Ontario Logo
OSAP101
Below are list of commonly asked question and important information, organized in sections that will help to guide you through the whole OSAP process from apply for, to repaying your loans.

GETTING STARTED - OSAP BASICS
  What is OSAP?
How is my OSAP aid calculated?
What are the eligibility criteria?
How much financial aid is available?
What about interest?
Who are the partners involved in delivering OSAP and what they do?
Do my parents make too much money for me to qualify?
BEYOND THE OSAP BASICS
Is additional OSAP aid available to me if I have a permanent disability?
If I’m a current or former crown ward, can I apply for OSAP aid?
Can I apply to OSAP if I’m an aboriginal student?
Can I apply to OSAP if I receive band funding?
If I have children, is OSAP aid available to cover my extra costs?
Can I get OSAP to study part-time?
Is additional aid available if I’m studying in French?
If I study in another province, am I eligible to OSAP?
If I’m studying outside of Canada, am I eligible to OSAP?
Is additional aid available to me if I’m a graduate student?
My circumstances aren’t listed – Who do I contact for help?
APPLYING FOR OSAP
How do I apply
When do I apply?
How much does it cost to apply?
When will I know how much I've gotten?
Who do I contact if I need help?
 
GETTING OSAP FUNDING
What do I do to obtain my OSAP funding?
What types of OSAP funding can I get?
How long does it take to process my application?
Can I appeal the amount of funding I am getting?
Who do I contact if I need help?
 
LIMITING YEARLY OSAP LOAN DEBT
What is the Ontario Student Opportunity Grant and how does it limit my yearly debt?
How do I apply for OSOG?
REAPPLYING AND MAINTAINING MY EXISTING OSAP LOANS
Do I need to reapply each year?
What if I don't need further OSAP assistance?
REPAYING MY OSAP LOAN
When do I have to begin repaying my student loans?
What is the interest rate?
How much will I be paying back and for how long?
What if I have trouble making payments?
Who do I contact if I need help?