                         B                     D          D          D

                Post-graduate or                 168         33        135         21         62         41         44         74         95        129         38         38         83
                professional degree               9%         4%        13%         2%        13%        15%        20%         9%         9%        10%         8%        10%        12%
                                                                         B                     D          D          D

                Refused                            1          -          0          1          -          -          0          1          0          1          -          0          1
                                                  *%                    *%         *%                               *%         *%         *%         *%                    *%         *%

                CHI-SQUARE                           <-------506.84------> <------------------463.22-----------------> <---------32--------> <-------15.33-------> <-------14.01------->
                SIGNIFICANCE                                 100%*                            100%*                            100%*                  97%*                  95%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q51 Page 160

Q51 Which of the following best describes your current employment status?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       I am not employed               538       171       366       366        83        37        51       475        62       379       159        16       327        22        14       159
                                       29%       16%       49%       49%       10%       27%       31%       29%       26%       31%       25%       24%       32%       24%       24%       25%
                                                             B       EFG                   E         E                                                          LN

       I am employed less than         384       143       242       242        85        25        33       335        49       252       132         8       224        14         6       132
       20 hours a week                 21%       13%       32%       32%       11%       19%       20%       21%       21%       21%       21%       13%       22%       15%       11%       21%
                                                             B       EFG                   E         E                                                         LNO                           LNO

       I am employed more than         919       780       139       139       630        73        78       791       128       586       333        42       451        57        35       333
       20 hours a week                 50%       71%       18%       18%       78%       54%       48%       49%       53%       48%       53%       63%       45%       61%       63%       53%
                                                   C                           DFG         D         D                                                MP                   M        MP

       Refused                          12         6         6         6         4         0         1        12         0         9         3         0         7         1         0         3
                                        1%        1%        1%        1%        1%        *%        1%        1%        *%        1%        *%        1%        1%        1%        1%        *%

       CHI-SQUARE                          <------496.53-----> <----------------568.43---------------> <-------2.67------> <-------7.24------> <---------------------29.63--------------------->
       SIGNIFICANCE                                100%                         100%*                          56%                 94%                               100%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q51 Page 161

Q51 Which of the following best describes your current employment status?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                I am not employed                538        391        146        304        103         64         66        245        292        355        173        102         66
                                                 29%        48%        14%        35%        21%        24%        31%        31%        28%        27%        36%        28%         9%
                                                              C                    EF                                                                                       M

                I am employed less than          384        272        112        238         65         52         29        170        214        303         69         52         83
                20 hours a week                  21%        33%        11%        27%        13%        19%        13%        21%        20%        23%        14%        14%        12%
                                                              C                    EG                                                                 K

                I am employed more than          919        158        761        323        326        148        122        370        549        667        244        210        555
                20 hours a week                  50%        19%        74%        37%        66%        54%        56%        47%        52%        50%        50%        58%        78%
                                                                         B                     D          D          D                                                                 L

                Refused                           12          0         11          2          1          9          0          7          5          8          1          0          5
                                                  1%         *%         1%         *%         *%         3%         *%         1%         *%         1%         *%         *%         1%

                CHI-SQUARE                           <-------566.46------> <------------------153.35-----------------> <--------6.28-------> <-------24.26-------> <-------71.55------->
                SIGNIFICANCE                                  100%                             100%                             90%                   100%                  100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q52 Page 162

Q52 Which of the following best describes your current study status?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       I am in school full time        677        71       607       607        28        20        22       619        58       472       205        19       415        25        13       205
                                       37%        6%       81%       81%        3%       15%       14%       38%       24%       39%       33%       28%       41%       27%       23%       33%
                                                             B       EFG                   E         E         I                                              LNOP                             O

       I am in school part time        144        94        50        50        67        12        16       127        17        78        66         4        64         5         6        66
                                        8%        9%        7%        7%        8%        9%       10%        8%        7%        6%       11%        6%        6%        5%       10%       11%
                                                                                                                                                                                              LN

       I am not in school             1030       934        96        96       708       103       123       864       166       674       356        44       529        64        37       356
                                       56%       85%       13%       13%       88%       76%       76%       54%       69%       55%       57%       66%       52%       68%       67%       57%
                                                   C                           DFG         D         D                   H                            MP                  MP        MP

       Refused                           2         1         0         0         -         -         1         2         -         2         -         -         1         -         0         -
                                        *%        *%        *%        *%                            1%        *%                  *%                            *%                  *%          

       CHI-SQUARE                          <-----1093.38-----> <---------------1116.77---------------> <------21.31------> <------14.03------> <---------------------34.02--------------------->
       SIGNIFICANCE                               100%*                         100%*                         100%*               100%*                              100%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q52 Page 163

Q52 Which of the following best describes your current study status?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                I am in school full time         677        677          -        492         91         50         44        328        349        477        180         28         32
                                                 37%        82%                   57%        18%        18%        20%        41%        33%        36%        37%         8%         4%
                                                                                  EFG                                           I

                I am in school part time         144        144          -         66         37         21         19         62         82        106         37         31         61
                                                  8%        18%                    8%         7%         8%         9%         8%         8%         8%         8%         8%         9%

                I am not in school              1030          -       1030        307        367        201        155        402        629        749        271        306        615
                                                 56%                  100%        35%        74%        74%        71%        51%        59%        56%        56%        84%        87%
                                                                                               D          D          D                     H

                Refused                            2          -          -          1          -          0          -          2          -          2          -          -          1
                                                  *%                               *%                    *%                    *%                    *%                               *%

                CHI-SQUARE                           <------1851.47------> <------------------302.96-----------------> <-------17.05-------> <--------.74--------> <--------5.62------->
                SIGNIFICANCE                                 100%*                            100%*                            100%*                  14%*                  87%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q53 Page 164

Q53 Do you consider yourself to be an Aboriginal person?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       Yes                              74        53        21        21        35        11         7        62        12        36        38         6        23         3         4        38
                                        4%        5%        3%        3%        4%        8%        4%        4%        5%        3%        6%        9%        2%        3%        8%        6%
                                                                                           D                                                          MN                            MN         M

       No                             1774      1044       730       730       768       123       153      1546       227      1186       587        60       983        91        52       587
                                       96%       95%       97%       97%       96%       91%       94%       96%       95%       97%       94%       91%       97%       97%       92%       94%
                                                                       F                                                                                       LOP        LO

       DK/NA                             5         4         1         1         -         1         3         4         1         3         2         -         3         -         -         2
                                        *%        *%        *%        *%                  *%        2%        *%        *%        *%        *%                  *%                            *%

       CHI-SQUARE                          <-------4.8-------> <----------------27.49----------------> <--------1--------> <------10.14------> <---------------------22.69--------------------->
       SIGNIFICANCE                                91%*                         100%*                          39%*                99%*                              100%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q53 Page 165

Q53 Do you consider yourself to be an Aboriginal person?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                Yes                               74         23         51         24         18         23         10         26         48         61         13         17         36
                                                  4%         3%         5%         3%         4%         8%         5%         3%         5%         5%         3%         5%         5%

                No                              1774        797        977        839        478        249        208        766       1008       1267        474        347        672
                                                 96%        97%        95%        97%        96%        91%        95%        97%        95%        95%        97%        95%        95%

                DK/NA                              5          1          2          4          -          1          -          1          4          5          -          1          1
                                                  *%         *%         *%         1%                    *%                    *%         *%         *%                    *%         *%

                CHI-SQUARE                           <--------5.81-------> <------------------22.29------------------> <--------2.61-------> <--------4.81-------> <--------.18-------->
                SIGNIFICANCE                                  95%*                            100%*                             73%*                  91%*                  9%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q54 Page 166

Q54 Approximately what was your total gross personal income, before taxes in 2009? This excludes any money that was given to you by your parents/guardians or 
others?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       No income                        83        34        49        49        16         9         9        72        11        62        21         3        53         3         3        21
                                        4%        3%        6%        6%        2%        7%        5%        4%        4%        5%        3%        5%        5%        3%        6%        3%
                                                                       E                   E

       Less than $10,000               570       179       391       391        89        48        42       505        65       406       165        13       359        21        12       165
                                       31%       16%       52%       52%       11%       36%       26%       31%       27%       33%       26%       20%       36%       23%       21%       26%
                                                             B       EFG                  EG         E                                                        LNOP

       $10,000 to less than            365       198       167       167       122        28        48       303        61       251       113        12       205        25        10       113
       $20,000                         20%       18%       22%       22%       15%       20%       29%       19%       26%       21%       18%       17%       20%       26%       18%       18%
                                                                                                    EF                                                                   LOP

       $20,000 to less than            230       174        56        56       122        19        33       197        33       145        84        11       116        13         6        84
       $30,000                         12%       16%        7%        7%       15%       14%       20%       12%       14%       12%       13%       16%       11%       13%       11%       13%
                                                   C                             D         D         D

       $30,000 to less than            193       179        14        14       161        11         8       168        25       113        80         8        93         8         4        80
       $40,000                         10%       16%        2%        2%       20%        8%        5%       10%       10%        9%       13%       12%        9%        8%        8%       13%
                                                   C                           DFG         D

       $40,000 to less than             88        82         7         7        72         5         5        81         8        47        41         4        27        10         6        41
       $50,000                          5%        7%        1%        1%        9%        4%        3%        5%        3%        4%        7%        6%        3%       10%       11%        7%
                                                   C                           DFG                                                                                         M        LM         M

       More than $50,000               169       159        10        10       149         6         4       152        17        92        77        11        65         8         9        77
                                        9%       14%        1%        1%       19%        4%        2%        9%        7%        8%       12%       16%        6%        9%       15%       12%
                                                   C                           DFG                                                           J        MN                            MN         M

       DK/NA                           155        95        60        60        71         9        15       134        20       109        45         5        91         7         6        45
                                        8%        9%        8%        8%        9%        7%        9%        8%        8%        9%        7%        8%        9%        8%       11%        7%

       CHI-SQUARE                          <------439.67-----> <----------------605.1----------------> <-------8.72------> <------34.33------> <---------------------80.43--------------------->
       SIGNIFICANCE                                100%                          100%                          73%                 100%                               100%

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                     Table Q54 Page 167

Q54 Approximately what was your total gross personal income, before taxes in 2009? This excludes any money that was given to you by your parents/guardians or 
others?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                No income                         83         44         39         45         16          9         13         36         47         60         17         17         16
                                                  4%         5%         4%         5%         3%         3%         6%         5%         4%         4%         4%         5%         2%

                Less than $10,000                570        394        176        408         71         55         36        251        320        409        148        102         73
                                                 31%        48%        17%        47%        14%        20%        16%        32%        30%        31%        30%        28%        10%
                                                              C                   EFG                                                                                       M

                $10,000 to less than             365        180        185        204         83         46         31        168        197        290         70         84        108
                $20,000                          20%        22%        18%        23%        17%        17%        14%        21%        19%        22%        14%        23%        15%
                                                                                                                                                      K                     M

                $20,000 to less than             230         65        165         69         83         41         36         99        130        169         57         62        105
                $30,000                          12%         8%        16%         8%        17%        15%        17%        13%        12%        13%        12%        17%        15%
                                                                         B                     D                     D

                $30,000 to less than             193         41        152         42         82         44         25         69        124        134         60         32        142
                $40,000                          10%         5%        15%         5%        17%        16%        12%         9%        12%        10%        12%         9%        20%
                                                                         B                     D          D                                                                            L

                $40,000 to less than              88          7         81         16         30         21         22         34         55         52         36         19         63
                $50,000                           5%         1%         8%         2%         6%         8%        10%         4%         5%         4%         7%         5%         9%
                                                                         B                     D                     D

                More than $50,000                169         21        148          6         85         43         35         81         88        118         51         27        132
                                                  9%         3%        14%         1%        17%        16%        16%        10%         8%         9%        10%         8%        19%
                                                                         B                     D          D          D                                                                 L

                DK/NA                            155         69         84         77         44         14         19         55         99        101         48         21         71
                                                  8%         8%         8%         9%         9%         5%         9%         7%         9%         8%        10%         6%        10%

                CHI-SQUARE                           <-------329.42------> <------------------402.17-----------------> <-------11.75-------> <-------24.24-------> <-------107.06------>
                SIGNIFICANCE                                  100%                             100%                             89%                   100%                  100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                     Table Q55 Page 168

Q55 Do you have any dependent children living with you? This includes children living with you full-time or part-time as part of a shared-custody arrangement.
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       Yes                             318       318         -         -       220        36        62       233        84       206       111        19       156        21        11       111
                                       29%       29%                           27%       27%       38%       25%       50%       30%       28%       40%       28%       34%       26%       28%
                                                                                                    EF                   H                           MOP

       No                              776       776         -         -       578        99       100       691        85       490       286        28       390        42        31       286
                                       71%       71%                           72%       73%       61%       74%       50%       70%       71%       59%       71%       66%       74%       71%
                                                                                 G         G                   I                                                 L                   L         L

       DK/NA                             6         6         -         -         5         -         1         6         -         2         5         0         1         -         -         5
                                        1%        1%                            1%                  1%        1%                  *%        1%        1%        *%                            1%

       CHI-SQUARE                          <--------.0-------> <-----------------8.55----------------> <------43.32------> <-------4.35------> <----------------------8.57--------------------->
       SIGNIFICANCE                                 %*                           80%*                         100%*                89%*                               62%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q55 Page 169

Q55 Do you have any dependent children living with you? This includes children living with you full-time or part-time as part of a shared-custody arrangement.
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                Yes                              318         29        289         24         98         98         97         81        237        236         79        118        196
                                                 29%        18%        31%         7%        24%        49%        63%        19%        35%        29%        29%        32%        28%
                                                                         B                     D         DE         DE                     H

                No                               776        134        642        316        304        102         53        336        440        573        196        246        507
                                                 71%        81%        69%        92%        76%        51%        35%        79%        65%        70%        71%        67%        71%
                                                              C                   EFG         FG          G                     I

                DK/NA                              6          2          4          3          -          -          4          6          0          6          0          0          6
                                                  1%         1%         *%         1%                               2%         1%         *%         1%         *%         *%         1%

                CHI-SQUARE                           <-------13.18-------> <------------------225.29-----------------> <-------39.01-------> <--------1.29-------> <--------4.68------->
                SIGNIFICANCE                                 100%*                            100%*                            100%*                  47%*                  90%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q56 Page 170

Q56 Which of the following best represents your current living situation?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1413      1413         -         -       545       422       446       998       415      1079       334       269       259       271       280       334

       You own a house or condo        275       275         -         -       233        19        23       207        67       147       128        23        83        26        16       128
                                       25%       25%                           29%       14%       14%       22%       40%       21%       32%       48%       15%       41%       38%       32%
                                                                                FG                                       H                   J        MP                   M         M         M

       You rent an apartment or        499       499         -         -       346        71        81       434        65       309       190        19       248        24        17       190
       house                           45%       45%                           43%       53%       50%       47%       38%       44%       47%       41%       45%       39%       42%       47%
                                                                                           E

       You live with your              259       259         -         -       173        39        47       230        29       199        61         3       179        11         6        61
       parents                         24%       24%                           22%       29%       29%       25%       17%       28%       15%        6%       33%       17%       15%       15%
                                                                                                                                   K                          LNOP         L         L         L

       None of the above                21        21         -         -        15         1         4        19         1        14         7         1        13         0         0         7
                                        2%        2%                            2%        1%        2%        2%        1%        2%        2%        1%        2%        *%        1%        2%

       Other                            39        39         -         -        29         4         6        34         5        22        17         2        17         2         2        17
                                        4%        4%                            4%        3%        4%        4%        3%        3%        4%        3%        3%        4%        4%        4%

       DK/NA                             8         8         -         -         7         0         1         6         2         8         -         -         8         0         0         -
                                        1%        1%                            1%        *%        1%        1%        1%        1%                            1%        *%        *%          

       CHI-SQUARE                          <--------.0-------> <----------------29.77----------------> <------25.25------> <------37.36------> <---------------------100.4--------------------->
       SIGNIFICANCE                                 %*                           99%*                          100%                100%                              100%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q56 Page 171

Q56 Which of the following best represents your current living situation?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1413        228       1184        433        509        252        219        524        889       1169        232        678        696

                You own a house or condo         275         16        259         21        109         80         65         84        190        198         75         64        210
                                                 25%        10%        28%         6%        27%        40%        42%        20%        28%        24%        27%        17%        30%
                                                                         B                     D          D         DE                     H                                           L

                You rent an apartment or         499         78        421        132        206         87         74        193        305        366        125        195        290
                house                            45%        47%        45%        38%        51%        44%        48%        46%        45%        45%        46%        53%        41%
                                                                                               D                                                                            M

                You live with your               259         63        196        178         61         18          2        112        147        201         57         88        163
                parents                          24%        38%        21%        52%        15%         9%         1%        26%        22%        25%        21%        24%        23%
                                                              C                   EFG          G          G

                None of the above                 21          2         19          8          9          2          2          8         13         18          3          4         16
                                                  2%         1%         2%         2%         2%         1%         1%         2%         2%         2%         1%         1%         2%

                Other                             39          7         32          4         13         11         11         19         20         25         13         14         22
                                                  4%         4%         3%         1%         3%         6%         7%         5%         3%         3%         5%         4%         3%

                DK/NA                              8          -          7          1          5          2          -          6          2          6          2          -          8
                                                  1%                    1%         *%         1%         1%                    2%         *%         1%         1%                    1%

                CHI-SQUARE                           <-------38.29-------> <------------------289.87-----------------> <-------16.91-------> <--------5.09-------> <-------28.94------->
                SIGNIFICANCE                                  100%                            100%*                             100%                  60%                   100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q57 Page 172

Q57 How much do you currently owe on your house or condo?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    275       275         -         -       233        19        23       207        67       147       128        23        83        26        16       128
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  397       397         -         -       230        88        79       258       139       306        91       101        38        99        68        91

       Less than $100,000               48        48         -         -        39         3         5        33        15        22        25         5         3        11         4        25
                                       17%       17%                           17%       15%       23%       16%       22%       15%       20%       23%        3%       42%       23%       20%
                                                                                                                                                       M                LMOP         M         M

       $100,000 to less than           119       119         -         -       105         8         6       101        18        74        45         9        48        10         7        45
       $200,000                        43%       43%                           45%       41%       28%       49%       27%       50%       35%       41%       58%       38%       43%       35%
                                                                                                               I

       $200,000 to less than            63        63         -         -        52         5         6        45        18        34        29         4        25         3         2        29
       $300,000                        23%       23%                           22%       25%       27%       22%       27%       23%       23%       18%       30%       10%       14%       23%
                                                                                                                                                                 N

       $300,000 to less than            16        16         -         -        13         2         2        12         4         4        12         2         2         -         1        12
       $400,000                         6%        6%                            5%        9%        9%        6%        6%        3%        9%        7%        2%                  5%        9%

       $400,000 to less than             1         1         -         -         1         -         -         1         -         1         -         0         -         1         0         -
       $500,000                         *%        *%                            1%                            1%                  1%                  2%                  2%        2%          

       $500,000 or more                  1         1         -         -         1         0         -         1         0         1         0         0         -         -         0         0
                                        *%        *%                            *%        *%                  *%        *%        *%        *%        1%                            3%        *%

       Refused                          26        26         -         -        22         2         3        14        13        11        16         2         5         2         2        16
                                       10%       10%                            9%        9%       13%        7%       19%        7%       12%        8%        6%        8%       10%       12%

       CHI-SQUARE                          <--------.0-------> <-----------------3.48----------------> <------15.45------> <------12.54------> <---------------------46.51--------------------->
       SIGNIFICANCE                                 %*                            %*                           98%*                95%*                              100%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q57 Page 173

Q57 How much do you currently owe on your house or condo?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     275         16        259         21        109         80         65         84        190        198         75         64        210
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                   397         39        358         45        156        100         96        121        276        303         89        145        246

                Less than $100,000                48          4         44          5         15          9         18         14         34         32         16         14         34
                                                 17%        24%        17%        25%        14%        11%        28%        17%        18%        16%        21%        21%        16%

                $100,000 to less than            119          6        113         12         44         45         19         34         85         84         34         23         96
                $200,000                         43%        40%        44%        56%        41%        56%        29%        41%        45%        42%        45%        37%        46%
                                                                                                          G

                $200,000 to less than             63          3         60          3         30         19         11         23         40         43         19         13         50
                $300,000                         23%        22%        23%        13%        27%        24%        18%        27%        21%        22%        25%        21%        24%

                $300,000 to less than             16          2         15          -         10          1          5          4         12         15          1          7         10
                $400,000                          6%        11%         6%                   10%         2%         7%         5%         6%         8%         2%        11%         5%

                $400,000 to less than              1          -          1          1          -          1          -          1          1          0          1          -          1
                $500,000                          *%                    1%         3%                    1%                    1%         *%         *%         1%                    1%

                $500,000 or more                   1          0          1          0          0          0          -          0          0          1          -          0          1
                                                  *%         *%         *%         *%         *%         *%                    *%         *%         *%                    *%         *%

                Refused                           26          1         26          1          9          5         12          8         19         22          5          6         20
                                                 10%         4%        10%         4%         8%         6%        18%         9%        10%        11%         6%        10%         9%

                CHI-SQUARE                           <--------1.8--------> <------------------34.03------------------> <--------1.52-------> <--------7.08-------> <--------5.21------->
                SIGNIFICANCE                                  6%*                              99%*                             4%*                   69%*                  48%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q58 Page 174

Q58 How much do you pay in rent?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                    499       499         -         -       346        71        81       434        65       309       190        19       248        24        17       190
                                       100       100                           100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                  680       680         -         -       207       234       239       497       183       501       179       135       117       114       135       179

       Less than $300 per month         12        12         -         -         4         4         4        10         2         6         6         0         4         0         1         6
                                        2%        2%                            1%        6%        5%        2%        3%        2%        3%        1%        2%        1%        5%        3%

       $300 to less than $500           90        90         -         -        51        17        22        83         7        69        21         4        53         8         4        21
                                       18%       18%                           15%       23%       27%       19%       11%       22%       11%       20%       21%       34%       23%       11%
                                                                                                     E                             K                                       P         P

       $500 to less than $750          125       125         -         -        78        24        23       106        19        67        58         7        46         8         5        58
                                       25%       25%                           23%       33%       28%       24%       30%       22%       31%       37%       19%       34%       28%       31%
                                                                                                                                                       M                   M

       $750 to less than $1,000        164       164         -         -       132        12        20       148        16       114        50         3       101         6         4        50
                                       33%       33%                           38%       17%       24%       34%       25%       37%       26%       17%       41%       23%       26%       26%
                                                                                FG                                                                              LN

       $1,000 to less than              84        84         -         -        63        11        10        70        14        42        42         4        36         1         2        42
       $1,500                          17%       17%                           18%       15%       12%       16%       21%       14%       22%       20%       15%        2%        9%       22%
                                                                                                                                                       N         N                            NO

       $1,500 or more                   17        17         -         -        15         1         0        11         5         7        10         0         5         1         1        10
                                        3%        3%                            4%        2%        *%        3%        8%        2%        5%        2%        2%        2%        3%        5%
                                                                                 G

       Refused                           7         7         -         -         3         2         2         6         1         5         2         1         2         1         1         2
                                        1%        1%                            1%        3%        2%        1%        2%        2%        1%        3%        1%        3%        6%        1%

       CHI-SQUARE                          <--------.0-------> <----------------37.41----------------> <------10.57------> <------25.41------> <---------------------44.68--------------------->
       SIGNIFICANCE                                 %*                          100%*                          90%*                100%                               99%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q58 Page 175

Q58 How much do you pay in rent?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                     499         78        421        132        206         87         74        193        305        366        125        195        290
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                   680        121        559        208        248        125         99        263        417        579         96        372        289

                Less than $300 per month          12          3          9          3          4          4          2          4          8         12          0          8          3
                                                  2%         4%         2%         2%         2%         4%         2%         2%         3%         3%         *%         4%         1%

                $300 to less than $500            90         17         74         34         37         14          4         38         52         65         25         39         49
                                                 18%        21%        17%        26%        18%        16%         6%        20%        17%        18%        20%        20%        17%
                                                                                    G          G

                $500 to less than $750           125         25         99         50         41         20         14         46         79         94         28         52         71
                                                 25%        33%        24%        38%        20%        22%        19%        24%        26%        26%        22%        27%        25%
                                                                                    E

                $750 to less than $1,000         164         21        144         21         85         30         28         63        101        118         46         50        106
                                                 33%        27%        34%        16%        41%        35%        38%        33%        33%        32%        37%        25%        36%
                                                                                               D                     D

                $1,000 to less than               84          8         76         21         30         16         18         35         49         60         20         40         44
                $1,500                           17%        10%        18%        16%        15%        18%        24%        18%        16%        16%        16%        21%        15%

                $1,500 or more                    17          2         15          0          6          4          7          5         12         11          5          2         15
                                                  3%         2%         4%         *%         3%         4%         9%         3%         4%         3%         4%         1%         5%

                Refused                            7          2          5          2          3          0          2          3          4          6          1          4          3
                                                  1%         2%         1%         2%         1%         1%         2%         1%         1%         2%         1%         2%         1%

                CHI-SQUARE                           <--------9.03-------> <------------------55.96------------------> <--------1.89-------> <--------4.86-------> <-------18.94------->
                SIGNIFICANCE                                  83%                             100%*                              7%                   44%                   100%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table Q59 Page 176

Q59 Do we have your permission to link your survey responses to your Canada Student Loans Program information?
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       Yes                            1559       916       643       643       674       120       123      1364       195      1031       528        60       846        81        44       528
                                       84%       83%       85%       85%       84%       89%       76%       85%       81%       84%       84%       90%       84%       86%       78%       84%
                                                                       G         G         G                                                           O                   O

       No                              294       184       110       110       129        15        40       248        45       195        99         7       163        14        12        99
                                       16%       17%       15%       15%       16%       11%       24%       15%       19%       16%       16%       10%       16%       14%       22%       16%
                                                                                                   DEF                                                                              LN

       CHI-SQUARE                          <-------1.51------> <----------------11.75----------------> <-------1.86------> <-------.01-------> <----------------------3.27--------------------->
       SIGNIFICANCE                                78%                           99%                           83%                  7%                                49%

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                     Table Q59 Page 177

Q59 Do we have your permission to link your survey responses to your Canada Student Loans Program information?
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                Yes                             1559        700        859        737        394        251        178        652        907       1094        434        298        596
                                                 84%        85%        83%        85%        80%        92%        82%        82%        86%        82%        89%        82%        84%
                                                                                                         EG                                                      J

                No                               294        121        172        131        101         22         40        141        153        239         54         67        114
                                                 16%        15%        17%        15%        20%         8%        18%        18%        14%        18%        11%        18%        16%
                                                                                               F                     F                                K

                CHI-SQUARE                           <--------1.32-------> <------------------21.47------------------> <--------3.93-------> <-------12.54-------> <---------1--------->
                SIGNIFICANCE                                  75%                              100%                             95%                   100%                  68%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                  Table STATUS Page 178

Loan Status
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       In Study                        753         -       753       753         -         -         -       682        71       528       225        19       462        31        15       225
                                       41%                100%      100%                                     42%       29%       43%       36%       29%       46%       33%       26%       36%
                                                                                                               I                                              LNOP                             O

       In Repayment                   1100      1100         -         -       803       135       163       931       170       698       402        47       547        63        41       402
                                       59%      100%                          100%      100%      100%       58%       71%       57%       64%       71%       54%       67%       74%       64%
                                                                                                                         H                             M                   M        MP         M

       CHI-SQUARE                          <-------1853------> <-----------------1853----------------> <------14.34------> <-------8.78------> <---------------------27.37--------------------->
       SIGNIFICANCE                                100%                          100%                          100%                100%                               100%

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                  Table STATUS Page 179

Loan Status
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                In Study                         753        656         96        524         93         72         64        370        383        518        212          -          -
                                                 41%        80%         9%        60%        19%        26%        29%        47%        36%        39%        44%                      
                                                              C                   EFG                                           I

                In Repayment                    1100        165        934        344        402        201        154        423        677        814        275        365        709
                                                 59%        20%        91%        40%        81%        74%        71%        53%        64%        61%        56%       100%       100%
                                                                         B                     D          D          D                     H

                CHI-SQUARE                           <-------943.32------> <------------------272.35-----------------> <-------20.76-------> <--------3.17-------> <---------.0-------->
                SIGNIFICANCE                                  100%                             100%                             100%                  93%                    %*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                   Table REPAY Page 180

Repayment Status
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       Left School, Up-to-date         803       803         -         -       803         -         -       681       122       494       308        39       380        45        31       308
       (Current)                       43%       73%                          100%                           42%       51%       40%       49%       58%       38%       48%       55%       49%
                                                                                                                                             J       MNP                   M         M         M

       In Arrears (Delinq)             135       135         -         -         -       135         -       112        23        90        45         4        73         8         5        45
                                        7%       12%                                    100%                  7%        9%        7%        7%        7%        7%        8%        9%        7%

       Interest Relief (IR)            163       163         -         -         -         -       163       137        26       114        49         4        95        10         6        49
                                        9%       15%                                              100%        9%       11%        9%        8%        6%        9%       11%       10%        8%

       Attending School (A)            753         -       753       753         -         -         -       682        71       528       225        19       462        31        15       225
                                       41%                100%      100%                                     42%       29%       43%       36%       29%       46%       33%       26%       36%
                                                                                                               I                                              LNOP                             O

       CHI-SQUARE                          <-------1853------> <-----------------5559----------------> <------14.62------> <------13.75------> <---------------------36.83--------------------->
       SIGNIFICANCE                                100%                          100%                          100%                100%                               100%

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                   Table REPAY Page 181

Repayment Status
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                Left School, Up-to-date          803         95        708        230        304        161        107        303        500        529        263        157        636
                (Current)                        43%        12%        69%        27%        61%        59%        49%        38%        47%        40%        54%        43%        90%
                                                                         B                     D          D          D                     H                     J                     L

                In Arrears (Delinq)              135         32        103         58         42         17         17         62         73        127          8        100         28
                                                  7%         4%        10%         7%         9%         6%         8%         8%         7%        10%         2%        27%         4%
                                                                         B                                                                            K                     M

                Interest Relief (IR)             163         38        123         55         56         23         29         58        105        158          4        107         45
                                                  9%         5%        12%         6%        11%         8%        13%         7%        10%        12%         1%        29%         6%
                                                                         B                                                                            K                     M

                Attending School (A)             753        656         96        524         93         72         64        370        383        518        212          -          -
                                                 41%        80%         9%        60%        19%        26%        29%        47%        36%        39%        44%                      
                                                              C                   EFG                                           I

                CHI-SQUARE                           <-------955.55------> <------------------289.58-----------------> <-------24.51-------> <-------97.28-------> <-------272.77------>
                SIGNIFICANCE                                  100%                             100%                             100%                  100%                 100%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                  Table INSTIT Page 182

Institution Type
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       PRIVATE                         240       170        71        71       122        23        26         -       240       132       108        10        90        21        11       108
                                       13%       15%        9%        9%       15%       17%       16%                100%       11%       17%       15%        9%       22%       20%       17%
                                                   C                                       D                                                 J         M                   M         M         M

       PUBLIC                         1613       931       682       682       681       112       137      1613         -      1094       519        56       919        73        45       519
                                       87%       85%       91%       91%       85%       83%       84%      100%                 89%       83%       85%       91%       78%       80%       83%
                                                             B         F                                                           K                          LNOP

       CHI-SQUARE                          <------14.34------> <----------------14.62----------------> <-------1853------> <------15.57------> <---------------------35.02--------------------->
       SIGNIFICANCE                                100%                          100%                          100%                100%                               100%

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                  Table INSTIT Page 183

Institution Type
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                PRIVATE                          240         74        166         77         71         37         56         83        158        180         54         60        109
                                                 13%         9%        16%         9%        14%        13%        26%        10%        15%        13%        11%        16%        15%
                                                                         B                                         DEF

                PUBLIC                          1613        747        864        791        424        236        162        710        902       1153        434        305        601
                                                 87%        91%        84%        91%        86%        87%        74%        90%        85%        87%        89%        84%        85%
                                                              C                     G          G          G

                CHI-SQUARE                           <-------20.17-------> <-------------------45.3------------------> <--------7.95-------> <---------2---------> <--------.21-------->
                SIGNIFICANCE                                  100%                             100%                             100%                  84%                   35%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                Table PROVTYPE Page 184

Province Type
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       Integrated                     1226       698       528       528       494        90       114      1094       132      1226         -        67      1009        94        56         -
                                       66%       63%       70%       70%       62%       66%       70%       68%       55%      100%                100%      100%      100%      100%          
                                                                                                               I

       Non-Integrated                  627       402       225       225       308        45        49       519       108         -       627         -         -         -         -       627
                                       34%       37%       30%       30%       38%       34%       30%       32%       45%                100%                                              100%
                                                                                                                         H

       CHI-SQUARE                          <-------8.78------> <----------------13.75----------------> <------15.57------> <-------1853------> <----------------------1853--------------------->
       SIGNIFICANCE                                100%                          100%                          100%                100%                               100%

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                Table PROVTYPE Page 185

Province Type
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                Integrated                      1226        550        674        649        311        158        107        519        707        862        348        241        437
                                                 66%        67%        65%        75%        63%        58%        49%        65%        67%        65%        71%        66%        62%
                                                                                  EFG          G

                Non-Integrated                   627        271        356        219        184        115        111        274        354        471        140        124        273
                                                 34%        33%        35%        25%        37%        42%        51%        35%        33%        35%        29%        34%        38%
                                                                                               D          D         DE

                CHI-SQUARE                           <--------.47--------> <------------------67.24------------------> <--------.28--------> <--------7.17-------> <--------2.03------->
                SIGNIFICANCE                                  51%                              100%                             40%                   99%                   85%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                    Table PROV Page 186

Province/Territory
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       Alberta                         195       121        74        74        98        13        11       164        31         -       195         -         -         -         -       195
                                       11%       11%       10%       10%       12%        9%        7%       10%       13%                 31%                                               31%
                                                                                 G

       British Columbia                284       182       102       102       137        20        25       227        57         -       284         -         -         -         -       284
                                       15%       17%       14%       14%       17%       15%       15%       14%       24%                 45%                                               45%
                                                                                                                         H

       Manitoba                         47        32        16        16        25         4         3        40         7         -        47         -         -         -         -        47
                                        3%        3%        2%        2%        3%        3%        2%        2%        3%                  8%                                                8%

       New Brunswick                    94        63        31        31        45         8        10        73        21        94         -         -         -        94         -         -
                                        5%        6%        4%        4%        6%        6%        6%        5%        9%        8%                                    100%                    

       Newfoundland/Labrador            56        41        15        15        31         5         6        45        11        56         -         -         -         -        56         -
                                        3%        4%        2%        2%        4%        4%        3%        3%        5%        5%                                              100%          

       Nova Scotia                      83        56        27        27        39         7         9        74         9         -        83         -         -         -         -        83
                                        4%        5%        4%        4%        5%        5%        6%        5%        4%                 13%                                               13%

       Ontario                        1009       547       462       462       380        73        95       919        90      1009         -         -      1009         -         -         -
                                       54%       50%       61%       61%       47%       54%       58%       57%       37%       82%                          100%                              
                                                             B         E                             E         I

       Prince Edward Island             17        11         6         6         8         1         2        14         4         -        17         -         -         -         -        17
                                        1%        1%        1%        1%        1%        1%        1%        1%        1%                  3%                                                3%

       Saskatchewan                     67        47        19        19        39         4         4        56        10        67         -        67         -         -         -         -
                                        4%        4%        3%        3%        5%        3%        2%        3%        4%        5%                100%                                        

       Yukon Territory                   1         1         0         0         1         0         0         1         0         -         1         -         -         -         -         1
                                        *%        *%        *%        *%        *%        *%        *%        *%        *%                  *%                                                *%

       CHI-SQUARE                          <------28.13------> <----------------40.81----------------> <-------40.8------> <-------1853------> <----------------------7412--------------------->
       SIGNIFICANCE                               100%*                          96%*                         100%*               100%*                              100%*

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                    Table PROV Page 187

Province/Territory
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                Alberta                          195         77        117         62         67         36         30         86        109        146         46         27         92
                                                 11%         9%        11%         7%        14%        13%        14%        11%        10%        11%         9%         7%        13%
                                                                                               D

                British Columbia                 284        133        151         91         72         60         60        129        155        211         62         64        115
                                                 15%        16%        15%        10%        15%        22%        28%        16%        15%        16%        13%        18%        16%
                                                                                                          D         DE

                Manitoba                          47         17         30         14         18          9          7         18         29         36         10          7         24
                                                  3%         2%         3%         2%         4%         3%         3%         2%         3%         3%         2%         2%         3%

                New Brunswick                     94         31         64         41         27         12         15         35         59         67         23         18         44
                                                  5%         4%         6%         5%         5%         4%         7%         4%         6%         5%         5%         5%         6%

                Newfoundland/Labrador             56         18         37         22         20         10          3         20         36         42         13         10         30
                                                  3%         2%         4%         3%         4%         4%         2%         2%         3%         3%         3%         3%         4%

                Nova Scotia                       83         36         47         44         24          7          9         33         50         63         20         21         35
                                                  4%         4%         5%         5%         5%         3%         4%         4%         5%         5%         4%         6%         5%

                Ontario                         1009        479        529        564        241        124         81        441        568        708        292        202        326
                                                 54%        58%        51%        65%        49%        45%        37%        56%        54%        53%        60%        55%        46%
                                                                                  EFG

                Prince Edward Island              17          7         10          7          3          2          4          6         11         13          3          5          6
                                                  1%         1%         1%         1%         1%         1%         2%         1%         1%         1%         1%         1%         1%

                Saskatchewan                      67         22         44         22         23         13          8         24         43         45         19         11         36
                                                  4%         3%         4%         3%         5%         5%         4%         3%         4%         3%         4%         3%         5%

                Yukon Territory                    1          1          1          0          0          0          0          0          1          1          -          0          1
                                                  *%         *%         *%         *%         *%         *%         *%         *%         *%         *%                    *%         *%

                CHI-SQUARE                           <-------19.23-------> <------------------121.91-----------------> <--------5.99-------> <--------9.1--------> <-------18.17------->
                SIGNIFICANCE                                  98%*                            100%*                             26%*                  57%*                  97%*

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.
"*" Denotes Chi-Square where at least one cell has an expected value of less than 1
    or more than 20% of the cells have an expected value of less than 5.

                                                                                                                                                                                     Table AGE Page 188

Age
BANNER 1

                                               LOAN STATUS                REPAYMENT STATUS              INSTITUTION TYPE      PROVINCE TYPE                   PROVINCE/TERRITORY
                                           =================== ======================================= =================== =================== =================================================
                                              IN               ATTENDING              IN     INTEREST                                  NON-                                              NON-
                                   TOTAL   REPAYMENT IN STUDY   SCHOOL    CURRENT   ARREARS   RELIEF    PUBLIC    PRIVATE  INTEGRATE INTEGRATE   SASK.    ONTARIO  NEW BRUN. NFLD/LAB  INTEGRATE
                                 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
                                       (A)       (B)       (C)       (D)       (E)       (F)       (G)       (H)       (I)       (J)       (K)       (L)       (M)       (N)       (O)       (P)

       Weighted 'N'                   1853      1100       753       753       803       135       163      1613       240      1226       627        67      1009        94        56       627
                                       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100       100

       Unweighted 'N'                 1853      1413       440       440       545       422       446      1331       522      1407       446       351       354       351       351       446

       Under 25 years                  867       344       524       524       230        58        55       791        77       649       219        22       564        41        22       219
                                       47%       31%       70%       70%       29%       43%       34%       49%       32%       53%       35%       33%       56%       43%       40%       35%
                                                             B       EFG                   E                   I                   K                          LNOP         L

       25-29                           495       402        93        93       304        42        56       424        71       311       184        23       241        27        20       184
                                       27%       37%       12%       12%       38%       31%       34%       26%       30%       25%       29%       35%       24%       29%       36%       29%
                                                   C                             D         D         D                                                 M                             M

       30-34                           273       201        72        72       161        17        23       236        37       158       115        13       124        12        10       115
                                       15%       18%       10%       10%       20%       13%       14%       15%       15%       13%       18%       20%       12%       13%       18%       18%
                                                   C                            DF                                                                    MN

       35+ years                       218       154        64        64       107        17        29       162        56       107       111         8        81        15         3       111
                                       12%       14%        8%        8%       13%       13%       18%       10%       23%        9%       18%       12%        8%       16%        6%       18%
                                                   C                                                 D                   H                   J         O                  MO                  MO

       CHI-SQUARE                          <------272.35-----> <----------------289.58---------------> <-------45.3------> <------67.24------> <---------------------92.91--------------------->
       SIGNIFICANCE                                100%                          100%                          100%                100%                               100%

Comparison Groups: BC/DEFG/HI/JK/LMNOP
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.

                                                                                                                                                                                     Table AGE Page 189

Age
BANNER 2

                                                      SCHOOL ATTENDANCE                        AGE                            GENDER          CONTACT WITH NSLSC    DIFFICULTY REPAYING
                                                    ====================== =========================================== ===================== ===================== =====================
                                                                   NOT
                                            TOTAL    ATTENDING  ATTENDING   UNDER 25    25-29      30-34    35+ YEARS     MALE      FEMALE      YES         NO        YES         NO    
                                          ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ---------- ----------
                                                 (A)        (B)        (C)        (D)        (E)        (F)        (G)        (H)        (I)        (J)        (K)        (L)        (M)

                Weighted 'N'                    1853        821       1030        867        495        273        218        793       1060       1333        487        365        709
                                                 100        100        100        100        100        100        100        100        100        100        100        100        100

                Unweighted 'N'                  1853        587       1264        729        578        285        261        703       1150       1479        339        678        696

                Under 25 years                   867        559        307        867          -          -          -        402        465        619        234        109        219
                                                 47%        68%        30%       100%                                         51%        44%        46%        48%        30%        31%
                                                              C

                25-29                            495        128        367          -        495          -          -        216        279        369        118        133        260
                                                 27%        16%        36%                  100%                              27%        26%        28%        24%        37%        37%
                                                                         B

                30-34                            273         71        201          -          -        273          -         96        177        199         70         62        139
                                                 15%         9%        20%                             100%                   12%        17%        15%        14%        17%        20%
                                                                         B

                35+ years                        218         63        155          -          -          -        218         78        139        146         66         61         91
                                                 12%         8%        15%                                        100%        10%        13%        11%        13%        17%        13%
                                                                         B

                CHI-SQUARE                           <-------268.18------> <-------------------5559------------------> <-------15.39-------> <--------3.79-------> <--------3.53------->
                SIGNIFICANCE                                  100%                             100%                             100%                  72%                   68%

Comparison Groups: BC/DEFG/HI/JK/LM
Independent T-Test for Means, Independent Z-Test for Percentages
Upper case letters indicate significance at the 95% level.