Continuation of Interest Free Status



If you are back in school full-time and have previous OSAP loans, then you must ensure that they are placed into interest-free status. When your loans are in interest-free status, you don’t make payments and no interest is charged.

Submit this application so that the National Student Loans Service Centre (NSLSC) is notified that you’re back in full-time studies.  If your application is approved, your new study period dates (known as your “confirmed study period”) will be provided to the NSLSC.  


  1. You are not submitting an OSAP application for Full-Time Students for your study period. Note: if you applied for full-time OSAP, your study period information is sent to NSLSC when U of T confirms your full-time enrolment.

  2. You applied for full-time OSAP, but:
    - you did it late and/or
    - your application cannot be approved   

  3. You are completing a co-op work term or one or two semesters.  

How to Apply

The easiest way to apply is to login to your OSAP account and click on “Start a new application”.

When to Apply?

The earliest you can apply is 15 days before the start of your first day of class. 


You must submit your application no later than 21 days before the end of the semester (last day of the exam period). 


Application Start Date 


Fall 2020 only

August 24, 2020

November 30, 2020 

Fall 2020/Winter 2021

August 24, 2020

April 1, 2021

Winter 2021 only

December 20, 2020

April 1, 2021

Having Trouble applying for CIFS online?

If you are unable to submit your CIFS application online, please download the form from the OSAP website.

  • Complete the form – all pages – and scan the completed form as a pdf
  • If you submitted a full-time OSAP application for this current academic year: 
    Upload the pdf - all pages - to your OSAP account
    o Login to your OSAP account – view your application pages
    o Click on Print/Upload>
    o View Required documents (print/upload)  
    o Click on: “Go to optional uploads”
    o Use the link in the section: “updates to your application”
  • If you didn’t submit an application for full-time OSAP for this current academic year, email the pdf to:
If you change your course load, drop to part time, or are on OSAP probation, here are some steps to keep your loan in good standing.