Signs you are overloaded, and when to adjust or defer
Overload usually shows up in your study numbers first. This checklist is our own, loosely echoing the WHO's three dimensions of exhaustion, distance and reduced efficacy:
- You finish sessions but cannot recall what you read the next day.
- Your practice scores drop for two weeks in a row on topics you already covered.
- You keep skipping the review of missed questions, which is where the learning happens.
- You dread opening the books, or feel you no longer care how the exam goes.
- You are sleeping less, or sleeping badly, to make room for study.
- Mistakes or irritability are showing up at work.
This is not medical advice. If stress, low mood or exhaustion persist, talk to a doctor or another health professional. If you are in crisis or thinking about suicide, the Government of Canada lists the 9-8-8 Suicide Crisis Helpline: call or text 9-8-8, 24 hours a day, 7 days a week.
Adjust before you defer
If two or more signs last two weeks, step down. In order, we would drop time-permitting reading first, swap remaining reading for practice questions, move to floor weeks, and ask your firm for study time or a lighter project load. Our 12-week plan's section on recovering when life eats a week shows what to trim for one, two or three missed weeks.
When deferring makes sense
If this year is not the year, cramming later is not the fix: our post on passing the ExAC with one month of study puts a compressed plan at 35 to 55 hours a week and advises deferring if your situation does not support full-time study. Deferring is a real option, but the rules shape when it works:
| Situation | What the official rules say |
| First attempt, overloaded | Your first attempt covers all four sections (Framework Document, p.16), so you cannot defer one. You can cancel the whole registration with a written request to your licensing authority. |
| Refund on cancelling | exac.ca: 75% of registration fees if your request is received more than 21 days before the exam date; no refund within 21 days. |
| Busy at work | exac.ca: scheduling issues or unforeseen circumstances related to work are not exceptional circumstances. |
| Something happens on exam day | exac.ca: report exceptional circumstances, such as a death in the family, personal illness or unforeseeable difficulty, in writing to your licensing authority within 30 days. On CExAC approval you may get a refund for sections not written and/or an extra attempt. |
| Registered but absent | exac.ca: that section is considered a fail. The 2026 Preparation Guide (p.10) adds that no refund is given if you do not show up. |
| Rewriting failed sections | Framework Document (p.16): three consecutive attempts. exac.ca: not registering for the following year counts as a missed, and therefore failed, attempt. |
Decide early: the refund cut-off is 21 days before the exam, and the 2026 registration window ran from June 1 to July 10, per exac.ca. The official pages do not say whether cancelling a first registration affects your attempt count, so confirm with your licensing authority before you cancel. If you are already on a rewrite, skipping a year uses up an attempt, so read our ExAC retake plan before you decide.