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Student Access Guarantee (SAG)

If you’re academically qualified for university and are an Undergraduate, Graduate, or Chang School student receiving full-time OSAP, you may qualify for Student Access Guarantee (SAG), a non-repayable bursary to assist with your educational costs.

For most students, OSAP covers the full assessed financial need for tuition, books, compulsory fees, equipment and supplies. If it doesn’t, then SAG can help.

Each student is automatically assessed for SAG based on the information provided on your OSAP application, including your educational costs for your program and year of study (e.g. tuition, books, compulsory fees, equipment, and supplies).

To be considered for SAG, make sure you complete your income update when you are prompted to through your OSAP application. Please note that filling in the income update does not necessarily mean you will receive SAG, but the income update must be completed before the deadlines noted in the income update form in order to be considered.

You'll receive a communication through your OSAP portal when you need to provide your income update, usually around September/October. Then, we’ll take a look to see if you’re eligible. If you are eligible, we will either deposit the funds directly to your student account (RAMSS) if you have tuition fees owing, or a cheque will be sent to your mailing address as it appears on RAMSS if you don't. If you have received SAG funding, we’ll get in touch through your Ryerson email to let you know.

Typically, SAG is disbursed in one disbursement for the academic year, usually in early December. If you are only attending full-time studies in the Winter and/or Spring/Summer term(s), SAG will be disbursed around the middle of the semester.

Please note that if there are changes to your course load after you have received SAG, it may affect your SAG disbursement.