The way in which a student applies for a government-sponsored student loan is that through their application they do a declaration of their resources, which would include income prior to their period of studies; in some cases, if they're a dependant, their parental income; and it would also include things like RESPs, RRSPs, liquid assets they would use to contribute to their education.
Lorsqu'un étudiant remplit une demande de prêt émanant du gouvernement, il déclare ses ressources, c'est-à-dire son revenu avant le début des ses études; dans certains cas, s'il est une personne à charge, le revenu de ses parents; les REEE et les REER, ainsi que les liquidités qui serviraient à payer ses études.