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Full-time OSAP: A Step-By-Step Guide

Want full-time OSAP? You must be registered in at least 60% of a full course load, or 3.0 units per term (40% or 2.0 units, if you are a student with a permanent disability). You are full-time? Great! Follow our step-by-step OSAP guide:


1. Apply online at https://ontario.ca/osap

We recommend submitting your application by the end of June to ensure your OSAP is processed and ready to go for September. You can still apply after this date, however, your funding may be delayed. Check the Important Dates page for final deadline dates.

2. Upload required documents directly to your OSAP account

At the end of your application, upload any required documents to your OSAP account.

3. (New applicants only) Print your Master Student Financial Assistance Agreement (MSFAA) and take it to an authorized Canada Post office

Take your MSFAA, banking information, government issued photo ID, and proof of your social insurance number in person to one of the authorized Canada Post offices. (Note: only Canada Post offices on this list are authorized to process MSFAAs).

4. Receive your assessment

Approximately three days after you apply, you will receive your assessment - OSAP will email you when it’s ready. Don’t want the loan portion? Log in and select the “no loan option” to receive grant-only funding. Not getting enough OSAP funding? You might be eligible for an OSAP review.

5. Ryerson will confirm your enrolment to release your first installment (September)

The week of August 30th, Ryerson will begin confirming enrolment for the Fall term. When you have been confirmed, you will see an update on your OSAP account. Keep an eye on your bank account – OSAP should deposit 4-6 business days after confirmation.

6. Check your RAMSS account to make sure your tuition is paid (September)

Did you ask to have your OSAP redirected to Ryerson? Check your RAMSS account to make sure your funds arrive. OSAP doesn’t cover all your fees? Remember to pay the outstanding balance by the beginning of October (when monthly interest of 1.25% will begin). 

Did you ask to have your OSAP sent to your bank account? Remember to pay your tuition fees before the beginning of October (when monthly interest of 1.25% will begin). Need help setting up online banking? Check out the Fee Payments page.  

7. Check your email and OSAP message centre

You may receive communications by email - and your OSAP message centre - regarding your file throughout the year. Mid-year, OSAP may also request additional information to determine your eligibility for extra grant funding.

8. Ryerson will confirm your enrolment to release your second installment (January)

The week of December 20th, Ryerson will begin confirming enrolment for the Winter term. When you have been confirmed, you will see an update on your OSAP account. You can expect to receive your OSAP in the first week of January.

9. Check your RAMSS account to make sure your tuition is paid (January)

Did you ask to have your OSAP redirected to Ryerson? Check your RAMSS account to make sure your funds arrive. OSAP doesn’t cover all your fees? Remember to pay the outstanding balance by the beginning of February (when monthly interest of 1.25% will begin).   

Did you ask to have your OSAP sent to your bank account? Remember to pay your tuition fees before the beginning of February (when monthly interest of 1.25% will begin). Need help setting up online banking? Check out the Fee Payments page.  

10. Pass your courses

We check your academic progress. As an OSAP recipient, you are expected to pass 60% of a full course load, or 3.0 units per term (40% or 2.0 units, if you are a student with a permanent disability). Don’t worry – we’re not checking your academic average; progress is assessed on a pass/fail basis. If you don’t pass 3.0 units per term, you may be placed on academic probation.

11. Receive OSAP again or apply for interest-free status or enter repayment

If you’re returning to full-time studies - within six months of the end of your study period - you have two options to stay out of repayment and maintain interest-free status:

  1. Apply for OSAP again. When we confirm your enrolment, the loan center is notified that you are still in full-time studies.
  2. Apply for interest-free status. If you don’t apply for OSAP again, you can submit a Continuation of Interest-Free Status application through your OSAP account online to keep your loans interest-free and defer repayment.

Not returning to full-time studies? Learn more about repaying your loans on the OSAP website.

   
  e.g. "Do I need to report scholarships on my OSAP?"