The Lifelong Learning Plan allows you to withdraw money, interest-free, from your RRSPs to finance full-time training or education for yourself or your spouse/common-law partner. You can withdraw up to $10,000 per year, for a maximum of $20,000. Any amount withdrawn over the maximum will be included in your income that year and will be subject to income tax. You have up to 10 years to re-contribute the money to your RRSP, at a rate of 10% per year until it has been repaid in full. You can repay the full amount at any time. If you re-pay less than 10% in any given year, you must include the difference in your income for that year.