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FAQs - Student Access Guarantee (SAG)


The Student Access Guarantee is a partnership between Queen’s University and the Government of Ontario to ensure that no qualified Ontario student should be prevented from attending the University because of a lack of financial support.

Under the SAG, Queen’s ensures students are able to receive enough aid to cover their educational costs (tuition, compulsory fees, books and supplies) when these are above the usual range of costs covered by OSAP.

Institutions are required to meet the SAG requirements of their students in first-entry programs.

The Student Access Guarantee is a partnership between the University and the Ministry of Advanced Education and Skills Development. Students must apply for OSAP to officially determine the level of bursary assistance needed to cover the SAG.

All students are required to apply, qualify and fully access their OSAP entitlement for the academic year in order to be eligible for a Queen’s General Bursary.

At the time your General Bursary application was assessed, the amount you were granted would have covered your SAG requirement. However, your SAG requirement may not have been known at that time or may have been re-assessed due to reported changes to your income or adjustments to your course load, which would impact your costs for tuition, compulsory fees, books and supplies.
At the time your General Bursary application was assessed, the University was not aware of your SAG. The Student Access Guarantee is only assessed once the student has picked up their first installment of OSAP and completed the OSAP Confirmation of Enrollment form in the Student Awards Office. Students who did not complete the Confirmation of Enrollment form prior to October 31, had no SAG requirement showing on their General Bursary application.
If you were denied a General Bursary and have a SAG requirement, then you likely received other funding from Queen’s University. Under the SAG program, all scholarships, awards, bursaries and work-study entitlements administered by the University count toward the SAG requirement. Students who did not qualify for a General Bursary and have a SAG requirement likely received an admission, exchange or renewable bursary for the year.
There are several good reasons why students should continue to apply for a Queen’s General Bursary!

The costs for books, supplies and basic living expenses allowable under the Queen’s General Bursary program are higher than under the OSAP program. As a result, it is not uncommon for students to receive a bursary greater than their SAG requirement. Several students who had no assessed SAG have qualified for a General Bursary. Students who do not submit a General Bursary application will not be assessed according to the cost codes established by the University and may be missing out on funding opportunities.

Another good reason to submit a General Bursary application is the possibility of receiving one of the many named bursaries established through the generosity of our donors. Several of these bursaries have specific criteria which recognize the recipients’ academic achievements, contributions to the Queen’s community or involvement in extra-curricular activities.