Each province in Canada has financial assistance available on need-assessment basis for post-secondary study. These government aid programs are the major source of funds for students who have limited financial resources; however, government aid programs are based on the assumption that it is primarily the responsibility of the student and their parents or spouse to provide for post-secondary education. In this province, the Ontario Student Assistance Program (OSAP) combines assistance available through the Canada Student Loan Plan and the Ontario Student Loan Plan. The amount of loan under the (OSAP) program, which is determined by the provincial government, takes into consideration the financial resources of the student and their parents or spouse. No interest or principal payments are required on the Canada or Ontario Student Loan while the student is in full-time attendance at an approved post-secondary institution. Interest charges during this period are paid by the federal and provincial governments. After the interest free period, interest charges begin to accrue on the unpaid balance of all consolidated loans. Ontario residents who may qualify for (OSAP) may obtain paper application forms and further information from the Office of the University Registrar (Student Awards), Queen's University or the Ministry of Training, Colleges and Universities, Student Support Branch, P.O. Box 4500, 189 Red River Rd., 4th Floor, Thunder Bay, Ontario, P7B 6G9 after 1 April. Completed application forms should be forwarded to the Office of the University Registrar (Student Awards), Queen's University, Kingston, Ontario K7L 3N6. It is strongly recommended that paper applications reach the Student Awards Office prior to 1 July. Information and application is also available on the internet at the following address: http://osap.gov.on.ca Non-residents of Ontario must apply to their own province for any provincial aid that may be available.