Skip to main content

Full-Time OSAP

The Ontario Student Assistance Program (OSAP) provides loans and grants to help you come to university. You might even qualify for free tuition! Visit the OSAP websiteNew window to learn more and see if you’re eligible. If you’d like an early estimate, review the OSAP Aid EstimatorNew window to help you plan ahead.   

The program changes slightly from year to year (it keeps getting better!), so check out our guides below - they’ll tell you everything you need to know. You can also visit the OSAP How To Apply guideNew window to get started on your application!

2018-2019 Full-Time OSAP

The Ontario Student Assistance Program (OSAP) provides loans and grants to help you come to university. For Full-Time OSAP, you need to take a 60% course load, or 3.0 units per term (40%, or 2 units, if you have a disability). If you are taking less than that, you can apply for Part-Time OSAP. Follow our step-by-step guide for full-time OSAP below:

1.a. Check the Information by Student Group page

Although the OSAP process is the same for most students, we do have some additional information for specific student groups. Please review the information on the linked page before you start your application.

1.b. Apply for OSAP online

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. Receive your assessment

Approximately three days after you apply, you will receive your assessment - OSAP will email you when your assessment is available. 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.

You can also visit the After You Apply for OSAP websiteNew window for more information about what happens after you upload required documents receive your assessment.

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

Starting the last week of August, 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 5-10 business days after confirmation.

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

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).  

6. 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.

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

The week before the annual mid-year closure, 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.

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

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).    

9. Pass your courses

We check your academic progress at the end of every school year. 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.

10. 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 onlineNew window to keep your loans interest-free and defer repayment.

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

2019-2020 Full-Time OSAP: Coming from an Ontario High School

Welcome to Ryerson, we’re excited to have you here! We highly recommend applying for OSAP (the Ontario Student Assistance Program) as you’ll be considered for grants (money you don’t have to pay back) and loans (that are interest-free while you are studying full-time). You can get all the details on the OSAP websiteNew window and follow this step-by-step guide throughout the year.

Should I apply for Full-Time or Part-Time OSAP?
If you’re applying in January, you won’t know your course load yet. Don’t worry, you can use an estimate which we’ll update later. For now, you just need to know if you’re going to be studying full time or part time.

At Ryerson, a full (100%) course load is 5.0 units a term. If you’re planning to take 3.0 units (a 60% course load) or more, you’ll submit a Full-Time OSAP application (40% or more if you have a disability). If you are taking less than that, you can apply for Part-Time OSAP. If you’re applying for Full-Time OSAP, follow our step-by-step guide:

1.a. Check the Information by Student Group page

Although the OSAP process is the same for most students, we do have some additional information for specific student groups. Please review the information on the linked page before you start your application.

1.b. Apply to Ryerson through the OUAC

The deadline to submit your completed 101 application form to the Ontario Universities’ Application Centre (OUAC) is in January, however the OUAC still process applications received after this date as specific university deadlines will apply. Learn more at www.ouac.on.caNew window.

For Ryerson, February 1 is the guaranteed consideration date for all programs.

2. Apply for OSAP

When you’ve completed your OUAC application, you will be linked directly to the OSAP website and your program and university information will transfer over.  You don’t necessarily have to apply for OSAP in January, but we do recommend getting your application in early - the sooner you apply, the sooner you’ll get your estimates.

3. Receive your estimates

After you apply, you’ll receive estimates for each of the schools you've applied to. Keep in mind that these are estimates - they will give you a rough idea of how much you’ll get, but your actual assessments will come later.    

4. Receive your actual assessments (early 2019)

In early 2019, you’ll get your actual OSAP assessments, allowing you to better plan for the year. Not getting enough? Let us know - there are a number of reviews we can do so your assessment more accurately reflects your circumstances (e.g. review your living allowance, commuting costs, or significant changes to your parents' reported income).

5. Your scholarships will appear on your assessment (Spring)

If you receive a scholarship or award from Ryerson, we’ll add it to your assessment. You’ll be able to see your OSAP, scholarships and awards all in one place. The system will even do the math for you, letting you know if you qualify for free tuition.    

6. Upload your required documents (Spring)

In the spring, you will be asked to log back in and upload required documents. Keep an eye on your email - you’ll be notified when it’s time.

7. Check back here

We’ll be updating this guide, providing a complete roadmap for your year at Ryerson.

Find answers to everything Ryerson-related including OSAP at ask.ryerson.ca. We regularly update the site so you can find what you’re looking for fast.


2019-2020 Full-Time OSAP: Returning Ryerson Students

If you’ve had OSAP before, you already know about the generous grants and interest-free loans available through the Ontario Student Assistance Program. Grant-only funding is also an option.

For Full-Time OSAP, you need to take a 60% course load, or 3.0 units per term (40%, or 2 units, if you have a disability). Follow our step-by-step guide for Full-Time OSAP below:   

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

The application for 2019-2020 will be available in the coming months. Stay tuned for updates.

2. Receive your estimates

After you apply, you’ll receive a rough estimate to help you plan for the year (your actual assessment will come later).

3. Receive your actual assessment (Spring)

When we upload the 2018-2019 program costs to the system, you’ll receive your actual OSAP assessment.    

4. Upload your required documents (Spring)

In the Spring, you will be asked to log back in and upload required documents. Keep an eye on your email - you’ll be notified when it’s time.

5. Check back here

We’ll be updating this guide, providing a complete roadmap for your year at Ryerson.

Find answers to everything Ryerson-related including OSAP at ask.ryerson.ca. We regularly update the site so you can find what you’re looking for fast.