How do I apply for OSAP?
Complete your online application for OSAP Funding at http://www.ontario.ca/osap
Submit your OSAP application, then print the consents and declaration pages and upload them in the supporting documents section of the OSAP website. If you cannot upload, you may submit your signature pages to Financial Aid, Enrolment Services by mail or person. Uploading directly into your OSAP application will typically result in faster processing time.
If you did not receive OSAP in the last two years, print the MSFAA, sign it, complete your banking information and take it to a designated Canada Post Outlet with two pieces of appropriate identification. Canada Post will verify your identity and then forward your MSFAA to the National Student Loans Service Centre (NSLSC) for processing. Don’t delay. Submit your MSFAA as soon as possible to ensure your funding is processed in time for the start of your studies.
If you are a returning applicant you may not need to submit any documentation.
What is a Master Student Financial Assistance Agreement (MSFAA)?
The MSFAA is the student loan agreement that has replaced the paper loan certificate. You are only required to sign the MSFAA once in your lifetime. By signing the MSFAA, you agree to the terms and conditions for holding federal and provincial funding. In addition, it allows for the electronic release of OSAP funding directly into your back account. The MSFAA process is in place for all OSAP recipients.
If you did not receive OSAP in the last two years, you must print your MSFAA after you submit your 2017-18 OSAP application. Complete your MSFAA and bring it to a designated postal outlet. Once the MSFAA is received by the National Student Loans Service Centre (NSLSC) then your OSAP funds will deposited into your bank account at the start of your study period.
I can’t find my program of study within the OSAP application. What should I do?
Make sure that you’re searching for your degree program, not your major. Your application will be processed more quickly if you choose the correct program from the list.
For undergraduate students:
Search for the name of the College/Faculty you’ll be attending. Examples: New College, Trinity, University, Woodsworth, Mississauga, Scarborough, Engineering.
Click on Search for program. You’ll see a list of possible programs. Choose the appropriate program and year of study. Bachelor of Arts/Science will cover most undergraduate programs in Life Sciences, Social Sciences, and Humanities.
For graduate students:
Search the name of your degree program (e. g.. Master of Arts, Master of Science, Master of Teaching, PhD etc.) Choose the best match for your program.
If you cannot find your program when you get to the bottom of the list, type in the name of your program in the box under “Can’t find your program?” The next screen will allow you to manually enter your start and end dates. U of T will update OSAP with verified program information after you submit your application and required supporting documentation.
I’ve submitted my OSAP application. What happens next?
Once your OSAP application has been accepted as complete, your MSFAA has been processed by the National Student Loans Service Centre (new OSAP applicants only), and your full-time enrolment has been confirmed by U of T, your funds are ready for disbursement. In the first few weeks after classes begin, your funds will be deposited electronically into your bank account.
How do I register or pay fees if I won’t receive my OSAP funds until my classes begin? How can I request a tuition fee deferral?
OSAP recipients may register at U of T before receiving their OSAP funding – no minimum payment is required. The University permits students to register beginning in mid-July without paying the ‘Minimum Payment to Register’ amount on their Student Web Service/ACORN invoice if they have been assessed by OSAP and OSAP has determined that they will receive at least $1 in OSAP funding. Information is available at Student Accounts regarding the OSAP/Government Student Aid Tuition Fee Deferral.
Students can complete the OSAP/Government Student Aid Tuition Fee Deferral Online form by logging into the ACORN and selecting Financial Accounts. In the ‘Financial Accounts’ area, students can select ‘OSAP/Govt Deferral’.
Students who are unable to access the OSAP/Government Student Aid Tuition Fee Deferral tool on the ACORN must visit their college or faculty to request a manual tuition fee deferral.
I have enough savings to last until the end of first term. When should I apply for OSAP?
You should apply for OSAP as soon as possible - do not wait until you have run out of money! Apply early: 4-8 weeks prior to the start of classes provides ample time to process your application, and if there are any errors, time to make corrections. OSAP applications may be submitted up to 60 days before the end of the academic session, but if you apply and receive your assessment early, you will be able to manage your budget better during the school year.
I made a mistake on my OSAP application but I can’t change it now that I have submitted the application. How can I let OSAP know about changes to my application?
Once you submit your OSAP application, you must submit a signed letter to make changes to your application. Log in to your OSAP application at www.ontario.ca/osap to see the data OSAP currently has on file. Write a letter indicating what changes or corrections you need to make including your name, student number, and your college or faculty. Print and sign the letter, then scan it and upload in the “Changes to Application” section in your list of required documents in the OSAP application.
If you cannot upload your letter with the changes, you can also submit your letter with changes to Enrolment Services by mail to 172 St. George St, Toronto, ON, M5R 0A3, or by fax to 416-978-7022. Your request for changes must be signed. Updates cannot be made by email.
How do I pay my fees with OSAP?
- Once your OSAP funds are deposited into your bank account, you must pay your U of T fees promptly.
- If you indicated on your OSAP application that you wanted your OSAP funds to be redirected automatically to U of T to pay your tuition fees, please be aware that this process is not in place at U of T.
- Immediately after you receive your government funds, you will have to use this to pay your fees. If you do not receive any funding, you are still responsible for paying your fees and must begin doing so as soon as you receive notification of ineligibility or refusal.
- You can access your personalized fees invoice from ACORN to determine the amounts and due dates for your fees.
- Instructions are available at Student Accounts.
- The University charges a monthly service charge beginning on October 15, and every month thereafter on the outstanding balance for your Fall fees. For Winter term fees, interest will be charged after February 15.
How is my OSAP released to me?
You must be registered in a full-time course load in each term of study in order to receive your OSAP funds. You cannot average your course load between terms. The OSAP minimum course loads are:
- Undergraduate Students: 1.5 credits per term
- Undergraduate Students with a Permanent Disability: 1.0 credits per term
- Graduate Students: full-time registration status or confirmation from your coordinator that you will be in a 60% course load (or 40% if you have a documented permanent disability)
OSAP funds are disbursed in two installments. Generally, for a two-term study period, 60% of the funding will be disbursed in the Fall, and the remainder in the Winter term.
The first installment will be deposited directly into your bank account after the University confirms your full-time registration in September. If you applied by mid-June, this should happen by the first or second week of classes.
If you remain in full-time studies, you will receive your second funding installment in the first two weeks of term in January.
Why does my Student Account say I owe fees when I have already indicated on my OSAP application that I want to redirect my OSAP funding to U of T to cover my tuition?
U of T will not be redirecting students’ OSAP funds to the University.
Even if you have elected to have your OSAP funds redirected to U of T, no fees will be redirected. Immediately after you receive your government funds, you will have to pay your fees on your own. If you don’t receive any funding you are still responsible for paying your fees and must begin doing so as soon as you receive notification of ineligibility/refusal.
You may access your personalized fees invoice from ACORN to determine the fees owed to U of T.
What is the Ontario Student Grant?
The Ontario Student Grant is a new grant OSAP, which provides non-repayable financial assistance to help you fund your studies. You are considered for the grant automatically as part of your OSAP application.
It is through the Ontario Student Grant that OSAP will be giving “free tuition” to qualifying students. The amount of funding is based on the average Arts and Science tuition in Ontario ($6,520) and does not include compulsory fees or other costs. You can receive loan funding to help with these expenses.
To qualify for “free tuition” you must meet the following minimum criteria:
- Dependent students (less than 4 years out of high school): 2016 parental income of $50,000 or less
- Independent students: 2016 income of $30,000 or less
- Married and Sole Support parents: 2016 student (and spouse) income of $50,000 or less
OSAP will also take your resources, such as scholarships, into account.
If your family income is above those categories, you can still receive financial assistance from the Ontario Student Grant. Most students from low and income families will receive more grant funding and less loan funding than under the old OSAP assessment. The best way to find out if you are eligible is to apply at www.ontario.ca/osap
I heard that OSAP was offering “free tuition”- why am I still receiving an invoice?
“Free tuition” means that OSAP provides grant funding to cover at least the average cost of Arts and Science tuition in Ontario ($6,520) for students from families with incomes at or below $50,000 or single students with incomes at or below $30,000. The grant funding is part of your OSAP assessment, it is not extra funding. The tuition amounts at U of T will may be higher, and this amount does not include compulsory and ancillary fees.
You can review the tuition and incidental fees for your program at the Student Accounts Website.
Your OSAP grants will be paid into your bank account. It is your responsibility to use the grant funding to pay your tuition and incidental fees.
How do I know if my OSAP loans/grants have been processed?
You can check the processing status of your OSAP application on the OSAP website. You will need to know your Ontario Access Number (OAN) as well as your password to access this information.
It is recommended to begin checking your OSAP status starting about 4 – 8 weeks after you have uploaded your signed consents and declaration pages.
If your OSAP application has been processed, you can also check the amount you are eligible to receive from the government for this academic year.
How do I change my address so that OSAP knows?
OSAP recipients must keep their address and contact information up to date with the Ministry, National Student Loans Service Centre (NSLSC) and U of T.
- OSAP: Students log in to their OSAP accounts to change their addresses at the OSAP website
- National Student Loans Service Centre: 1-888-815-4514
- University of Toronto: log in into the ACORN – make sure that both your permanent address and mailing address are up to date
I live in another Province. Can I apply for OSAP?
No. If your home province is not Ontario, you must apply to the Ministry or Department of Education in your home province for financial assistance. Your home province is the last province you lived in for at least 12 months without being a full-time university or college student.
Out of Province Students are not automatically considered for UTAPS. To be considered for UTAPS funding,submit an application by November 1. You will need your aid assessment from your home province to complete the application.
What if I have OSAP funding from previous years?
If you have a previous Canada Student Loan, Ontario Student Loan, and/or Canada-Ontario Integrated Student Loan and plan to continue your studies, you must ensure that your previous loans are placed in interest-free status so that you do not have to repay the loans and interest while you are in school.
You must ensure that your previous lender(s) and/or the NSLSC know that you are studying full time. There are two ways to do so:
- If you are receiving OSAP in 2017-18
You don’t have to do anything. The ministry will electronically inform your previous lender(s) and/or the NSLSC that you are still in school.
- If you are NOT receiving OSAP in 2017-18 or your OSAP funding will be delayed this semester
Submit a Continuation of Interest-Free Status (CIFS) request to as soon as your semester begins. Apply for CIFS online at the OSAP website starting 15 days before the start of your classes for the term; U of T will confirm your full-time status with OSAP once you are registered in a full time course load.
Do I have to notify Financial Aid & Awards at Enrolment Services of any changes to my status?
Yes. Failure to notify Enrolment Services of any of the changes listed below may result in your restriction from receiving further OSAP funding:
- Receiving scholarships, changes in your assets
- Financial situation (for you and/or your family)
- Marital status (yours or your parents)
- Address during the school year (e.g. living at home or away)
- Other changes to your personal information (e.g. children information, changes in citizenship status)
- Course Load (i.e., dropping courses or applying for Advanced Standing) – speak to Enrolment Services before making any changes to your course load as it may affect your eligibility for OSAP funding
- Program of study - speak to Enrolment Services before making any changes to your program as it may affect your eligibility for OSAP funding
The income I reported on my OSAP application has changed. Do I need to let OSAP know?
Yes. It is your responsibility to update OSAP if any of your financial or other information changes. You can check the data on file by checking your Application data in your online OSAP account. Write a letter explaining the changes, sign it, and upload it to the “Changes to Your Application” section in the Documents page of your OSAP application, or submit a written notice to Enrolment Services.
I’m receiving a graduate funding package. Do I need to report my graduate income to OSAP?
Yes. As part of your OSAP application you agree that you are providing income information that is complete and true. Failure to report income to OSAP can result in loss of eligibility in future years.
All graduate fellowships should be reported to OSAP as Scholarship or Award funding, including your tuition award. The only exception is if you are receiving the Ontario Graduate Scholarship (OGS) or the Queen Elizabeth Graduate Scholarship in Science & Technology (QEII-GSST), do not report this to OSAP. These awards are automatically reported to OSAP by U of T.
Any earned income you receive such as a Teaching Assistantship, or a Research Assistantship should be reported as employment income, if it is over $5,600 per term ($11,200 for two terms, $16,800 for three terms).
Typically income that is reported on a T4, such as your TA wages, should be reported as employment income. Income that is reported on a T4A, like a research fellowship, should be reported Scholarship or Award income. If you aren’t sure whether you are receiving scholarship or employment income, ask your department.
I didn’t get enough OSAP. Can I get any more?
Visit Enrolment Services and ask about OSAP appeal options. There are a number of OSAP appeals available. If you meet criteria for an OSAP appeal, Enrolment Services will reassess your OSAP application using the documentation you have provided and you may be reassessed for more funding. However, the maximum OSAP loan funding available is:
- $390/week of study for single students;
- $660/week of study for married students, students in common-law relationships, and single parents.
If you’re already receiving the maximum OSAP funding and you are experiencing financial difficulties, contact your Faculty or College registrar to find out how to apply for additional need-based funding. Find their contact information in the Financial Counselling Directory.
What does it mean if I’m on Academic Probation for OSAP?
If you’re on Academic Probation for OSAP, it means that you didn’t successfully complete your studies last year while you were on OSAP and that for the next academic year, your academic progress will be monitored closely. This happens if you don’t complete your required course load, or if you received funding and then drop classes.
During your OSAP probation, you can still receive OSAP funding. However, you also will be expected to pass the courses you registered for. If you pass your courses, then the Academic Probation will be removed from your OSAP file. If you don’t pass your courses, then you will be restricted from OSAP funding for a minimum of 12 months.
In order to access OSAP funding while on Academic Probation, you will need to submit a letter of Academic Progress.
Can I get OSAP funding if I have defaulted on my OSAP loan?
If you defaulted on the Canada portion of your OSAP loan, you may be eligible to bring your loan back into good standing and get further funding. Rehabilitation of your Canada Student Loans typically involves repaying all outstanding interest and making the equivalent of two monthly payments on your loan. For more information about Canada Student Loan rehabilitation, contact the National Student Loans Service Centre at 1-888-815-4514.
If you defaulted on the Ontario portion of your OSAP loan, you must either repay your Ontario loan in full or rehabilitate your loan in order to receive future funding. Ontario Student Loan rehabilitation involves repaying all outstanding interest and making six monthly payments toward your loan. Contact the following agency to determine the current status of their provincial debt and which private collection agency has the debt.
Account Management and Collections Branch
Ministry of Finance
Telephone: 416-326-0500 (within GTA)
Or toll free: 1-800-387-5604
When do I start repaying my OSAP loans?
It is your responsibility as a borrower to make your student loan payments on time to keep your loans – and your credit – in good standing. You are expected to begin repayment of their student loans 6 months after you stop being a full time postsecondary student. For example, if you leave full time studies on April 30, your first student loan payment would be due in November.
If you are experiencing financial difficulties in meeting your repayment obligations, there are programs to help. For more information about your repayment options, visit the National Student Loans Service Centre website or phone 1-888-815-4514.
NSLSC Repayment Webinar – On Demand – Watch any time
For OSAP loans borrowed prior to September 2001:
- CIBC National Student Centre: 1-800-563-2422
- Royal Bank Student Loan Centre: 1-800-363-3822
- Scotiabank (Bank of Nova Scotia) Student Loan Centre: 1-800-972-684
Will I be notified when I have to start repaying my OSAP loans?
The National Student Loans Service Centre (NSLSC) will send you a consolidation agreement during the six months after you stop being a full-time student. Ensure that NSLSC always has your most current address. Contact NSLSC (1-888-815-4514) if you do not receive your consolidation agreement.
What can I do if I experience financial difficulties when repaying my student loans?
If you ever think you may not be able to afford your payments, contact the National Student Loans Service Centre (NSLSC) at 1-888-815-4514 for information on their repayment assistance programs. Remember that missing payments on your student loans has consequences, including affecting your credit rating and your eligibility for future OSAP assistance.
What financial aid programs are available for part-time students?
OSAP and U of T both offer Financial Assistance for Part-Time Students
Part Time OSAP – available to undergraduate and graduate students registered in certificate, degree or diploma programs, apply online at the OSAP website.
Noah Meltz Grant – available to undergraduate students registered in certificate, degree or diploma programs.
For financial aid purposes, “part-time” is defined as less than a 60% course load in a particular term of study. For undergraduate students, this means that you’re taking less than 1.5 credits in a term. A term is defined as September to December, January to April or May to August.
Students with permanent disabilities who are enrolled in 40% to 59% of a full course load have the option of applying for either Full-Time OSAP or Part-Time OSAP. If a student with a permanent disability is in receipt of social assistance (such as Ontario Disability Support, Ontario Works) for their living expenses, applying to Part-Time OSAP may be a more viable choice for funding their educational costs and to limit their student loan debt.
Students who are registering in the Academic Bridging Program (part-time) or undergraduate degree or certificate students taking two credits for the fall/winter session may apply for the Noah Meltz Grant and/or Part-Time OSAP.
If you would like to delay your fee payment until your part-time funding is received, please do the following:
- Hand in your Part-Time OSAP application documents and/or your Meltz application to Enrolment Services
- Wait three business days
- Request a fee deferral on ACORN
Part-Time OSAP will continue to be released on paper funding documents for 2017-18. The Noah Meltz Grant will be paid to your ACORN account.
What’s UTAPS? How do I apply?
UTAPS stands for the University of Toronto Advanced Planning for Students. It’s a program that is used to meet students’ financial needs not addressed by OSAP or other government programs.
OSAP recipients don’t need to apply. If you have unmet need, OSAP will send you a notice requesting detailed information that is not in the OSAP application, such as your expected employment income during the school year. Once you complete this form, you will be considered for UTAPS.
U of T students receiving funding from another province/territory or a First Nations band are also eligible for consideration, but they need to apply online.
How do I change the banking information I provided when I applied for OSAP?
Students who need to change their banking information for their MSFAA (Master Student Financial Assistance Agreement) must complete the National Student Loans Service Centre (NSLSC) “Bank Account Information Change Request for Electronic Disbursements” form. This completed form and supporting documentation are submitted to NSLSC to update.
Forms are available from the NSLSC.
How will I get my OSAP if I don’t have a bank account?
Students must set up their own bank accounts for OSAP direct deposit.
If I withdraw from studies, how will it affect my OSAP funding?
Students must maintain satisfactory academic progress. That means that students are required to successfully complete the academic requirements of their program to continue to be eligible for OSAP. Frequent or multiple program switches, drops, withdrawals and/or repeats of programs that are funded by OSAP may be considered lack of academic progress and direction. Contact Enrolment Services for further details.
These are some of the consequences to withdrawing from full-time studies while on OSAP:
- Your loans will become repayable 6 months after you withdraw from full-time studies.
- Some of your OSAP grants may be converted to repayable loans.
- An overpayment will be created due to a reassessment of your OSAP entitlement as a result of your withdrawal.
- There will be OSAP Academic probation or restriction placed on your file because you did not maintain full-time standing during your OSAP funded study period.
See our OSAP Withdrawal information page for more details.
Last Updated: August 2017