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 post-secondary institution and take an approved program which leads to a degree, diploma, or certificate; (For example, interest non-degree programs are not eligible for government student assistance)
  • 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 Learn About OSAP link 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 Training, Colleges and Universities 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.


    How to Apply for OSAP

    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 to complete the online 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 Training, Colleges and Universities. 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 Student Awards Office recommends that students submit their online application no later than July 1 (for a September start date) 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  (for a September start date)

    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 you are provided with an estimate of your OSAP funding. OSAP entitlements begin to process mid/late June for the upcoming academic year. 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 online Master Student Financial Assistance Agreement (MSFAA) (following the instructions outlined in the “Required Documents” section of your OSAP application);
        • Upload all required OSAP supporting documents into your OSAP application (or submit directly to the Student Awards Office);
        • The Student Awards Office must confirm your full-time enrolment (prior to each disbursement);
        • Confirm your income (if applicable) as directed by your OSAP application

        Beginning 2018-19, all or a portion of your OSAP funding will be redirected to Queen’s to be applied to your tuition and education-related fees. The amount of your OSAP to be remitted to Queen’s will not exceed the value of your term tuition and fees, unless you have a balance outstanding from a previous academic term. Any remaining OSAP will be deposited to your personal bank account. Log on to your OSAP account at and view your Funding Summary for details of what is being redirected to Queen’s or you can review your Student Fee Account – Net Cost View.

        It’s important that you keep your address and contact information up to date on both your account on the OSAP website, as well your account 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

        It is a requirement of the Ministry of Training, Colleges and Universities that the full amount of any refund of academic fee for students receiving OSAP assistance are to be forwarded to the National Student Loans Service Centre (NSLSC) and applied against the student's outstanding OSAP student loan debt or to the Ministry against any excess amounts of financial assistance owing.