The 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.
Eligible students will be assessed to receive an integrated student loan through the Province of Ontario and Government of Canada. These loans are interest-free and non-repayable while you are enrolled in full-time studies. Repayment of your loans does not begin until 6 months after you cease to be a full-time student.
In addition to provincial and federal loan funding, you may be eligible for non-repayable grant funding through one of the following programs:
Additionally, the Ontario Student Opportunity Grant program is designed to help reduce the amount of loan funding a student will be expected to repay.
For more information on these programs, including eligibility criteria, please visit the OSAP Basics section of the OSAP website.