Government of New Brunswick

Saving is easy with the Canada Learning Bond (CLB). The CLB offers families with modest incomes a simple way to start saving for their children’s education after high school. 

Charley and Jack also have stories about the Canada Learning Bond!

The Canada Learning Bond is available to children:

  • Born after December 31st, 2003.


  • Family’s net income is $45,282 or less. ($44,701 or less for 2016 tax year).  Canadians can quickly access a proof of income statement anytime by clicking here .


Important: Only 13,476 of 53,632 eligible New Brunswick children (24.6%) have registered for the Canada Learning Bond. 


Upon acceptance, eligible children receive $500 plus $100 more for each year they are eligible (to age 15 or maximum $2,000).

You do not have to put any of your own money into the RESP to receive the Canada Learning Bond.

Note: Benefits are also available for all the years the child was eligible prior to the application.



  • There is no cost to apply!!
  • Social Insurance Number (SIN) for you and your child.
    - Do not have a SIN card? To apply for your SIN please click here.
  • Have filed your latest income tax and benefit return.   
    - Missed a year or need help filing your income tax and benefit return? You may be eligible to get help at a free tax preparation clinic near you.  For more information on the Community Volunteer Income Tax Program click here.

In less than 10 minutes, you can apply online be clicking here.

Reminder: You will need a Social Insurance Number (SIN) for you and your child and have filed your latest income tax and benefit return.  



Research demonstrates that even small amounts of education savings can set in motion a chain reaction of positive social and educational outcomes for a child and their family:

  1. Youth with savings earmarked for their education are 50% more likely to participate in post-secondary education than those who have none.
  2. For children as young as 11, their perception of whether college is financially possible influences their school-focused goals and the effort they put into their school work.
  3. Children with education savings between $1 – $499 are 3 times more likely to pursue postsecondary and 4 times more likely to graduate

ESIC, the Canada Revenue Agency and Service Canada are teaming up to help New Brunswickers with a modest income file their taxes, get their children a Social Insurance Number and sign them up for the Canada Learning Bond all at the same time and location.

The next Get Your Piece of the Money Pie Super Clinics will take place in March-April 2019. Check this page in February 2019 for dates and locations.