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BMO 'automatically' increases woman's joint line of credit, while spouse racks up debtBMO has partnered with Nelnet Bank to provide private student loans to help pay for college. Easily apply online with no application fee today. BMO's (Bank of Montreal) Student Line of Credit is designed to help Canadian students and landed immigrants who are enrolled in a university. Call. from 7 a.m. to 11 p.m. CT Monday to Friday and 8 a.m. to 10 p.m. on Saturdays and Sundays to talk to our customer care team. BMO.