OSAP Overview
OSAP is available to eligible students in the form of an integrated student loan funded by the Province of Ontario and Government of Canada. These loans are interest-free until graduation or until you cease full-time studies; repayment begins six months later. OSAP's objective is to help students from lower income families meet the costs of post-secondary education, including tuition, books, supplies and basic living expenses. OSAP is not intended to supply all the funding to meet these costs. Its purpose is to supplement, not to replace, the financial resources that you (and your family, if applicable) are expected to contribute.
Student Access Guarantee
We will guarantee that any unmet need for tuition, books, and mandatory fees, as calculated by the Ministry through the OSAP system, will be provided to students seeking financial assistance. The University of Guelph has partnered with the Ministry of Training Colleges and Universities, to support access to post-secondary education through the "Student Access Guarantee".
Applying
Step-by-step guides on ‘How to Apply for OSAP’ for part-time students, full-time students, and summer students. Remember to apply for OSAP early!
Dates & Deadlines
Important dates and deadlines to ensure that your student loan arrives for the start of your school year.
ID Requirements
A list of acceptable forms of identification for OSAP applicants. As per MTCU’s policy- no exceptions to the identification requirements will be made!
OSAP Eligibility
You may or may not be eligible for OSAP based on your course-load, student status, program, academic progress and residency. Click to find out if you are eligible!
Tuition and OSAP
Information on paying your tuition with OSAP loans.
Overpayment
An OSAP overpayment occurs when you received more OSAP funding that you are eligible for – this could happen when you change your course load, or fail to report all your income during the study period. Click here to find out how to repay an overpayment.
Confirmation of Enrolment
File is uploaded to OSAP for the students who are registered in 60% of a full courseload in the current semester and are on OSAP.
Interest Free Status
Procedure for maintaining an interest-free status, for students NOT receiving a new Canada-Ontario Integrated Student Loan.
30% off Ontario Tuition Grant (Not just for OSAP students!)
NEW 30% off Ontario Tuition program is to help make education more accessible and affordable. If your parents’ gross income is $160,000 or less, you may be eligible.
Student with a Permanent Disability
Special assistance, OSAP, bursaries, and scholarship can be available for students with a permanent disability. Information on these programs can be found here.
Ontario Students Studying Out of Country
Information for students studying outside of Ontario AND are applying for OSAP assistance.
Ontario Student Opportunity Grant (OSOG)
OSOG is available to help students reduce their annual Canada-Ontario Integrated Student Loan by limiting student’s repayable debt. Find out our more information on the program and how you can verify your eligibility.
FAQs
Have questions about the Ontario Student Assistance Program (OSAP)? Answers for parents and students can be found here.
