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Queen's University
 

OSAP Appeals

Reviews for Consumer Proposals

 

Student Did Not Receive Student Loans Prior to the Date Filed a Consumer Proposal

If the Consumer Proposal is complete, the student does not need to provide any supporting documentation in order for their OSAP application to be processed.

If the Consumer Proposal is incomplete, the student’s OSAP application will not be processed until the student provides documentation from his or her trustee indicating the date the student filed a Consumer Proposal and that the following two conditions have been or will be met:

  • neither Ontario nor Canada is a creditor in the Consumer Proposal as a result of financial assistance given to the student through OSAP; and
  • no financial assistance given to the student through OSAP during the current OSAP year will be seized to repay any creditor(s) listed in the Consumer Proposal.

Documentation required:

  • A letter from the student’s Trustee confirming the date the student filed the Consumer Proposal, and that the two conditions above have been met. 

 

Student Received Student Loans Prior to the Date Filed a Consumer Proposal

i) Consumer Proposals Filed Prior to May 11, 2004

If the student has been released from his/her obligation to repay their student loans by reason of a court-ordered absolute order of discharge which states that section 178(1)(g) of the BIA no longer applies to the student debt, the student must provide proof that the order of discharge was made and that three (3) calendar years have elapsed since the day the order was made.

If the student has not been released from his/her obligation to repay their student loans by reason of a court-order absolute notice of discharge as described above, then the student’s OSAP application will not be processed until the student provides proof that he or she has no outstanding balance on any student loans.
Additionally, if the Consumer Proposal is incomplete, the student must provide documentation from his or her trustee indicating the date the student filed a Consumer Proposal and that the following two conditions have been or will be met:

  • neither Ontario nor Canada is a creditor in the Consumer Proposal as a result of financial assistance given to the student through OSAP; and
  • no financial assistance given to the student through OSAP during the 2013-2014 OSAP year will be seized to repay any creditor(s) listed in the Consumer Proposal.

Documentation required:
1. A copy of the Notice to Creditors of Consumer Proposal; AND,
2. a) If the consumer proposal is complete, a copy of the Certificate of Full Performance; OR
b) If the consumer proposal is incomplete: a letter from the student’s Trustee in Bankruptcy confirming the date the student filed for Bankruptcy, that neither Ontario nor Canada is a creditor in the Bankruptcy, and that no financial assistance given through OSAP will be seized to repay any creditors listed in the Bankruptcy.
AND,
3. a) A letter from the student’s financial institution, the National Student Loans Service Centre, and/or the student’s collection agency confirming that there is no outstanding balance on any student loans issued to the student; OR
b) A copy of the court-ordered absolute order of discharge releasing the bankrupt from their student loan debt under section 178(1)(g) of the BIA (must be dated at least 3 calendar years prior to current OSAP application).

    ii) Consumer Proposal Filed On or After May 11, 2004

    If the student is continuing their program of study, they can either provide proof that their previous loans are paid in full (using the required documentation above), OR provide proof that they meet the following four conditions:

    1. at the time the student filed for a consumer proposal, he/she was enrolled in an approved program of study at an approved institution and taking the minimum required course load (note: students who filed a consumer proposal while in their initial grace period meet this first condition provided they are applying for OSAP for their subsequent year of their program of study. However, students receiving interest relief under an extended grace period do not meet this condition.);
    2. the student continues to be enrolled in the same approved program of study in which he or she was enrolled at the time that they filed a consumer proposal;
    3. the student has not had a break in studies of longer than six months since the date of the consumer proposal; and
    4. it has not been more than 3 years since the date of consumer proposal.

    Documentation required:
    1. A letter from the student’s FAO confirming that the program of study in which the student was enrolled at the time the student filed for the consumer proposal is the same as the program of study that the student is applying for assistance to attend; AND,
    2. A copy of the Notice to Creditors of Consumer Proposal; AND,
    3. a) If the consumer proposal is complete, a copy of the Certificate of Full Performance; OR
    b) If the consumer proposal is incomplete: a letter from the student’s Trustee in Bankruptcy confirming the date the student filed for Bankruptcy, that neither Ontario nor Canada is a creditor in the Bankruptcy, and that no financial assistance given through OSAP will be seized to repay any creditors listed in the Bankruptcy.

      Kingston, Ontario, Canada. K7L 3N6. 613.533.2000