For various reasons, you may need to make a repayment of a debt owed to the Government of Canada. The Canada Revenue Agency (CRA) is responsible for the collection of debts for the following programs:

  • Defaulted Canada Student Loans (CSL)
  • Employment Insurance (EI) overpayments and penalties
  • Training Allowances Payment System (TAPS)
  • Canada Pension Plan (CPP) overpayments
  • Grants and contributions (G&C) overpayments
  • Operations and maintenance (O&M) receivables

Payment instructions

On a monthly basis, you will receive a statement of account from Service Canada indicating the amount that you owe, including principal and interest (where applicable) as well as any payments or adjustments made during the previous month. If you are not receiving statements you should contact the Canada Revenue Agency at 1-866-864-5823.

You can pay your account using one of the methods outlined below:

  • online banking (preferred method)
    • under your online banking payee list, search for “EMPLOYMENT & SOCIAL DEV CANADA“
    • enter your 9 digit Social Insurance Number (SIN). If your financial institution requires 11 characters add the letters “YY” or the numbers “00” to the end of your SIN:
      • given that each financial institution is different, please try using your SIN with the letters YY after. If this is not accepted by the system, you should input your SIN and the numbers 00. Once the client ID is created the payment can be transferred to Employment and Social Development Canada
  • cheque or money order (this method will take longer for Service Canada to process)
    • send your payment by cheque or money order
    • mail your payment to the Payment Office indicated on the back of your monthly statement of account
    • make your payment payable to: “Receiver General for Canada”
    • Write your Client ID Number on the front of your cheque or money order
    • include your remittance slip with your payment
    • do not staple your payment to the remittance slip
    • do not send cash through the mail

Establishment of your debt

For details concerning your debt, refer to the appropriate program contact numbers:

  • Canada Student Loans (CSL) – 1-888-815-4514
  • Employment Insurance (EI) – 1-800-206-7218
  • Canada Pension Plan (CPP) and Old Age Security (OAS) – 1-800-277-9914
  • Other programs issues – 1 800 O-Canada (1-800-622-6232)

Repayment arrangement

To discuss payment arrangements for debts owing to Employment and Social Development Canada, such as defaulted Canada Student loans, Employment Insurance overpayments, Employment Programs overpayments and Canada Pension Plan overpayments, contact the Canada Revenue Agency at 1-866-864-5823.

Payment offices

Mail your cheque or money order to the appropriate payment office.

Atlantic
Payment Office
ESDC Remittances
PO Box 3333
Matane QC  G4W  4R9

Québec
Payment Office
ESDC Remittances
PO Box 4444
Matane QC  G4W  4S1

Ontario
Payment Office
ESDC Remittances
PO Box 6767
Matane QC  G4W  4T1

Pacific
Payment Office
ESDC Remittances
PO Box 1133
Matane QC  G4W  4S8

Insolvency Unit
Payment Office
PO Box 7777
Matane QC  G4W  4S4

Estates and Assessments Unit
Payment Office
PO Box 8888
Matane QC G4W 4S5


If you want to learn more about the new Canada Groceries and Essentials Benefit (CGEB), including who qualifies, how much you could receive, and when payments are issued, visit Tax Service Canada’s Canada Groceries and Essentials Benefit Guide. This comprehensive resource explains the eligibility requirements, payment amounts for individuals and families, application details for new residents, and important CRA payment dates. With the CGEB replacing the GST/HST Credit in July 2026 and providing increased support to millions of Canadians, staying informed can help ensure you receive every benefit you are entitled to.

If you receive the Guaranteed Income Supplement (GIS), now is the time to ensure your benefits continue without interruption. GIS eligibility is reviewed annually, and failing to file your income tax return or complete any required renewal steps could result in your payments being reduced or stopped starting in July 2026. Service Canada uses your most recent income information to determine your eligibility and payment amount for the 2026–2027 benefit year. To avoid delays or disruptions to your monthly GIS payments, review the renewal requirements today. Visit the GIS Renewal page for a complete guide and important updates.

Never miss an Old Age Security payment by bookmarking our dedicated 2026 OAS Payment Schedule page today. Managing your retirement budget is much easier when you know exactly when your funds will arrive in your account. By saving this link, you’ll have instant, one-click access to the most up-to-date distribution dates and any schedule adjustments throughout the year. Stay organized and gain peace of mind by keeping this essential resource right at your fingertips. Bookmark us now and ensure you’re always prepared for your upcoming monthly payments!

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