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Government Aid, Student Loans & Grants

Here is where you will find information on OSAP and government aid programs. There is a lot to learn, far too much for a single page, and so you have been provided with summaries and links to information on each topic. Scroll through our summaries to find your topic of interest, and click on the link at the end of the summary for additional information.

Introduction to Your Government Aid.

Each Canadian province has its own government sponsored plan to provide financial aid to students. Read up on Government Aid as whole.

Introducing You to OSAP (Ontario Student Assistance Program)

OSAP is Ontario's student financial aid program, helping approximately 35% of all of Ontario's college and university students pay for their tuition, transportation and living fees each year. Read more about OSAP.

Your Rights and Responsibilities as they Pertain to Government Aid Programs

It is important for students to fully understand exactly what parts of the student loan process are their responsibility. Read up on what you need to know.

Applying for Fall/Winter OSAP

Read up on how to apply for OSAP during the Fall and Winter Session here.

Applying for Summer OSAP

You can read on how to apply for OSAP during the Summer Session here.

Bursaries, Grants and Scholarships from OSAP

Did you know OSAP will consider students for grants and bursaries first?. Read up about them.

Picking Up and Cashing in your Student Loan

Once you've gone through the process of applying for OSAP, and it's time to pick it up, there are things you'll need to bring with you and some additional steps that you'll need to walk through. Read more about them.

Academic Progress Requirements

There are academic requirements that OSAP will have you follow so that you may continue receiving funding. Read more on those requirements, and what happens if you fail to meet them, here.

Interest-Free Status and and CIFS (Continuation of Interest-Free Status)

Interest-Free Status is the state of having no interest on your OSAP loans. Read up on when OSAP will, and will not, apply interest to your loan.

Repaying Your Student Loan

Government aid does hand out student loans, and as such they will eventually need to be repaid. For more information on how you'll be repaying your loan, read here.

OSAP Appeals and Reviews

When you complete your OSAP application, there is no place to tell OSAP about special circumstances. Sometimes, due to those special circumstances or if your situation changes, you can ask a Financial Aid Advisor to review your file and see if it's possible for you to submit an appeal. Successful appeals will help you receive additional funding. Read more on OSAP appeals.

OSAP Restrictions and Ineligibility

There are reasons why OSAP would refuse you funding. Read up on the possible reasons.

Students With Disabilities

This section of the website will deal with OSAP assistance available to students with permanent disabilities. Read up on this information.