{"id":574,"date":"2026-07-17T19:55:19","date_gmt":"2026-07-17T19:55:19","guid":{"rendered":"https:\/\/wp.springfinancial.ca\/?p=574"},"modified":"2026-07-17T19:55:23","modified_gmt":"2026-07-17T19:55:23","slug":"ontario-student-assistance-program-osap-guide","status":"publish","type":"post","link":"https:\/\/springfinancial.ca\/fr\/blog\/boost-your-income\/ontario-student-assistance-program-osap-guide\/","title":{"rendered":"Here&rsquo;s How Much You Can Get With the Ontario Student Assistance Program (OSAP)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">With such a high price tag, many Ontario residents will have to finance their schooling with the Ontario Student Assistance Program (OSAP). Use this guide to learn how OSAP works and how much money you can receive.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is the Ontario Student Assistance Program (OSAP)?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Ontario Student Assistance Program (OSAP) is a financial aid program that helps you cover the cost of university or college. It can be used to pay for an approved post-secondary institution anywhere in the world. Check out <a href=\"https:\/\/osap.gov.on.ca\/SchoolSearchWeb\/search\/school_search.xhtml?lang=en\">the OSAP School Search<\/a> to see if your school is on the approved list.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OSAP provides two types of funding:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>OSAP Grants: If you\u2019re awarded a grant, you don\u2019t need to pay it back, as it\u2019s considered a financial gift.<\/li>\n\n\n\n<li>OSAP Student loan: The loan amount plus interest needs to be repaid after you graduate or leave your studies.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You\u2019ll automatically be considered for both grants and loans when you apply for OSAP.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Those pursuing doctoral studies can also seek government aid through the Ontario Graduate Scholarship Program (<a href=\"https:\/\/osap.gov.on.ca\/OSAPPortal\/en\/A-ZListofAid\/PRDR019245.html\">OGS<\/a>).&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Who Qualifies for OSAP?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ontario residents of all ages can qualify for OSAP as long as they\u2019re Canadian citizens, permanent residents, or <a href=\"https:\/\/www.ontario.ca\/page\/osap-definitions#section-32\">protected person<\/a>s (i.e. refugees).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You may not be eligible for OSAP if you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>fail to meet academic progress requirements<\/li>\n\n\n\n<li>have enough financial resources to pay for your school-related expenses<\/li>\n\n\n\n<li>report income that doesn\u2019t match what\u2019s on file with the Canada Revenue Agency (CRA)<\/li>\n\n\n\n<li>have grant or bursary overpayments or numerous outstanding loan overpayments<\/li>\n\n\n\n<li>defaulted on a previous student loan<\/li>\n\n\n\n<li>failed a credit check<\/li>\n\n\n\n<li>declared bankruptcy or consumer proposal (filed a document seeking relief from orderly payments of debts)<\/li>\n\n\n\n<li>maxed out your lifetime limit of student loan funding<\/li>\n\n\n\n<li>Are you an international student<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you have a permanent disability, you can qualify for ASAP if you\u2019re taking 40% or more of a full course load. You don\u2019t have to be receiving ODSP to get approved, either. You just have to self-identify as having a disability. However, you can claim both.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Can I Receive OSAP if I Work?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You can work and get OSAP at the same time. However, keep in mind that you\u2019re only eligible for OSAP if you don\u2019t have enough money to cover your school expenses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Ontario government also sees college or university as a shared investment and expects you to <a href=\"https:\/\/www.ontario.ca\/page\/osap-definitions#section-15\">contribute $3,600<\/a> towards your education. This contribution can be met by working 16 hours for 15 weeks at minimum wage.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many students choose to work during the summer. However, you\u2019re free to work throughout the year. Students with children and students on the Ontario Disability Support Program (ODSP) or Ontario Works are not required to make this contribution.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Can I Work Full-Time?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">While you are allowed to work while on OSAP, you generally can\u2019t work full-time year-round. While you can work through the summer, typically throughout the year, they like you to only work 15 to 20 hours per week.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How Much You Can Get From OSAP<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Single full-time students can receive up to $525 per week from OSAP. Full-time students who are married, in a common-law relationship, or have sole-support parents can get up to $865 per week.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">More information about maximum amounts can be found <a href=\"https:\/\/www.ontario.ca\/page\/maximum-amounts-aid\">here<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The amount of money you can get from OSAP depends on your financial need, which is calculated based on your:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Education costs: How much do you need for tuition, school supplies, and living expenses?<\/li>\n\n\n\n<li>Course load: Are you a full-time or part-time student?<\/li>\n\n\n\n<li>Financial situation: How big is your family, and how much income do you and your family make? Your OSAP amount won\u2019t be affected if you withdraw money from a Registered Education Savings Plan (RESP).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Use the <a href=\"https:\/\/osap.gov.on.ca\/AidEstimator2021Web\/enterapp\/enter.xhtml\">OSAP Aid Estimator<\/a> to find out how much you could be entitled to.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OSAP loans are normally sent to your bank account or school in September and January. They\u2019re also payment-free and interest-free while you attend school full-time. If you\u2019re in school but no longer collecting OSAP, you can still enjoy interest-free status on your previous loans by submitting a <a href=\"https:\/\/osap.gov.on.ca\/prodconsumption\/groups\/forms\/documents\/forms\/tcont003388.pdf\">Continuation of Interest-Free Status Application<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Additional federal government grant funding is available for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Full-time students (up to $6,300 per academic year)<\/li>\n\n\n\n<li>Skills Boost Top-Up to the Canada Student Grant for Full-Time Students (up to $2,400 per academic year)<\/li>\n\n\n\n<li>Disabled students (up to $2,800 per academic year)<\/li>\n\n\n\n<li>Full-time students with dependants (up to $280 per child every month)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You can also find all of your OSAP information when you log in to your OSAP account and your OSAP access number after you fill out your OSAP application. You can also contact the financial aid office for more information.t the financial aid office for more information.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.springfinancial.ca\/apply-now?utm_source=blog&amp;SID2=blog-ontario-student-assistance-program-osap-guide\"><img decoding=\"async\" data-src=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2026\/03\/BlogBanner.png\" alt=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 1500px; --smush-placeholder-aspect-ratio: 1500\/581;\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What the Money Can Be Used For<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">OSAP loans and grants can be put towards a variety of expenses, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tuition and compulsory student fees<\/li>\n\n\n\n<li>School supplies include a laptop, books, and course equipment<\/li>\n\n\n\n<li>Living expenses such as rent, utilities, groceries, transportation, and healthcare (applies to full-time students only)<\/li>\n\n\n\n<li>Child care for students with kids<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">So, essentially, the funds given to students enrolled in school don\u2019t have to be used towards educational costs. They can be used as a living allowance to help with your personal finances. While school can be expensive, many factors make it difficult to cover the costs, and OSAP can help with all of these.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>When You Pay the Funds Back<\/strong><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\">You need to repay:<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>OSAP student loans: Repayments begin six months after you graduate or leave full-time studies. Interest is charged during this six-month grace period.<\/li>\n\n\n\n<li>Grant or bursary overpayments: Sometimes, you\u2019ll get a larger grant or bursary than you should have. This usually occurs when your study period plans change after you receive funding. If this happens, you\u2019ll be required to pay back some or all of the overpayment before you can access more OSAP funding.<\/li>\n\n\n\n<li>Grants that get converted to a loan: In most cases, grants are financial gifts that don\u2019t need to be repaid. However, they can <a href=\"https:\/\/www.ontario.ca\/page\/after-you-apply-osap#section-7\">turn into a loan<\/a> if you quit your studies or stop taking the minimum course load. Grants also need to be paid back if the income listed in your application cannot be verified or if an OSAP reassessment discovers unreported income or dropped courses. If a grant gets converted to a loan, the grant amount is added to your OSAP loan balance and paid after you\u2019ve left school.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">OSAP payments must be sent to the <a href=\"https:\/\/www.csnpe-nslsc.canada.ca\/\">National Student Loans Service Centre (NSLSC)<\/a>. After you graduate or leave your studies, NSLSC will send you a repayment package filled with key information like the date of your first payment, the total number of payments based on a 9.5-year schedule, and the interest rates used to calculate your payments. You can stay on track with your repayments by creating an <a href=\"https:\/\/protege-secure.csnpe-nslsc.canada.ca\/en\/public\/sign-in-method\">NSLSC online account<\/a>. Sign in anytime to view your loan balance, make payments, or apply for repayment assistance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Interest Rates On OSAP Loans<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If your OSAP is converted into a loan, the average OSAP interest rate is 3.0%. The provincial portion of OSAP is based on the current prime rate plus 1%. Due to a temporary suspension of interest on Canada Student Loans, no interest was charged on the federal portion of OSAP until March 31, 2023.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Paying Back OSAP Quickly<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It is key to plan when receiving a student loan like OSAP. Taking advantage of the grace period is recommended. The more money you can set aside before repayment, the less difficulty there will be to start paying back your loan. Consider setting aside a portion of the OSAP you receive in anticipation of repayment and start being frugal with your spending.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once you are actively paying back your loan, you can freely make extra or larger payments through the NSLSC website. Take the time to examine your finances and determine which payment plan works best for you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Looking for more advice to pay off your student loans as fast as possible? Speed up the process with these other <a href=\"https:\/\/www.springfinancial.ca\/blog\/pay-off-debt\/fastest-ways-to-pay-off-student-loan-debt\">helpful tips and strategies for paying off student loans<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Repayment Assistance<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Financial support is available if you\u2019re struggling to pay back your OSAP loan. The grace period can be extended by another six months if you <a href=\"https:\/\/osap.gov.on.ca\/prodconsumption\/groups\/forms\/documents\/forms\/prdr007915.pdf\">own a new business in Ontario<\/a> or <a href=\"https:\/\/osap.gov.on.ca\/prodconsumption\/groups\/forms\/documents\/forms\/prd17787637.pdf\">work for a non-profit organization<\/a>. You can also apply for the <a href=\"https:\/\/www.ontario.ca\/page\/pay-back-osap#section-4\">Repayment Assistance Plan,<\/a> which reduces your monthly payments for six months at a time. Use the <a href=\"https:\/\/tools.canlearn.ca\/cslgs-scpse\/cln-cln\/rae-ear\/rae-ear-1-eng.do\">Repayment Assistance Estimator<\/a> to see if you qualify. Repayment periods can be extended to 14.5 years as well.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Is OSAP Taxable?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">OSAP is not taxable because it falls into the same category as scholarships and bursaries. The Canada Revenue Agency issues T4A forms for OSAP, but they don\u2019t have to be reported as income when filing taxes. The T4A serves as a receipt of your payments and interest paid to date, if applicable. These forms can be obtained from the NSLSC once they are available.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Applying For OSAP<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.ontario.ca\/page\/how-apply-osap\">Applying for OSAP<\/a> can be done online in less than 15 minutes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You\u2019ll need the following to apply:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Details about your school and program<\/li>\n\n\n\n<li>Your Social Insurance Number (SIN) and tax information<\/li>\n\n\n\n<li>Your parents\u2019 or spouse\u2019s SIN and tax information (if applicable)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You may have to provide additional supporting documents, such as the <a href=\"https:\/\/www.ontario.ca\/page\/osap-definitions#section-24\">Master Student Financial Assistance Agreement<\/a> and declaration pages. Applications must be submitted no later than 60 days before the end of your study period if you\u2019re a full-time student or part-time student with study periods of 21 weeks or more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Deadlines are adjusted to 40 days before the end of your study period if you\u2019re a part-time student with study periods of 20 weeks or less. Ideally, you want to apply as close to your start date as possible.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">OSAP Interactive Module<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before you can apply for OSAP and the Repayment Assistance Plan (RAP), you have to complete their interactive information module. However, this is only the case if you\u2019re a first-time applicant. If you\u2019re reapplying, there\u2019s no need to complete this module.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you do have to complete the module, the idea is to give you a better understanding of how OSAP and OSAP micro-credential programs work. It also covers your roles and responsibilities if you are approved, as well as basic financial information.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This module is self-study, with a small quiz at the end of each section. Once you pass the quiz, you can move on to the next module. That said, you can keep logging in and out, and your progress will be saved. If you choose to do it all at once, it should only take 15 minutes or so. Once it\u2019s completed, you can then fill out your application.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Other Things to Consider With Your OSAP Application<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The idea behind OSAP is to help Ontario residents continue their education through the National Student Loans Service. It\u2019s available to graduate and undergraduate students, as well as those with a full-time or part-time course load. Not all money you receive through this program has to be paid back in monthly loan payments, either.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In fact, the OSAP program offers bursaries, which don\u2019t require loan payments. One of these is the Ontario Student Opportunity Grant. However, even without these, you can still get Ontario student loans that require a regular monthly payment.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What to Do if You Can\u2019t Pay Back Your OSAP Student Loans?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re unable to pay back your student loans, whether you have full-time OSAP funding or not, the monthly payment stays. This means that your unpaid balance can be sent to collections, and you could end up with a bankruptcy trustee in bankruptcy court. This is because these loans work the same as mortgages, credit card debt, or even car loans. If you don\u2019t make your payment by the payment date, it can also affect your student loan status.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you find yourself in this situation, the best thing that you can do is submit a repayment assistance request to the National Loan Student Services Centre through the Repayment Assistance Plan. You can do this if you\u2019ve received OSAP loans, whether you have previous OSAP loans or not. However, you will have to apply quickly and submit the required documents before the first payment date is missed.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Since bursary funds don\u2019t have to be repaid, this is only for student loans. It can be for full-time or part-time OSAP funding. This is only available for the provincial loans. You will be assessed to determine your pay-back schedule based on your family income. You may also be asked for financial information, such as your bank account details. If you\u2019re having trouble paying and have a severe permanent disability, you could have your fee payments eliminated.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Affects Your OSAP Status?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you have OSAP debt and are still in school, you could end up on OSAP academic probation. This happens when you fail to meet the minimum required academic progress. This could happen by failing or dropping too many classes. If this happens, you will be closely monitored for the next year and can still receive funding as long as you improve. If you don\u2019t, though, you could get a 12-month funding suspension.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you have current student loans and are looking into continuing as a full-time student, you can fill out an OSAP interest-free status application. To remain eligible for this, though, you must apply 21 days before your study period ends. You can log in to your account at any time for account management and status updates. You can even find out when you need to start repaying your loans.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Defaulting on OSAP and Your Credit Score<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Just like with any type of credit, a defaulted student loan with OSAP will hurt your credit score. Then the amount owed will be reported to collections, and your government benefits may be held until it has been paid off. This is why it\u2019s important to contact OSAP right away if you\u2019re unable to make your payments.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Consolidating OSAP With Other Debt<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Because OSAP is a government student loan, you won\u2019t be able to pay it off with a consolidation loan like you would with a private student loan. Debt consolidation with a student loan like OSAP is tricky. You are allowed to use private refinancing options or a consumer proposal for financial relief, but it can\u2019t be combined with other debts, like credit card debt.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">OSAP and Online Programs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You can get OSAP when you attend an approved post-secondary institution, whether it\u2019s online or not. However, you can\u2019t get a traditional part-time OSAP loan if you attend online. To get a distance-learning OSAP loan, you must have at least a 60% course load and meet the Ontario residency requirements.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Happens to OSAP if You Move Provinces?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re moving between provinces, OSAP (Ontario Student Assistance Program) will still cover your tuition as long as you\u2019re an Ontario resident and are just moving to attend school. If you move permanently, then you will need to get a loan from your home province.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s important to know for OSAP eligibility before you apply for OSAP online that your home province is the last province that you lived in for 12 consecutive months without being a full-time post-secondary student. So, whether you attend Ontario colleges or not, as long as it\u2019s your home province, you\u2019ll still be eligible.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Loan Forgiveness Programs for OSAP<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Student loan forgiveness, whether you have a graduate student loan or not, is only available through the Canada Student Loan forgiveness program through the federal government for certain professions. There is also a rural loan forgiveness that you could qualify for.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That said, if you\u2019re unable to make your payments, you could qualify for the Repayment Assistance Program to cover your principal payments and even your student loan interest deduction, if need be. This can be done for either a full-time or part-time OSAP application.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Can Graduate Students Qualify for OSAP?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you need funding as a graduate student, you can apply for additional support to cover your post-secondary studies. The application process is the same, and everything can be accessed through the OSAP website and your OSAP account profile. You\u2019ll have to provide your program information and when your classes start to determine whether you meet the eligibility requirements. You may even be asked to provide additional documents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To be eligible,e you must be one of the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A Canadian citizen<\/li>\n\n\n\n<li>A protected person<\/li>\n\n\n\n<li>A permanent resident\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You must also be enrolled in an OSAP-approved full-time or part-time program at an eligible institution.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bankruptcy and OSAP Student Debt<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While it is recommended to go through the RAP program if you can, your OSAP student debt can be discharged during bankruptcy. However, for this to happen, you must be out of school for at least 5 years.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">OSAP Vs. Private Student Loans<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Based on your online program eligibility or the school you\u2019re attending, it might be easier to get private student loans instead of OSAP student loans. Instead of a traditional student loan, you can also choose to get a student line of credit. You don\u2019t even have to be considered full-time to qualify.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The main difference between these two options is that OSAP will offer grants, as well as times when no interest payments are required. With private student loans, you often have to make interest payments, but full payments aren\u2019t required until an agreed-upon period of time after you\u2019ve finished school.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Final Thoughts<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you live in Ontario and are attending school, OSAP is a great way to get financial assistance. You don\u2019t even need to have a persistent or prolonged disability to apply; however, you do need to maintain satisfactory academic progress for OSAP purposes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You also need to be attending an eligible university to receive funding. The best part is that there is a grace period after you finish your studies, during which you do not have to pay back.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to applying for OSAP, it\u2019s important to note that you have to meet the requirements to get full-time or part-time funding for your education costs. You must also have a permanent residence, so international students may not be approved.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That said, once you submit any required supporting documents, you should have an answer quickly. If you do get approved, though, it\u2019s important to keep them in good standing so you can keep receiving the funds.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to paying for university, tuition is just the tip of the iceberg. There\u2019s also the cost of a laptop, books, groceries, rent \u2013 the list goes on. Add up all these expenses, and you\u2019ll find that post-secondary education can total up to $80,000 in Canada.<\/p>\n","protected":false},"author":23,"featured_media":3331,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[61],"tags":[],"class_list":["post-574","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-boost-your-income"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Here&#039;s How Much You Can Get With the Ontario Student Assistance Program (OSAP) - Spring Financial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/springfinancial.ca\/fr\/blog\/boost-your-income\/ontario-student-assistance-program-osap-guide\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Here&#039;s How Much You Can Get With the Ontario Student Assistance Program (OSAP) - Spring Financial\" \/>\n<meta property=\"og:description\" content=\"When it comes to paying for university, tuition is just the tip of the iceberg. 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