At a glance Tricura Canada Inc. is a federally incorporated collection agency contracted by the National Student Loans Service Centre (NSLSC). The company calls borrowers whose Canada Student Loan or integrated provincial student loan payments are behind.
If Tricura calls, don't share any information until you verify the call by signing into the National Student Loans Service Centre through your My Service Canada Account, or by calling NSLSC on 1-888-815-4514.
What is Tricura Canada?
Tricura Canada Inc. is a Canadian collection agency that contacts borrowers behind on student loan payments held by the National Student Loans Service Centre.
The company is part of the Finastra group and operates from Mississauga, Ontario.
Contact Tricura Canada
1-866-788-0288
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy is Tricura Canada calling me?
If Tricura Canada is reaching out to you, it means your Canada Student Loan or provincial student loan account in Canada is overdue. The NSLSC has flagged your account to discuss the issue.
Don't provide personal information until you verify the call. Visit the National Student Loans Service Centre and sign in through your My Service Canada Account, or call the NSLSC at 1-888-815-4514.
Who does Tricura Canada collect for?
Tricura Canada's known client is the National Student Loans Service Centre. The NSLSC is the federal body that administers Canada Student Loans and the integrated loans for Ontario, Saskatchewan, Manitoba, New Brunswick, and Newfoundland and Labrador.
If Tricura is contacting you, the call relates to a federal Canada Student Loan or an integrated Canada-provincial loan held by the NSLSC. Alberta, Nova Scotia, and Prince Edward Island run their own provincial loan programs outside the NSLSC system.
Tricura's role is pre-default contact. They speak to you while the loan is still with the NSLSC, before it gets transferred for harder collection.
Source: Government of Canada – Repay a student loan: Can't repay
Companies that use Tricura Canada for debt collection
Submitted by consumers. We try to verify these reports but cannot always confirm them.
Know another company Tricura Canada collects for?
Tricura Canada phone numbers
These numbers are commonly associated with Tricura Canada:
| Phone number | Type |
|---|---|
| Main |
Some numbers are submitted by users. We call to verify each one and recheck periodically, but numbers can change.
Got a call from a number not shown here?
If you receive a call from a different number claiming to be Tricura Canada, verify the debt in writing and confirm the details before paying.
Does Tricura Canada handle defaulted student loans?
No. Tricura Canada handles pre-default contact only. Once a Canada Student Loan misses payments for 270 days, or nine months, it falls into default and gets transferred from the NSLSC for collection.
The federal portion of the loan goes to the Canada Revenue Agency. The provincial portion of an integrated loan goes elsewhere depending on the province. In Ontario, defaulted OSAP debt is sent to a private collection agency. In BC, the BC portion goes to Revenue Services of British Columbia.
Once your loan defaults, Tricura is no longer involved. To bring a defaulted Canada Student Loan back into good standing, contact the NSLSC at 1-888-815-4514.
Source: National Student Loans Service Centre – Stages of a Student Loan
Is Tricura Canada a legitimate debt collection agency?
Yes. Tricura Canada is a real federally incorporated company contracted by the National Student Loans Service Centre. Their toll-free number is 1-866-788-0288, and the automated greeting identifies the company as acting on behalf of the NSLSC.
Always verify independently before sharing details. Contact the NSLSC at 1-888-815-4514 or sign into your account at the National Student Loans Service Centre.
Will Tricura Canada affect my credit score?
A collection account from Tricura Canada will severely damage your credit score once it's reported to Equifax or TransUnion.
It stays on your credit report for 6 years from the date of your first missed payment, known as the date of first delinquency. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Source: Equifax Canada – How long does information stay on my credit report
Check your own report to see whether Tricura Canada has reported the account and whether the information is correct.
What to do if Tricura Canada calls you (step by step)
Step 1: Ask for written verification. Get the original creditor's name, amount, account number and the date of last activity. Don't confirm anything until you've reviewed it in writing.
Step 2: Don't share personal details. No address, date of birth or banking information until you've confirmed the debt is yours.
Step 3: Check your credit report to see what Tricura Canada has reported about you. Get your free credit score and report with Borrowell.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Check the statute of limitations in your province before you pay or acknowledge the debt in writing.
Step 6: Settle if the debt is correct. Sometimes, Tricura Canada might accept a one-time lump sum for less than the full balance. Get any agreement in writing before you pay.
Step 7: Pay by a traceable method like online banking, e-Transfer, or card. Get a receipt.
Step 8: Get help if you can't pay. Talk to a Licensed Insolvency Trustee or non-profit credit counsellor.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Not in Ontario, Alberta, BC, Nunavut or the NWT? Find a trustee in your province
How to stop calls from Tricura Canada
Send Tricura Canada a cease and desist letter. Once they receive it, they have to stop phoning. The debt doesn't go away, and they can still take legal action.
Use our cease and desist letter templates
Provincial law doesn't give you this right in Manitoba, Saskatchewan, Newfoundland and Labrador, Prince Edward Island or the Yukon.
However, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. If Tricura Canada is physically based in Ontario, use Ontario's law instead.
Read more: How to stop collection calls in Canada.
Has Tricura Canada faced regulatory action?
Yes. As of May 7, 2026, Tricura Canada Inc. is on Ontario's Consumer Beware List. The Ministry of Public and Business Service Delivery imposed terms and conditions on the company's collection agency licence for non-compliance with the Collection and Debt Settlement Services Act.
The action restricts how Tricura can operate in Ontario, but the licence remains active. The Ontario filing lists the company contact email as Tricura.Licensing@Finastra.com, which confirms the Finastra ownership.
Source: Government of Ontario – Consumer Beware List, Tricura Canada Inc.
How to file a complaint about Tricura Canada
In Canada, debt collection is regulated province by province, not federally. The rules ban harassment, calling outside set hours, discussing your debt with your family or employer, and threatening legal action they have no intention of taking.
Source: Government of Canada (FCAC) – Debt collection: know your rights
If you think that Tricura Canada is breaking any debt collection rules, contact the consumer protection authority in your province.
Before filing, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
Tricura Canada locations
Locations that Tricura Canada operate in:
Provinces served
- Alberta
- British Columbia
- Manitoba
- New Brunswick
- Newfoundland and Labrador
- Northwest Territories
- Nova Scotia
- Nunavut
- Ontario
- Prince Edward Island
- Quebec
- Saskatchewan
- Yukon
Legal Name
Tricura Canada Inc.
Also known as
RepayAssist Canada Corporation
Common variations
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
Tricura Canada Incorporated
Tricura Collections
FAQs
No. Tricura Canada is a private company contracted by the National Student Loans Service Centre to handle pre-default phone contact. The NSLSC is the federal body that administers Canada Student Loans. Tricura agents act on behalf of the NSLSC but are not government employees.
Tricura Canada uses 1-866-788-0288 to call borrowers behind on Canada Student Loan payments. If you've never had a student loan, the number is wrong on a borrower's file, or someone listed your phone as a contact.
Don't give out personal information. Call the NSLSC at 1-888-815-4514 to confirm there's no account in your name.
Tricura Canada can't take money from your paycheque directly. Wage garnishment on a defaulted Canada Student Loan happens through the Canada Revenue Agency after the loan transfers from the NSLSC.
The CRA does not need a court order to garnish wages for federal student loan debt and can take up to 100% of wages.
You can ask Tricura about adjusting your monthly payment, switching to the Repayment Assistance Plan (RAP), or customizing your repayment terms. The actual changes go through the NSLSC. Get any new arrangement in writing before you agree to it.
Ignoring Tricura calls doesn't make the debt disappear. If you keep missing payments, your Canada Student Loan defaults after 270 days. The federal portion is transferred to the Canada Revenue Agency, which can withhold tax refunds, garnish wages and freeze bank accounts.
Tricura Canada itself doesn't sue borrowers. Legal action on a defaulted Canada Student Loan goes through the federal Crown after the loan transfers to the CRA. Federal student loan debt has no limitation period in Canada, so the government can pursue collection indefinitely.
Other collection agencies in Canada
Joe launched CollectionAgencies.ca in 2025. He has worked in Canadian personal finance since 2023. He maintains the directory, researches collection agencies across Canada and manages the site's editorial content. Agency listings are sourced from provincial licensing records and legislation.