Ontario Loans and Grants

The Ontario Student Assistance Program (OSAP) is a government funded financial aid program that offers loans and grants for students in college and university. As you plan for the upcoming year, you can use the OSAP Estimator or determine what the maximum amount of funding a student can get. Each student is assessed individually, and the amount of funding you are eligible to receive is based on your circumstances.

Before you apply

  1. Determine if you are eligible to apply. Visit the OSAP website to learn more.
  2. Understand your rights and responsibilities. You are entering into a legal agreement with the Government of Ontario for a loan and/or grant for the duration of your studies as a full-time student.
  3. Know how many courses you will be taking. Apply to either the full-time or part-time OSAP loan accordingly. Students with a permanent disability and are registered with AccessAbility Services are considered full-time if they register in at least 1.0 credit each semester (40% course load).

Students with special circumstances can explore additional programs designed to meet their needs

Deadlines, tips, and how to ensure your application is complete.
After you apply for OSAP, your application will be assessed by the Ministry of Training, Colleges, and Universities and a funding entitlement will be determined for you.
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.
Planning to study full-time in the Summer? If you're thinking about applying for OSAP, here's what you need to know.
Whether you've dropped to part-time, or are planning ahead, make sure you know what will happen when you enter repayment.
You are a part time student if you course load is less than 60% for the semester. At UTSC, that is 1.0 credits or less. You may be eligible for student aid funding through Part-Time OSAP.