With CST Advantage Plan, your child must enroll in a total of four years of post-secondary school (or equivalent) before the 36th year of the plan to collect all of their EAPs (there are four in total). Your child can only receive one EAP each year, but can take a break between years of study, change schools or program and still qualify for the rest of the EAPs. If you have an Individual or Family Savings Plan, your child does not have to attend all four years to collect their EAPs. Your child can collect the EAPs when they need them up until the 36th year of the plan It’s entirely up to you to control the timing and payout as long as you abide by the rules of the Income Tax Act (Canada).