- What is OSAP?
- Am I eligible to apply for OSAP?
- How and when do I apply for OSAP?
- Do I apply for OSAP each year?
- How and when will I know if I am entitled to OSAP?
- How long does it take to process an OSAP application?
- If I am denied assistance this time, will I always be denied?
- What is a Master Student Financial Assistance Agreement?
- When will I get my OSAP money?
- What if my situation changes?
- What if my OSAP isn't enough to cover all my educational costs?
- How do I pay my tuition fees?
- What if I am late paying my tuition fees?
- How can I tell if I received an automatic tuition deferment?
- How do my tuition fees get paid if I did not give UOIT permission to redirect my OSAP to tuition?
- What is the National Student Loans Service Centre?
- How do I receive the balance of my OSAP after my tuition fees have been redirected to UOIT?
- How do I apply for the Ontario Tuition Grant?
- How do I apply for UOIT scholarships and bursaries?
- Who is eligible for a UOIT award?
- If successful, how do I get my award?
- Whom can I contact for more information?
The Ontario Student Assistance Program (OSAP) is a government program that provides financial aid to qualified Ontario students to help pay for education-related costs. OSAP offers two kinds of aid:
- Grants you do not have to pay back.
- Loans you must repay.
OSAP is open to any Ontario residents who is one of the following:
- Canadian citizen
- permanent resident
- protected person
Apply on the OSAP website as soon as you have been accepted into a program and know you will be attending UOIT. We recommend applying a minimum of four to six weeks before your program starts.
Yes. You must apply for OSAP each new academic year.
When you submit your online application, you can view an estimate of your entitlement. This is an estimate only. Once your application is complete and all supporting documentation is processed, you can view your actual entitlement by logging into your OSAP account.
The application process takes from four to six weeks. You must:
- Submit your Master Student Financial Assistance Agreement (MSFAA) to the National Student Loans Service Centre (NSLSC) in person through a designated Canada Post outlet.
- UOIT Student Awards and Financial Aid must process your signature pages and all supporting documents.
- Your application must go through a Social Insurance Number, Ministry of Transportation and credit check.
Application times vary, so apply early.
No. OSAP applications are based on the information provided each year. Changes in your information (e.g. level of family income or your earnings) may result in a change in the assessment of financial need. Therefore, we recommend that you re-apply for OSAP each academic year.
The Master Student Financial Assistance Agreement (MSFAA) is a lifetime student loan agreement for full-time students that generally has to be completed only once during your post-secondary studies. The agreement contains the terms and conditions you must agree to, in order to receive and repay your OSAP loan.
Your funds will be deposited into your bank account or may be directed to UOIT to pay your fees, if you selected this option when you applied to OSAP.
Changes to your program or course load may affect your OSAP entitlement. Be sure to speak with a Financial Aid Officer if you are considering course changes or if there are any changes to your income before or during your study period.
If your OSAP funding will not cover all of your educational costs, you will need to investigate other resources. Options include:
- family contributions
- internal and external scholarships and awards
- personal savings
- student line of credit from a bank
- University Works on-campus employment program
- working part-time outside UOIT
You can also book an appointment with a Financial Aid Officer to discuss your options by calling 905.721.3143 or emailing email@example.com.
Accepted methods of payment include:
- bank payment - Internet or at your bank
- money order, certified cheque or bank draft at the north Oshawa location only
For more information, go to the Payment options web page.
If you plan to pay tuition using your OSAP, you will need to have a tuition deferment on your Tuition Account Summary. Login to MyCampus to review your Tuition Account Summary. Tuition deferments are automatically placed on your Tuition Account Summary if your OSAP is enough to cover the semester's tuition and you gave UOIT permission to redirect your OSAP to your tuition account. If your OSAP is covering a portion of your semester's tuition, you must pay the portion not covered by OSAP by the deadline and contact the SAFA office to request a deferment for the balance of your fees to be manually entered on your Tuition Account Summary.
Failure to pay tuition fees may result in de-registration from registered courses. You will also be unable to register for future courses or view your grades until the tuition fees have been paid.
Late fees will be applied to your account, if your tuition is not paid by the due date. Interest will be calculated at a monthly rate of 1.5 per cent compounded on the monthly balance. This will be added to your tuition account on the last day of every month.
Login to MyCampus and check your Account Summary By Term, which will show any tuition deferments that were applied for the semester.
If you did not give permission to redirect your OSAP to your tuition account, you will be responsible for ensuring your tuition is paid by the posted deadlines.
The National Student Loans Service Centre (NSLSC) administers the OSAP student loans funded by the federal and/or Ontario governments. This includes:
- Administering the Repayment Assistance Plan (RAP).
- Arranging for your loans and/or grants to be deposited to your bank account.
- Giving you your repayment schedule options.
- Keeping track of your loan debt and repayments.
- Processing your MSFAA.
The NSLSC will arrange either an automatic deposit of funds to your bank account or mail you a cheque for the balance. You can contact the NSLSC at 1.888.815.4514.
The Ontario government offers a 30% Off Ontario Tuition Grant (OTG) for eligible full-time undergraduate students. If you are applying for OSAP assistance, you will be automatically considered if you are eligible. If you are not applying for OSAP, you can apply for the OTG online.
Visit the Scholarships and bursaries section of our website for detailed information on how to apply for UOIT scholarships and bursaries. Each award has specific applicant requirements.
All students who are registered at UOIT may apply, although some awards are specific in nature and are restricted to students who meet the specific criteria stated in the award application.
You will be notified of the decision on your application via your uoit.net email account. Information about obtaining the award will be in the email.
Contact the Student Awards and Financial Aid Office at 905.721.3141 or by email at firstname.lastname@example.org.