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Full-Time OSAP

The Ontario Student Assistance Program (OSAP) provides loans and grants to help you come to university. Visit the OSAP website, external link, opens in new window to learn more and apply! If you’d like an early estimate, review the OSAP Aid Estimator, external link, opens in new window to help you plan ahead.   

The program changes slightly from year to year, so check out our guides below—they’ll tell you everything you need to know. You can also visit the OSAP How To Apply guide, external link, opens in new window to get started on your application!

2020-2021 Full-Time OSAP

The Ontario Student Assistance Program (OSAP) provides loans and grants to help you come to university. If you are taking three or more courses per term (or two or more courses per term if you have a permanent disability), you can apply for Full-Time OSAP. If you are taking less than that, please apply for Part-Time OSAP. Follow our step-by-step guide for full-time OSAP below.

*Note: Graduate students in a full-time program, regardless of their course load, must apply for full-time OSAP.

Can I be full-time and part-time in the same year?

Yes! If you were, for example, taking 1.5 courses in the fall and 3.0 courses in the winter, you would submit two applications—one for Part-Time OSAP and one for Full-Time OSAP. If you have questions about the process, be sure to let us know.

Follow our step-by-step guide below to apply for Full-Time OSAP!

How to Apply for Full-Time OSAP

We recommend submitting your OSAP application, external link, opens in new window and all required documents by late 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.

For final application and document submission deadlines, check out the Important Dates 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.

At the end of your application, scan and upload any required documents, external link, opens in new window to your OSAP account. Your required documents are listed on your OSAP application.

Document processing usually takes about 3 to 6 weeks from your date of submission for review, with longer processing times at the start of term (6 to 10 weeks). When your documents have been processed, you will receive a status update via your OSAP message centre.

Keep an eye on your OSAP message centre regularly—if we need anything else from you, we’ll be in touch through there.

Within a few days of applying, you will receive your funding estimate through your OSAP message centre. Please note that this estimate is based on unverified information, and may change once your application is fully processed.

When your documents have been processed, you will receive another funding update communication through your OSAP message centre. You can also visit the After You Apply for OSAP , external link, opens in new window page for more information on next steps.

Don’t want the loan portion of your OSAP funding? You can request the “no loan option” to receive grant-only funding—we encourage you to request this at the time of application on your OSAP funding summary page. If you change your mind, and wish to opt back in to the loan portion of your funding, let us know before the end of your term!

OSAP funding is always released in two instalments: September and January. Starting the last week of August, our Student Financial Assistance department will begin confirming enrolment for the fall term. When you have been confirmed, you will receive an update through your OSAP message centre notifying you that your OSAP funding has been released.

Funding will first be directed to your Ryerson student account (RAMSS) to be applied towards outstanding tuition. The remaining funding (if any) will be directed to your bank account. You can check your funding summary page for a breakdown of your OSAP assessment and funding disbursements. OSAP funding typically deposits fully within 5 to 10 business days after confirmation.

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

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.

The week back from the mid-year break (January), Ryerson will begin confirming enrolment for the winter term. When you have been confirmed, you will receive an update through your OSAP message centre notifying you that your OSAP funding has been released.

Funding will first be directed to your Ryerson student account (RAMSS) to be applied towards outstanding tuition. The remaining funding (if any) will be directed to your bank account. You can check your funding summary page for a breakdown of your OSAP assessment and funding disbursements. OSAP funding typically deposits fully within 5 to 10 business days after confirmation.

You can expect to receive your OSAP near the first week of classes.

A note for graduate students: if you are in a graduate program that ends in the summer, you will receive your final OSAP installment in January that covers both the winter and spring/summer terms. Be sure to budget accordingly.

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

We check your academic progress at the end of every school year. As an OSAP recipient, you are expected to pass 3 courses per term (2 courses, if you are a student with a permanent disability). Don’t worry — we’re not checking your academic average; OSAP academic progress is assessed on a pass/fail basis. If you don’t pass 3 courses per term, you may be placed on OSAP Academic Progress/Probation, external link, opens in new window.

Please note that OSAP Academic Progress/Probation is not the same as Ryerson Academic Probation.

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 full-time OSAP again. When we confirm your enrolment, the National Student Loan Service Centre is notified that you are still in full-time studies.
  2. Apply for interest-free status. If you don’t want to apply for full-time OSAP again, and will be continuing full-time studies, you can submit a Continuation of Interest-Free Status application through your OSAP account online, external link, opens in new 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 website, external link, opens in new window.