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Student FAQs


  • Am I eligible to apply for OSAP?

    OSAP is open to any Ontario residents who is one of the following:

    • Canadian citizen
    • Permanent resident
    • Protected person
  • Do I apply for OSAP each year?
    Yes. You must apply for OSAP each new academic year.
  • How and when do I apply for OSAP?
    Apply on the OSAP website as soon as you have been accepted into a program and know you will be attending the university. We recommend applying a minimum of four to six weeks before your program starts.
  • How and when will I know if I am entitled to OSAP?
    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 in to your OSAP account.
  • How do I know I have an OSAP deferment?
    Please login to your MyCampus account and view your Account Detail by Term to view if you have a deferment on your account.
  • How do I receive the balance of my OSAP after my tuition fees have been redirected to the university?
    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.
  • How long does it take to process an OSAP application?

    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.
    • The Student Awards and Financial Aid (SAFA) office 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.

  • How will I get my OSAP money?
    Your funds will be deposited into your bank account or may be directed to the university to pay your fees, if you selected this option when you applied to OSAP.
  • I am an OSAP student, can I pick up my laptop without making a payment?
    Your OSAP funding will automatically be directed to the school to pay your term fees. If your funding exceeds fees owing for the term, a deferment will be placed on your account. Once the deferment is on your account, you may pick up your laptop.
  • If I am denied assistance this time, will I always be denied?
    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.
  • What if my OSAP is not enough to cover all of my educational costs?

    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 the university

    You can also book an appointment with a financial aid officer to discuss your options by calling 905.721.3190 or emailing

  • What if my situation changes?
    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.
  • What is a Master Student Financial Assistance Agreement?
    The Master Student Financial Assistance Agreement (MSFAA) is a lifetime student loan agreement for full-time students that 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.
  • What is OSAP?

    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.
  • What is the National Student Loans Service Centre?

    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.

Student awards


  • How can I tell if I received an automatic tuition deferment?
    Login to MyCampus and check your Account Summary By Term, which will show any tuition deferments that were applied for the semester.
  • How do I pay my tuition fees?

    Accepted methods of payment include:

    • Bank payment – Internet or at your bank (3 to 5 working days to process)
    • Debit
    • Money order, certified cheque or bank draft

    Learn more about payment options.

    If you plan to pay tuition using your OSAP, you will need to have a tuition deferment on your Tuition Account Summary. Log in 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. 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.

  • What if I am late paying my tuition fees?

    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.

  • Who can I contact for more information?
    Contact the Student Awards and Financial Aid office at 905.721.3190 or by email at

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