Does missing a Lifelong Learning Plan repayment get added to my income the way a missed HBP repayment does?

Yes. A missed Lifelong Learning Plan repayment has the same basic consequence as a missed Home Buyers' Plan repayment: the shortfall gets added to your taxable income for that year rather than simply carrying forward to be caught up later. It's worth confirming this explicitly, because people often assume these two RRSP-based plans work differently from each other, when on this specific point they actually behave the same way.

The Income Tax Act doesn't treat a missed LLP repayment as more forgiving just because it relates to education rather than a home purchase - the underlying mechanism is the same in both cases, converting a missed year's minimum into ordinary taxable income rather than letting it defer indefinitely. Because the Lifelong Learning Plan is somewhat less well known than the Home Buyers' Plan, this consequence catches people off guard more often, particularly students or their families who may be focused on tuition and living costs rather than tracking an RRSP repayment schedule in the background. Keeping track of your LLP repayment schedule with the same discipline you'd apply to an HBP repayment is the simplest way to avoid an unexpected tax bill.