{"id":"u8","name":"Canada Learning Bond (CLB): free RESP money for children","type":"program","typeLabel":"Program","what":"Free government money for a child's education after high school, $500 the first year and $100 for each later year up to age 15 (up to $2,000 in total), paid into a Registered Education Savings Plan (RESP) with no need to put in any of your own money.","forWhom":"Children born on or after January 1, 2004 who have a Social Insurance Number and are named in an RESP, in families with adjusted income of $58,523 or less with 1 to 3 children (under $66,036 with 4, under $73,577 with 5) for July 2026 to June 2027.","cost":"Free; you do not have to put any money into the RESP","tags":["CLB","RESP","learning bond","education savings","money for college","Canada Education Savings Grant"],"topics":["benefits","money","parents","education","students"],"place":{"country":"Canada","region":null,"city":null,"label":"Canada-wide","cc":"CA","scope":"country"},"website":"https://www.canada.ca/en/services/benefits/education/education-savings/canada-learning-bond.html","sources":["https://www.canada.ca/en/services/benefits/education/education-savings/canada-learning-bond.html","https://www.canada.ca/en/services/benefits/education/education-savings/estimating-amounts.html","https://www.canada.ca/en/services/benefits/education/education-savings/opening-plan.html","https://www.canada.ca/en/employment-social-development/services/learning-bond.html","https://www.canada.ca/en/contact/contact-1-800-o-canada.html"],"checked":"2026-10-02","added":"2026-10-02","verified":"checked","checkEvery":90,"deadline":null,"deadlineNote":"The primary caregiver can request it until the child turns 18; after that, the young adult has until the day before they turn 21 to request it. From April 2028 the government will open an RESP automatically for eligible children born in 2024 or later whose caregiver gets the Canada Child Benefit (opting out starts in 2027).","status":"listed","routes":[{"kind":"Application form","url":"https://www.canada.ca/en/services/benefits/education/education-savings/opening-plan.html","value":null,"seen":"2026-10-02","source":"their own site"},{"kind":"Office phone","url":"https://www.canada.ca/en/contact/contact-1-800-o-canada.html","value":"1-800-622-6232 (1 800 O-Canada, Mon to Fri 8 am to 5 pm local time); TTY 1-800-926-9105","seen":"2026-10-02","source":"their own site"},{"kind":"Office phone","url":null,"value":"1-800-622-6232","seen":"2026-10-02","source":"their own site"}],"primaryRoute":{"kind":"Application form","url":"https://www.canada.ca/en/services/benefits/education/education-savings/opening-plan.html","value":null,"seen":"2026-10-02","source":"their own site"},"routeCount":3,"channels":[{"kind":"website","url":"https://www.canada.ca/en/services/benefits/education/education-savings/canada-learning-bond.html","label":"Website","reach":null,"unit":null,"seen":"2026-10-02","source":"their own site"}],"spaceCount":1,"spacesSeen":"2026-10-02","phone":"1-800-622-6232","contact":{"email":null,"url":"https://www.canada.ca/en/services/benefits/education/education-savings/canada-learning-bond.html","route":"Application form"},"steps":["Get a Social Insurance Number for the child, and for yourself if you do not have one.","Choose an RESP promoter from the government's RESP promoters list and ask what benefits they offer before you open the plan.","Open the RESP with the child as beneficiary; the promoter helps you apply for the Canada Learning Bond, the Canada Education Savings Grant and provincial benefits at the same time.","Check that the bond is deposited; questions go to 1 800 O-Canada (1-800-622-6232)."],"languages":["English","French"],"welcomes":[],"reachNum":null,"reachUnit":null,"reachKind":"none","reachSource":null,"reachSeen":null,"intents":{"reach":false,"grow":null,"job":false,"volunteer":false,"specialist":null,"opps":false,"housing":false,"money":true,"info":false,"marriage":false},"stale":false,"staleDays":0,"checkedNote":"Facts read from the source pages on 2026-10-02; spaces read from their site on 2026-10-02; re-checked every 90 days.","spaces":[{"kind":"website","label":"Website","url":"https://www.canada.ca/en/services/benefits/education/education-savings/canada-learning-bond.html","reach":null,"unit":null,"seen":"2026-10-02","note":null}],"missing":["organization email (not published on their pages)","follower or subscriber counts (platform pages do not expose them to readers; ask the organization or check the platform)","what they welcome from outside parties (their pages do not say)","audience number for the organization as a whole (not public)"]}