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Government Student Aid

The Ontario Student Assistance Program (OSAP) provides financial aid to students enrolled in post-secondary studies. OSAP may provide financial aid to help pay for costs relating to your education such as tuition, books, compulsory fees, transportation and associated living costs for students who qualify.

Please note that OSAP is intended to supplement a student and family’s financial resources towards their education. Eligibility for OSAP does not guarantee that all expenses related to your post-secondary studies will be covered by loans, grants and bursaries.

To estimate how much you may receive through grants and loans please use the online OSAP Aid Estimator.

For detailed instruction and eligibility, please visit the Full-Time, Part-Time or the Spring/Summer sections of the website.

Or visit the OSAP Website for additional information.

The repayment period for OSAP Loans will typically begin six months after you have completed your studies. The National Student Loan Service will get in touch with you at this time to coordinate your next steps. Your monthly repayments will depend on how much debt you have, how long you take to repay it, and the interest rate.

If you are contacted to begin the repayment of your loans but are still continuing in your studies and are not applying for OSAP or the OTG (Ontario Tuition Grant), you will need to review the eligibility for Continuation of Interest-Free Status (CIFS). This will pause your repayment until you have completed your studies.

To learn more about repayments, register for an online webinar with the National Student Loan Service.

For an estimate of your monthly repayments, use the OSAP Repayment Calculator.

Full-time students who have not already received their maximum OSAP funding may appeal for review based on the different types of appeals listed below. The maximum funding for 2016/2017 is $370/week for a single student without dependents. For a student who is married, in a common-law relationship or a sole support parents the maximum is $570/week.

Follow these steps for the appeal process:

  1. Review the Fee Appeal information on the OSAP website.
  2. Complete the PDFStudent Financial Assistance Budget Form.
  3. Submit the required documentation based on your type of appeal below. All required documents must be received by the Student Financial Assistance department or the ministry no later than 40 days before the end of your study period.

To check the status of your appeal please login to your OSAP online account.  Appeal decisions can take 3-4 weeks for review and may require you to meet with a Student Financial Assistance Advisor on campus.

The forms linked to in the following section can also be found on the OSAP Find a Form page along with several others you may find useful.

Family Breakdown

This appeal is for students who have had a family breakdown and are no longer in regular contact with their parent(s) or guardian(s). Conditions under which OSAP may declare the student has a valid family breakdown situation and permit a student to apply for OSAP without their parent(s) information if there is:

  • Physical abuse
  • Sexual abuse
  • Emotional abuse
  • Drug or alcohol addiction in the student's family
  • Mental abuse


Family breakdown reviews which are submitted for the following reasons will not be considered (the list is exhaustive):

  • Parents feel that it is the responsibility of the government to fund post-secondary education;
  • Parents feel that once the student reaches the age of 18, the student is independent;
  • Parents do not agree with the student's choice of program or institution;
  • Parents do not approve of the student's living arrangements


The Ministry of Advanced Education and Skill Development expects dependent students (less than four years out of high school) to report parental income on their OSAP application. Due to family circumstances, a student may not have access to the information for one or both parents. The Ministry may consider your application without your parent(s) information under certain extenuating circumstances.

Complete the PDFFamily Breakdown Appeal Form if the nature of your breakdown meets the relevant criteria.

Credit Check Failure

This appeal is for students who have been denied student financial assistance as a result of failing the required credit check and wish to have the decision reviewed. Please complete the PDFCredit Check Review Form.

Request to Use Parent's Estimated Income

If the estimated income for your parents’ salary for the current year is a more accurate reflection of their finances than last year’s tax return, please complete the PDFRequest for Assessment on Parent’s Estimated Income Form.

Request to Use Spouse's Estimated Income

If the estimated income for your spouse’s salary for the current year is a more accurate reflection of their finances than last year’s tax return, please complete the PDFRequest for Assessment on Spouse’s Estimated Income Form.

Request to Review for Local Travel Expenses

This appeal initiates a review of your local travel expenses if you are living at home. You can find a list of circumstance that can be considered on the PDFRequest for Review: Adjust Local Travel in Study Period Form.

Request to Review to Adjust Living Allowance

This appeal initiates the process to review your living allowances to the pre-study and/or study period. You can find a list of circumstance on the PDFRequest for Review: Adjust Living Allowance Form. Please note that reviews will only apply to the federal loan and grants due to the fixed contribution for the provincial component of OSAP. As a result you should expect there may be no or minimal impact to your OSAP assessment if your appeal is approved.

Request to Review to Adjust Income Contribution Due to Lack of Employment

This appeal initiates the process to review your expected income contribution from you and/or your spouse (if applicable). You can find a list of circumstance on the PDFRequest for Review: Adjust Income Contribution Due to Lack of Employment Form. Please note that reviews will only apply to the federal loan and grants due to the fixed contribution for the provincial component of OSAP. As a result you should expect there may be no or minimal impact to your OSAP assessment if your appeal is approved.

Request for Review to Adjust Student Fixed Contribution

This appeal initiates the process to review your expected fixed financial contribution of $3,000 used in the assessment of the OSAP application. This fixed contribution is the same for all applicants and is not dependent on your reported income. You can find a list of circumstance that can be considered on the PDFRequest for Review: Student Fixed Contribution Form.