OSAP for full-time students
In this section you can learn about OSAP for full-time students, from eligibility and application requirements to how you will receive your OSAP aid.
OSAP is open to any Ontario resident who is a:
- Canadian citizen
- permanent resident
- protected person
When determining if you're eligible, the government considers:
- Academic progress.
- Course load (full- or part-time).
- Education expenses.
- Program of study (the program needs to be approved for OSAP).
- Study period (minimum 12 weeks).
- The school you attend/will attend (a school needs to be approved for OSAP).
- Your status (e.g. single dependant, single independent, married/common law or divorced/separated).
- You and your family’s financial information.
Apply early. You can apply before you are accepted to your program. But remember, there are deadlines. The online applications include information about all of the OSAP deadlines.
- Full-time application deadline: Submit your OSAP application no later than 60 days before the end of your study period.
- Supporting documentation deadline: The UOIT Student Awards and Financial Aid office must receive your supporting documents (e.g. signature pages, declaration pages, etc.) no later than 40 days before the end of your study period.
- Review deadline: The UOIT Student Awards and Financial Aid office must receive any review request no later than 40 days before the end of your study period.
It's important to be accurate. Any changes you need to make after you submit your application must be done in person at the UOIT Student Awards and Financial Aid office.
Step 1: Apply
Follow these steps to apply online:
- Go to the OSAP application website.
- Login or register for an OSAP Access Number (OAN) and password.
- Select the correct academic year.
- Select the full-time student application.
- Fill out the application.
- Submit the application online.
Step 2: Gather all supporting documents
- Print your personalized forms such as your declaration and signature page (if needed). Sign and date the form(s).
- Print the declaration and signature page for your parent(s) and/or spouse (if needed). Have them sign and date the form(s).
- Print your lifetime student loan agreement (if needed) - then see Step 3: Submit the lifetime student loan agreement.
- Gather any other supporting documents needed (e.g. an affidavit).
- Mail or deliver in-person the documents (except your lifetime student loan agreement) to the Student Awards and Financial Aid office.
You can ask OSAP to mail your declaration pages and lifetime student loan agreement (if needed) to you, but it’s faster to print them yourself.
Step 3: Submit the lifetime student loan agreement
The lifetime student loan agreement is called a Master Student Financial Assistance Agreement (MSFAA). This agreement is for full-time students only. If you haven’t already submitted this agreement you must print a copy, sign it and submit it.
Your online application will show you if you need to submit the agreement or not.
Do not submit your MSFAA to the Student Awards and Financial Aid office. Instead, you must:
- Read the terms and conditions.
- Complete the form.
- Sign and date it.
- Bring the first page only (with your signature) to a designated Canada Post outlet. You will be required to show two pieces of valid identification:
- Social Insurance Number (SIN) card or government document with your SIN number on it.
- Government-issued photo ID.
- The Canada Post outlet will send your MSFAA to the National Student Loans Service Centre.
When a change is made, it takes about a day to update your status online.
You can get an email reminder to let you know:
- A change has been made.
- Information is incomplete.
- How much money you've qualified for.
- How and when you will get your money.
If you requested paper notifications from OSAP, it could take a few weeks to reach you — online is faster. To change your preference for OSAP notifications: login and update your profile information by choosing the Email and Correspondence Options on the left navigation bar.
You can also check the status of your application on your smartphone.
You will usually get money in two instalments:
- The first when you begin your studies (usually in September).
- The rest halfway through your study period (usually in January).
With OSAP Express, it’s easier to get your money:
- Money is directly deposited into your bank account.
- You can renew faster.
- You only sign a lifetime student loan agreement once to cover the full course of your studies.
- Your school can verify your enrolment online much faster.