To access your funds in CST™ Advantage Plan or Group Savings Plan, your beneficiary does not have to only be enrolled in a 4-year university program. It can be any program (or programs) that total up to 4 years. For example, provided the following programs qualify under the Income Tax Act (Canada), all would be eligible to receive EAPS:

• Four 1-year programs
  
• Two 2-year programs
• A 3-year program and a 1-year program
• Any programs that are even less than a year (but total up to four years of study)

Please also remember that CST™ Advantage Plan provides Education Assistance Payments (EAPs) in four installments (1 per year), and the beneficiary has until the 36th year of the plan to collect all their Education Assistance Payments (EAPs). Please contact a member of our Customer Experience Team at [email protected] or at 1-877-333-7377.anada).