OSAP Appeals

Reviews for Consumer Proposals

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

 

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 between August 1, 2001 and May 11, 2004

A student who files a consumer proposal between August 1, 2001 and May 11, 2004, regardless of whether the student holds bank-held Ontario Student Loans and/or Canada-Ontario Integrated Student Loans, is not considered to be in default of the repayment of their student loans. However, the student’s OSAP application will not be processed until the student provides proof confirming the date they filed the consumer proposal.

Documentation required:

• A copy of the Notice to Creditors of Consumer Proposal.

 

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

A student who files a consumer proposal on or after May 11, 2004, regardless of whether the student holds bank-held Ontario Student Loans and/or Canada-Ontario Integrated Student Loans, is not considered to be in default of the repayment of their student loans.

However, the student’s OSAP application will not be processed until the student:

• provides proof confirming the date they filed the consumer proposal; AND
• provides proof that they meet the following four conditions:
  • at the time the student filed for a consumer proposal, he or she was enrolled in an approved program of study at an approved institution and taking the minimum required course load; 
  • 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;
  • the student has not had a break in studies of longer than six months since the date of the consumer proposal; and
  • it has not been more than 3 years since the date of consumer proposal

Documentation required:

• A copy of the Notice to Creditors of Consumer Proposal; and
• 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.