Student Awards


Student Awards

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The Ontario Student Assistance Program (OSAP) is a financial aid program assisting students with the costs of post-secondary studies. OSAP consists of funding from both levels of government (the federal government and the government of Ontario). Eligibility for both repayable loans and non-repayable grant funding is determined based on financial need as defined by the governments via an OSAP application and is based on a number of factors, including family income.


Repayable loan and non-repayable grant funding is available for both full-time and part-time post-secondary students.

The full-time OSAP program is designed to supplement (not replace) the financial resources you, and your family (if applicable), are expected to contribute towards the costs of attending post-secondary studies such as tuition, books and basic living expenses. Repayment of full-time OSAP loans does not begin until 6 months after you cease to be enrolled full-time. There are also programs to help you repay your loans.

The part-time program assists with education-related costs such as tuition, student activity fees and required text-books in addition to transportation costs and child care costs (if applicable). Repayment of part-time OSAP loans does not begin until 6 months after you cease to be enrolled in part-time (or full-time studies).


General Requirements

To be considered for OSAP, a student must meet the following requirements:

  • Be a Canadian citizen, permanent resident or Protected person; 
  • Meet Ontario residency requirements;
  • Be enrolled in an approved postsecondary institution and take an approved program which leads to a degree, diploma, or certificate;
  • Full-time students must be taking at least 60 per cent of a full course load, or 40 percent (in each term of study) if the student has an identified permanent disability
  • Part-time students must be taking 59% or less of a full course load.

By completing the applicable OSAP application (i.e., full-time or part-time) you will be automatically considered for all possible grant and loan assistance available, such as the Ontario student grant. To review the eligibility requirements for funding, please visit A-Z List of Programs section of the OSAP website and select the program you are interested in researching.

For further inquiries, please visit the eligibility section of the OSAP website.

Academic Progress Requirements

It is a student's responsibility to successfully complete (pass) at minimum 60% of a full course load during the term of study for which they are receiving OSAP funding. Students with a permanent disability must successfully complete (pass) at minimum 40% of a full course load. If a student does not satisfy this requirement they will be in one of the following 2 situations:

A) Academic probation - first instance of not successfully completing the academic progress requirements

B) Academic restrictions - second, and any subsequent instance(s) of not successfully completing the academic progress requirements

    You will receive notification and further instructions from the Ministry of Advanced Education and Skills Development if you have been placed on either an academic probation or an academic restriction. If you are placed on an academic restriction you can appeal to have the restriction waived from your account for 1 year in order to apply for OSAP funding. Please visit the OSAP Appeals page for a link to the OSAP Review Manual. Instructions for appealing an academic restriction are outlined in the Manual. Please note that students must appeal each year to have the academic restriction waived until they are released from the restriction.


    To apply, you must visit the OSAP website and either register for a new account, or sign into an existing one. You will then be able to access the online application. During the application process, you will be asked to provide supporting documentation and sign the Master Student Financial Assistance Agreement (MSFAA) if it's your first time applying.

    If you are outside of Ontario or are unable to visit an Ontario post-secondary institution you must complete the Request for an OSAP Access Number (OAN) form and send it to the Ministry of Advanced Education and Skills Development. The Ministry will send you your OAN by mail. 

    Students may also be eligible to pursue OSAP Appeals in order to maximize their OSAP funding.

    Dates and Deadlines

    The OSAP application for each new academic year is available on the OSAP website in May. 

    The Student Awards Office recommends that students submit their online application no later than July 1 in order to ensure sufficient time for funding to be available for September.

    OSAP Dates and Deadlines



    Recommended OSAP application submission date for students to allow sufficient time for funding to be available in September

    July 1 

    OSAP Application Deadline

    Applications must be submitted 60 days before the end of the student's current study period.
    OSAP Supporting Documentation

      No later than 40 days before the end of your study period

        Submission of OSAP appeal Documentation

        40 days prior to the end of your study period

        Completion of a Continuation of Interest Free Status application (if not receiving OSAP for current academic year)

        As soon as possible upon completion of the registration process prior to your 6-month grace period elapsing (must be submitted while enrolled in full-time studies)

        Receiving Your Funding

        Once your OSAP application is submitted your OSAP entitlement will be calculated. You will be notified of your OSAP funding entitlement via an email directing you to check your OSAP account or by paper notification as per your direction on your application.

        Before any funding can be disbursed to you the following steps must be completed:

        • Submit your Master Student Financial Assistance Agreement (MSFAA) to a designated Canada Post outlet (if not done so previously). You will find a list of designated Canada Post outlets near you on the CanLearn website.
        • Submit all required OSAP supporting documents to the Student Awards Office
        • The Student Awards Office must confirm your full-time enrolment (prior to each disbursement)
        • Confirm your income (prior to second disbursement)

        In 2017-2018, students may choose to remit OSAP funding directly to Queen’s University to be applied to their Queen’s student fee account. If a student does not choose to remit, OSAP funding is deposited directly into the student’s bank account. Prior to the receipt of your second term funding, you must confirm your income on your online OSAP account.

        It’s important that you keep your address and contact information up to date on both your account on the OSAP website, as well as with the National Student Loan Service Centre (NSLSC). In addition, you must keep your bank account information up to date with the NSLSC.

        Tuition Fee Refunds

        The Student Awards Office is required by the Ministry of Advanced Education and Skills Development to forward tuition/fee refunds from your Queen's student fee account directly to the National Student Loan Service Centre to be applied to your OSAP loan debt.

        You may contact the National Student Loan Service Centre at 1-888-815-4514 to check the status of your previous loans.