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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.

Graduate Studies

As a graduate student, your OSAP is assessed for the full year (Fall/Winter and Spring/Summer), but is released in two installments - September and January. When you receive your OSAP, plan to set funds aside to cover your Spring/Summer tuition fees (due in May).

Keep in mind that your OSAP entitlement is based on your income information, so if you receive graduate funding throughout the year, your assessment may change. If your OSAP does change, for any reason, you will receive notification through the OSAP system.

The Chang School Certificates

If you’re completing a certificate through The Chang School of Continuing Education, you can find awards and financial aid information specific to certificate programs on The Chang School of Continuing Education website.

You might also be eligible for government financial aid through the Ontario Student Assistance Program (OSAP). Below, you’ll find a complete list of Certificate Programs approved for OSAP, out-of-province loans and Continuation of Interest-Free Status.

  • Aboriginal Knowledge & Experiences
  • Accounting and 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
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.

Required Co-op/Internship Work Terms:
(*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.

Optional Co-op/Internship Work Terms:
(*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

You can apply for OSAP funding while you are participating in the Fresh Start program - we’ve provided term-specific information below. If you’re new to Fresh Start, you might also find the Frequently Asked Questions page helpful.

First Term
In the first term of the Fresh Start program, you can take up to 2.0 units for your program, making you eligible for the Part-Time OSAP program (if you have a disability and are taking 2.0 units, you are considered full-time and can submit a Full-Time OSAP application). As part of the Fresh Start Program, you are also required to enrol in CIFS 100: Fresh Start Strategies — please note that this course is not covered by OSAP. In addition to OSAP funding, we encourage you to apply for bursary assistance through Ryerson - we’ll see if there’s anything else we can do to help.

Did you have previous OSAP loans? If so, your loans may enter repayment (you aren’t eligible for Continuation of Interest-Free Status with a part-time course load). You do, however, have a six month grace period before you enter repayment (starting from the last study period end date on your Full-Time OSAP file). You can also apply for the Repayment Assistance Plan through the National Student Loans Service Centre (NSLSC) to be considered for a reduced monthly payment or no payment at all. Get in touch with the NSLSC at 1-888-815-4514 or create an online account to access your OSAP repayment information and to apply for RAP.

Second Term
In the second term of the Fresh Start program, you can take a full-time course load and apply for Full-Time OSAP funding (or Continuation of Interest-Free Status if you do not wish to receive OSAP, but would like to keep previous loans interest-free).

Students Living with Disabilities

If you have a permanent disability, OSAP will provide additional financial support. 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


After you apply for OSAP, you can register with Ryerson's Academic Accommodation Support and provide any disability documentation outlined on your OSAP application. If you have any questions about the process, please let us know - we’ll be happy to help.

As part of the OSAP program, you will be automatically considered for the Canada Student Grant for Persons with Permanent Disabilities. To be considered for additional disability-related support, we also recommend applying for the Ontario Bursary for Students with Disabilities (BSWD) and Canada Student Grant for Services and Equipment for Persons with Permanent Disabilities (CSG-PDSE).

Aboriginal Students

Start by applying for funding through your First Nations. If you need additional assistance, we encourage you to apply for OSAP as well. As an Aboriginal student, you can now expect to receive more generous support through OSAP - if you receive First Nations funding, it won’t be considered when determining how much OSAP you’re eligible for. Ryerson also offers financial assistance through scholarships and bursaries - check out Ryerson's Aboriginal Student Services for more information.

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.

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. For the 2018-2019 academic year, please indicate August 20, 2018 as your program start date and April 27, 2019 as your program end date.

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)
     

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 Carly Basian at cbasian@ryerson.ca.