What is OSAP

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The Ontario Student Assistance Program (OSAP) is a financial aid program that can help you pay for college or university.

OSAP offers funding through:

• grants: money you don’t have to pay back

• a student loan: money you need to repay once you’re done school

When you apply for OSAP, we automatically consider you for both grants and loans. If you don’t want to take a loan, you can decline it after your application is approved.

There are also programs to help you repay your student loan once you’re done school.

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What OSAP can help with

OSAP can help you pay for:

• tuition

• books, equipment and supplies

• compulsory student fees charged by a school

• living expenses (full-time students only)

• child care (for students with children)

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Who can get OSAP

OSAP is open to Ontario residents of any age who are:

• Canadian citizens

• permanent residents, or

• protected persons

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Who is not eligible

You may not be eligible for OSAP if you:

• don’t meet the academic progress requirements

• have enough financial resources, including other forms of government aid, to cover your expenses allowed by OSAP

• report income on your OSAP application that’s significantly different from what you reported to the Canada Revenue Agency (CRA)

• have defaulted on a student loan

• have grant or bursary overpayments or multiple outstanding loan overpayments

• failed a credit check

• declared bankruptcy or consumer proposal, or consolidation orders

• have reached your lifetime limit of student loan funding (340 weeks of funding, 400 weeks of funding for doctoral studies, 520 weeks of funding for students with disabilities)

• are an international student