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If you have a family plan, you can use the earnings to pay for the education of another child named in the plan. With an individual plan, you may have the option to name another beneficiary. But, you may need to return any government assistance.
If no beneficiary pursues higher education, you may be able to transfer up to $50,000 of accumulated income earned in the plan tax-deferred from the RESP to your RRSP. You must meet certain conditions to qualify:
You can always get back your own plan contributions that you haven't withdrawn. But, any government assistance in the plan is returned to the government and can’t be transferred to your RRSP.