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Information by Student Group

Student Financial Assistance has organized information here by student group to assist you in answering some more common questions that students ask. You may also benefit from reviewing the other areas of the website.

Undergraduate Studies

Students in an undergraduate program at Ryerson may benefit from reviewing these sections of the Student Financial Assistance website for additional information: OSAP Government Student Aid, Bursaries & Grants and Employment for Students. The Registrar’s Office also hosts an Awards and Scholarships webpage with additional information on entrance scholarships, faculty wide awards and program specific awards.

Your full-time or part time status is not determined by the part-time or full-time program you are enrolled in at Ryerson.

To be considered a full-time student:

  • You must be enrolled in a minimum of 3 billing units (per term) for at least 12 weeks. This is considered a 60% course load.
  • If you self-identify as a student with a Permanent Disability you must be enrolled in a minimum of 2 billings units for at least 12 weeks. This is considered a 40% course load. Students who self-identify will be required to complete the necessary steps in order to substantiate their Permanent Disability.


To be considered a part-time student:

  • You must be enrolled in 1-2 billing units (per term) for at least 12 weeks. This is considered a 20-40% course load.
  • If you self-identify as a student with a Permanent Disability you must be enrolled in 1 billing unit for at least 12 weeks. This is considered a 20% course load. Students who self-identify will be required to complete the necessary steps in order to substantiate their Permanent Disability.


Based on the OSAP requirements, you may be a part-time student for one term, and a full-time student for another term. If this is the case you would need to submit a separate application for each term.

It is important to enter your correct course load on your financial aid application as your tuition, compulsory and book costs in the assessment are calculated based on your course load. Incorrect course load information will delay your funds.

Graduate Studies

Students in a graduate program at Ryerson may benefit from reviewing these sections of the Student Financial Assistance website for additional information: OSAP Government Student Aid, and Student Access Guarantee. The Graduate Studies website also hosts a Money Matters webpage with additional information on scholarships and awards, assistantships and additional funding support.

The most significant difference between receiving OSAP as an undergraduate student versus a graduate student is that graduate students are assessed for a full academic year (Fall, Winter and Spring/Summer). This 51 weeks of funding is dispersed in two portions, 60% in the Fall and 40% in the Winter. Students should be aware that Ryerson bills students per term so students will need to set aside 33% of their total funding to cover tuition fees and related educational expenses for the Spring/Summer term. They will not receive additional OSAP funding in May.

A student who indicates on their OSAP application that they wish the funding to go directly to Ryerson should be aware that from the 60% Fall disbursement, it will only pay their Fall tuition fees. The 40% Winter disbursement will only pay their Winter tuition fees. The student will be responsible for monitoring their RAMSS account and will need to use the funding they set aside to pay Ryerson for the Spring/Summer fees which are due in May.

Adjustments to your OSAP funding may occur if awards, scholarships, bursaries or stipends are or will be disbursed over the current academic year. These types of payments will affect your total OSAP funding and Student Financial Assistance will make adjustments to your OSAP information regardless of whether or not you report these payments to the Student Financial Assistance office.

The Chang School Certificates

Students in a certificate program through The G. Raymond School of Continuing Education may benefit from reviewing these sections of the Student Financial Assistance website for additional information: OSAP Government Student Aid. The G. Raymond Chang School of Continuing Education website also hosts an Awards and Financial Aid webpage with additional information on awards, need-based financial aid and The Lifelong Learning Plan (LLP).

For a list of eligible programs please review the list of Certificate Programs Approved for OSAP/Out-of-Province Loans & Continuation of Interest Free Status:

  • Aboriginal Knowledge & Experiences
  • Accounting Finance
  • Advanced Accounting
  • Advanced Safety Management
  • Accessibility Practices: AODA and Beyond
  • Business Decision Analysis
  • Business Communication
  • Business French and Translation
  • Business Management - Level 1
  • Canadian Social Work Practice (Internationally Educated Social Worker)
  • Caribbean Studies
  • Community Engagement Leadership and Development
  • Criminal Justice and Criminology
  • Economics
  • Economics and Finance
  • English Literature and Popular Culture
  • Enterprise Architecture & Infrastructure Management
  • Entrepreneurship & Small Business
  • Ethics
  • Film Studies
  • Financial Planning
  • Financial Math Modelling
  • Gerontology
  • Graphic Communications
  • Global Management Studies
  • Health Informatics
  • Health Services Management
  • Health Studies
  • Human Resources Management
  • Image Arts - Film Studies or Photography Studies
  • Information Systems Management
  • Interdisciplinary Studies in Nonprofit & Voluntary Sector Management
  • Internationally Educated Engineers Qualification Bridging (IEEQB)
  • Internationally Educated Profession in Nutrition
  • Intensive Film Studies
  • Intensive Photography Studies
  • Leadership in Organizations
  • Lighting Design
  • Media Writing Fundamentals
  • Mental Health and Addiction
  • Music: Global and Cultural Contexts
  • New Studies
  • Occupational Health & Safety
  • Photography Studies
  • Proficiency in French
  • Proficiency in Spanish
  • Psychology
  • Public Administration and Leadership
  • Retail Management 
  • Social Sciences & Humanities Foundation
  • Strategic Marketing Management

Ryerson considers all Certificate students to have part-time status. For OSAP purposes part-time and full-time status is dependent on your course load. Please carefully review the information to determine if you are eligible to apply for OSAP funding as a part-time or full-time student.

To be considered a full-time student:

  • You must be enrolled in a minimum of 3 billing units (per term) for at least 12 weeks. This is considered a 60% course load.
  • If you self-identify as a student with a Permanent Disability you must be enrolled in a minimum of 2 billings units for at least 12 weeks. This is considered a 40% course load.


To be considered a part-time student:

  • You must be enrolled in 1-2 billing units (per term) for at least 12 weeks. This is considered a 20-40% course load.
  • If you self-identify as a student with a Permanent Disability you must be enrolled in 1 billing unit for at least 12 weeks. This is considered a 20% course load. Students who self-identify will be required to complete the necessary steps in order to substantiate their Permanent Disability.


Based on the OSAP requirements, you may be a part-time student for one term, and a full-time student for another other term. If this is the case you would need to submit a separate application for each term.

It is important to enter your correct course load on your financial aid application as your tuition, compulsory and book costs in the assessment are calculated based on your course load. Incorrect course load information will delay your funds.

Co-op and Internship Programs

Completing an internship or co-op work term? You might be eligible for OSAP funding or interest-free status on previous loans! To qualify, your work term must be required as part of your program (optional work terms are not eligible). Check the lists below for "required" and "optional" work terms.

You've got two OSAP options:

  1. Apply for OSAP
    You will be considered for OSAP funding, including a living allowance, while on work term.
  2. Apply for Continuation of Interest-Free Status
    Don’t want OSAP? Keep previous loans interest-free, and out of repayment, by applying for Continuation of Interest-Free Status on the OSAP website. Apply at the start of term – we’ll confirm your enrolment to let the loan centre know your status.

(*Note: list is currently being reviewed)

  • Accounting and Finance
  • Architectural Science
  • Biology
  • Business Management
  • Business Technology
  • Chemical Engineering
  • Chemistry
  • Child and Youth Care
  • Computer Science
  • Contemporary Science
  • Early Childhood Education
  • Economic and Management Science
  • Fashion Communications
  • Fashion Design
  • Financial Mathematics
  • Geographic Analysis
  • Graphic Communications Management
  • Global Management Studies
  • Hospitality and Tourism
  • Human Resources
  • Interior Design
  • Law and Business
  • Mathematics and its Application
  • Medical Physics
  • Occupational and Public Health (Occupational Health and Safety)
  • Occupational and Public Health (Public Health and Safety)
  • Real Estate Management
  • Retail Management
  • Sports Media

Although you aren’t eligible for OSAP funding, you can apply for the Repayment Assistance Plan (RAP) if your previous OSAP loans enter repayment.  

Work term shorter than six months? Don’t worry about it – you won’t enter repayment.

Work term longer than six months? You will enter repayment - but not until the end of your six month grace period. During this period, the National Student Loan Service Centre (NSLSC) will get in touch and provide you with more information about RAP.

Returning to full-time studies after your work term? Remember to either apply for OSAP or Continuation of Interest-Free Status. When we confirm your enrolment, your loans will return to interest-free status and you won’t be expected to make payments.

(*Note: list is currently being reviewed)

  • Aerospace Engineering
  • Biomedical Engineering
  • Civil Engineering
  • Graphic Communications Management
  • Computer Engineering
  • Electrical Engineering
  • Environmental and Urban Sustainability
  • Industrial Engineering
  • International Economics
  • Journalism
  • Mechanical Engineering
  • Media Production
  • New Media
Fresh Start Program

If you were 'Required to Withdraw’, have sat out your required term and are interested in participating in the Fresh Start Program OSAP may be available. The Office of the Registrar website also hosts an FAQ - Students Assigned an RTW Standing webpage with additional information.

Students enrolled in the first term of the Fresh Start Program may be eligible for part-time OSAP funding. Continuation of Interest Free status will not be available to Fresh Start students in the first semester because students are not studying full-time.

  • Students are eligible to apply for funding for the 2 courses from their current program.
  • Students must register in CIFS 100 but the cost of this course will not be covered by OSAP part-time funding.
  • Students who are interested in changing programs and are enrolled in courses that are not part of their current program will not be eligible for OSAP part-time funding. (eg. Request for Fresh Start Transfer).
  • Students can apply for OSAP part-time funding through the OSAP website.
  • All students enrolled in Fresh Start are considered to be on OSAP Academic Probation (this is different from Ryerson’s Academic Probation). As a result you are required to complete an PDFAcademic Probation Letter and upload it as part of your OSAP application.
  • Signature and supporting documentation must be submitted by the deadline date, 42 days prior to the study period end date.

Students enrolled in the second term of the Fresh Start Program may be eligible for full-time OSAP funding. Students who have prior loans, who do not wish to apply for OSAP but are studying in a full-time course load are eligible to apply for Continuation of Interest Free Status (CIFS) for their second term.

  • Upon successful completion of the courses taken in the first term, Students can apply for OSAP full-time funding through the OSAP website.
  • The minimum required course load is 60% (3 billing units). The minimum for students with a Permanent Disability is 40% (2 billing units).
International Students

The International Student Support website has Financial Assistance information specific to International Students.

The Graduate Studies website also hosts a Money Matters webpage with additional information on scholarships and awards, assistantships and additional funding support.

The G. Raymond Chang School of Continuing Education website also hosts an Awards and Financial Aid webpage with additional information on awards and need-based financial aid.

The Registrar’s Office also hosts an Awards and Scholarships webpage with additional information on entrance scholarships, faculty wide awards and program specific awards.

Out-of-Province Students

In order to qualify for OSAP (Ontario Student Assistance Program), students must meet one of the following criteria:

  • You have always resided in Ontario
    OR
  • Ontario is the last province you resided in for 12 consecutive months without being a full-time postsecondary student.


Students who do not meet OSAP’s Ontario residency requirements should apply for funding with their home province or territory. For a list of contact information please visit the Provincial and Territorial student financial assistance offices website.

Please carefully review the eligibility requirements specific to the province or territory you are applying for. These may be different from the OSAP requirements listed on Ryerson’s Student Financial Assistance website.

For questions related to Out-of-Province funding please feel free to contact funding@ryerson.ca.

US Financial Aid

U.S. citizens and permanent residents of the U.S. interested in applying for federal student aid under the Direct Loan program. Students studying outside the U.S. are not eligible for any federal student aid grants and the U.S. work study program. For additional information please the FAFSA Website.

Registration and Course Load: You must be a full time student to be eligible for your loans. A full time course load is defined as a minimum 3 billing units per term or 2 billing units per term for students with a permanent disability.

Satisfactory Academic Progress (SAP): Students are required to maintain satisfactory academic standing in their program of study as established by Ryerson to continue to be eligible for their US loans. SAP is defined as a clear academic standing and cumulative GPA greater than 2.0. Failure to do so may result in suspension of further financial aid.

As a foreign school, Ryerson University is only eligible to participate in the Direct Loan Program. Yearly maximum loan amounts are listed on page 4 in the U.S Department of Education resource publication, Funding Education Beyond High School: The Guide to Federal Student Aid.

IMPORTANT - The Budget Control Act of 2011 eliminated subsidized loan eligibility for graduate and professional students for loan periods/periods of enrolment beginning or after July 1, 2012. The unsubsidized loan limit for graduate/professional students is $20,500 per academic year.

Your eligible Direct Loan amount is calculated by the following formula:

The Cost of Attendance = (COA) - (EFC) - (EFA)

The Cost of Attendance (COA) includes tuition, books, supplies, living expenses, personal expenses and transportation costs for the eight month or 12 month period while you will be in school.

The Expected Family Contribution (EFC) is based on the student's (and if applicable, the student's family's) income and assets, as reported on the FAFSA form. The EFC is reported on the SAR and the Institutional Student Information Record (ISIR). It is based on an eight months period of enrolment.

The Estimated Financial Assistance (EFA) usually takes the form of scholarships, grants, loans or work that is awarded on the basis of postsecondary enrolment.

Alternative/Private Loans: These loans provide supplemental funding above the Federal Direct Loans. Students should apply for the Stafford loan first and then apply for additional funding. Students may borrow up to their cost of attendance minus any financial aid that they receive for that year. This is a credit based loan program, thus students must have a satisfactory credit history in order to qualify. Alternative loans have different interest rates, fees and repayment options than US government loans.

Sallie Mae offers the Private Smart Option Student Loan and more information can be found on the Sallie Mae Website.

Your eligible loan amount is calculated by the following formula:

  1. Complete the FAFSA Application (School code: G10720). For more information, please visit the FAFSA help guide.
  2. As part of this process you will be required to complete an online Master Promissory Note (MPN) form for each type of loan you wish to apply for and complete the Financial Awareness Counselling.
  3. Print and Complete the following:
  4. Submit all supporting documentation to Student Financial Assistance by fax, email or mail to:
    Ryerson University
    Student Financial Assistance
    350 Victoria St. POD 59
    Toronto, ON M5B 2K3
    Canada

    Attention Susanna Lau, susanna.lau@ryerson.ca
    Fax: 416-979-5081
  5. Once your government loan is certified by Ryerson we will email you your eligible loan amount for the year. You will use this email as proof of funding for your study permit or Student Visa.
  6. All official Ryerson communication will be communicated to students through their Ryerson email address. As a new student, you will need to activate your RAMSS account in order to create a Ryerson email address (after the first week of August).
  7. Funds will be posted to your RAMSS Student Account at the beginning of each of your enrolled terms. All loans amounts issued are in US dollars. The US exchange rate is effective the day the funds are posted to your account.

Dual citizenship students (U.S. and Canadian): Students cannot apply and receive government student funding from more than one country per year. U.S. Students must declare all resources (bursaries, scholarships, grants, loans, and awards) on the Program and Personal information form. Failure to provide accurate and complete information will result in cancellation of funding and all/ some funds will need to be returned.

Department of Veteran Affairs: Ryerson University does participate in the VA's GI bill benefits programs. Apply online on the U.S. Department of Veterans Affairs website. Maximums allowed under this program are listed on the Tuition and Fee Payment charts. Please contact Susanna Lau, susanna.lau@ryerson.ca to ensure that your program has been approved for VA benefits. Programs are approved for in-residence training (on campus) only. The VA does not award benefits for distance learning, independent study or exchange programs and internships abroad courses.

Nursing (CE, Undergraduate and Graduate level): These programs are ineligible for Federal Direct loans.

Important notice about distance ed/online courses: If any component of a course is delivered online, through videos, tapes or via any other electronic media, students will lose the entire federal loan funding for their entire year of study. Any course which does not include an in-person classroom interaction between student and lecturer/tutor is ineligible for US federal loan funding.

Important notice about exchange/internship programs: If any component of a program is taken at a partnering institution as an exchange program please be aware that students will lose the entire federal loan funding for their entire year of study. International exchanges and internships do not qualify for Federal Student Aid

Loans from previous study periods may be deferred while you are studying full time. Students should review the Federal Student Aid website for details on deferment.

Consolidating Loans: You may be able to combine your existing Federal education loans into one new consolidated loan. A Direct Consolidation Loan has a fixed interest rate based on the weighted average of the interest rates of the loans consolidated. To learn more visit the Direct Loan Consolidation center website or call them at 1-800-557-7392.

Regulations for US Loan Recipients

Important: As per regulation #34 CFR 600.51(d), students taking online courses are not eligible to receive US Direct Loans.

Course load
Students must be registered full-time (minimum 3 billing units per term) to maintain loan eligibility. A student may drop to a minimum half-time status (2 billing units) and still maintain eligibility, however for immigration purposes, international students are expected to maintain full-time status.

If you will be registered less than full-time, contact International Student Support to ensure there will be no difficulties with your immigration status.

Satisfactory Academic Progress (SAP)
The US government regulations (Satisfactory Academic Progress for Financial Aid Eligibility, Federal Regulation - 34 CFR 668.34) stipulate that students must maintain certain academic standards in order to remain eligible for all types of US Direct Loans.

The Satisfactory Academic Progress Policy (SAP) applies to all students applying for US Direct Loans under Title IV of the US Higher Education Act. These types of loans include Direct Loans (Subsidized and Unsubsidized), Direct Parent PLUS and Direct Grad PLUS loans.

All students will have their academic progress reviewed at the end of each academic year. Students who have not fulfilled the SAP requirements will not be eligible for US Direct Loan funds for the subsequent academic year(s).

To maintain US Direct Loans eligibility, students must fulfill these 3 requirements:

  • Complete 60% of all credits attempted, and
  • Maintain a Cumulative Grade Point Average (CGPA) of 1.67 or higher and a clear academic standing
  • Complete your degree within 150% of the published length of your degree completion time (For example, completion of a four-year degree within six years)


Maximum Timeframe Eligibility
Students who have taken more than 150% of the published length of degree completion time are not considered to have fulfilled SAP requirements and therefore, become ineligible for US Direct Loans at Ryerson University for that degree.

Published Length of Degree
Maximum Years to Complete Program While Receiving US Direct Loans
1 year 1.5 years
2 years 3 years
4 years 6 years
5 years 7.5 years
6 years 9 years

US federal aid regulations mandate a Return to Title IV Funds (R2T4) calculation when a student receiving Title IV financial aid withdraws from the University. If a student never attends, ceases enrollment, or withdraws from all courses in the semester and the student received US federal financial aid, the college must determine if these funds are required to be returned to the US government within 45 days of the date of withdrawal.

The R2T4 calculation may result in a reduction of the student’s US federal loan(s) if the student attended less than 60 percent of the semester. The R2T4 calculation is based on the following:

  • The number of days the student attended
  • The number of days in the semester
  • The institutional charges assessed
  • The total amount of US Direct Loan aid awarded accepted and/or disbursed.


As a result, Ryerson and the student may be required to return any "unearned" US federal aid received. Ryerson may be obligated to return funds on behalf of a student.

If the amount of the loan funds returned exceeds any existing credit on the student’s account,the student will owe the funds to the University. The student should make arrangements with Ryerson's Collections office to repay the outstanding amount to the University as soon as possible.

A letter from the Financial Aid Office will be sent via a student’s Ryerson email address indicating the type and amount of aid returned to the U.S. Department of Education on their behalf.

Funds returned to the U.S. Department of Education on behalf of a student are used to repay the current year’s loans in the following order:

  1. Unsubsidized US Direct Loan
  2. Subsidized US Direct Loan
  3. Parent PLUS for Undergraduate students
  4. Grad PLUS for Graduate students

As per the Higher Education Opportunity Act (HEOA) of 2008, the US government requires institutions offering US Direct Loans to disclose PDFConsumer Information. If you require further information about the content, please contact us.

US Department of Education regulations state that a school must return loan funds if a student has not completed a minimum of 60% of the payment/enrollment period.

If a student received more loan funding than was "earned," the excess funds must be returned by the school and/or the student. The amount of money to be returned is determined by a calculation that includes the number of school days completed and the amount of institutional charges fees paid ("Return to Title IV" Calculation).

If you withdraw from Ryerson, you may be required to:

  • Repay the school any "unearned" US Direct Loan funds that the University returned on your behalf (as stipulated by US Department of Education regulations), and/or
  • Repay part or all of your loan(s) to the designated servicer


If the student did not receive all of the funds that were earned, the student may be eligible for a post-withdrawal disbursement.

Once a student's tuition and ancillary fees are paid, refunds of remaining funds are available for payment of book and living expenses.

To request a refund, please login to your RAMSS account and submit a Refund Request.

Exit Counseling provides students with information about repayment plans. It is mandatory for all graduating students with subsidized, unsubsidized and PLUS loans.

Online Exit Counselling must be completed during the final semester of studies and prior to graduation. An acknowledgement will be sent to the University upon completion. If you withdraw from the University, you are obligated to fulfill this requirement.

Study Abroad Students
Students participating in a Study Abroad Program are NOT eligible to receive US Financial aid or alternative loans through Ryerson. You will be paying your tuition fees to the other school (abroad). You must therefore make arrangements with that school for financial aid.

Exchange Students
US students studying on an official Ryerson exchange are considered to be Ryerson students for US Financial Aid. This means that:

  • you pay tuition and fees to Ryerson
  • you apply for US loans following Ryerson procedures


IMPORTANT! US Department of Education regulations stipulate that you can receive US Direct Loans while on exchange only if:

  • you attend a school that participates in the US Direct Loan Program, and
  • the school attended is located outside of the US

The US Federal School Code List (updated quarterly) will determine whether your intended international exchange school participates in Title IV Federal Student Aid Programs.

If you are not eligible to receive subsidized/unsubsidized/PLUS loans while on exchange, you may wish to explore a Sallie Mae Loan.

Research Students
According to US government regulation, Ryerson students are not eligible for US Direct Loans if research, work, internship, externship or special study is performed in the US. Students intending to pursue any portion of their program in the US or a foreign country should communicate with our Financial Aid office.

Students Living with Disabilities

For OSAP purposes, a permanent disability is legally defined as a functional limitation:

  • Caused by a physical or mental impairment that restricts your ability to perform the daily activities necessary to participate in studies at a postsecondary level or in the labour force
  • Is expected to remain with you for your expected life


Students are not required to submit a separate application for the Canada Student Grant for Persons with Permanent Disabilities. You will be asked to self-identify as part of the OSAP application process and will be required to complete the necessary steps in order to substantiate your Permanent Disability.

For help with disability-related educational services and equipment you are required to submit an PDFOntario Bursary for Students with Disabilities (BSWD) Canada Student Grant for Services and Equipment for Persons with Permanent Disabilities (CSG-PDSE) Form.

Additional information on specialized help if you are having trouble repaying a student loan is provided on the students in special circumstances section of the OSAP website.

Aboriginal Students

Students should apply for band funding if they are eligible, prior to applying for OSAP. If your band’s funding does not cover all of your costs, you should apply for OSAP. Any band funding will be taken into account when you apply for OSAP.

Additional funding programs for Aboriginal students are provided on the students in special circumstances section of the OSAP website.

Crown Wards

Students who are current or former Crown wards may be eligible for additional financial assistance for their studies and application fees. Details are outlined on the students in special circumstances section of the OSAP website.

Students are not required to submit a separate application for grants available to Crown wards. You will be asked to self-identify as part of the OSAP application process.

Law Practice Program (LPP)

As a candidate in the Ryerson Law Practice Program (LPP), you are not eligible for OSAP funding. You are, however, eligible for interest-free status – and suspended repayment - on previous OSAP loans during the Training Component (September to December) and unpaid Work Placements. If you are in an unpaid Work Placement, you will be required to submit a separate application at the beginning of your Training Component and your Work Placement.

To apply, log on to your account at ontario.ca/osap and complete the Continuation of Interest Free Status (CIFS) Application. You can apply as early as 15 days before the first day of your program and we recommend applying as soon as possible to suspend repayment.

Can’t remember your OSAP login? Click the "Forgot OAN and/or password" link to attempt an email reset.

Don’t have a validated email account with OSAP? Drop by a financial aid office at any university or college in Ontario. At Ryerson, we can reset your password at the ServiceHub, located in POD150.

To prove your identity, you will need:

  1. Valid, government-issued photo ID
  2. Government-issued proof of your Social Insurance Number (eg. Your SIN card, or confirmation of SIN from Service Canada, or your Notice of Assessment from CRA (bearing your full SIN), or a CPP statement of contributions. Please note that T4, T4a and T5 documents cannot be accepted for this purpose)

In a paid Work Placement? You can apply for the Repayment Assistance Plan (RAP) through the National Student Loans Service Centre (NSLSC). Depending on your income, you may be eligible for a reduced monthly payment or no payment at all. Contact the NSLSC for more information at 1-888-815-4514. RAP applies to OSAP and student loans from out-of-province, within Canada.

Questions? Ryerson's Student Financial Assistance team will be available during LPP's August In-Person Week to answer questions and reset passwords (specific dates/times will be provided by the LPP). You are also welcome to contact Anik Powell at 416-979-5000, ext. 7659 or anik.powell@ryerson.ca.