Ontario Student Assistance Program
This tool is for illustrative purposes only, and includes estimates based on common scenarios and proposed changes to OSAP and the Canada Student Loans Program.
What is OSAP?
The Ontario Student Assistance Program (OSAP) is a financial aid program that can make it easier for students and families to go to college or university.
The program offers funding for school through two kinds of money:
- grants: money you don’t have to pay back
- a student loan: money you need to repay
Funding is available for both full and part-time postsecondary students, and is based on a number of factors, including your family income. Some students may get their tuition covered by OSAP.
For the loan portion, there are also programs to help you repay your student loan once you’re done school.
Both the Ontario government and federal government provide this money.
What OSAP can help with?
OSAP can assist with your college and university costs, such as:
- books, equipment and supplies
- mandatory student fees a school may charge
- living expenses (full-time students only)
- child care (for students with children)
Who can get OSAP?
OSAP is open to Ontario residents who are:
- Canadian citizens
- permanent residents, or
- protected persons
Who is not eligible?
You may not be eligible for OSAP if you:
- have enough financial resources to cover your expenses allowed by OSAP
- receive other government aid that covers your postsecondary education expenses
- don’t meet the academic progress requirements
- report income on your OSAP application that is significantly different from what you reported to the Canada Revenue Agency
- have defaulted on a student loan
- have multiple loan overpayments outstanding
- have outstanding grant or bursary overpayments
- failed a credit check
- declared bankruptcy or consumer proposal, or consolidation orders under the Orderly Payment of Debts
- have reached your lifetime limit of student loan funding
You can get OSAP to go to public or private postsecondary school anywhere in the world, as long as it’s been approved.
Search the name of your school to see if it’s on our list of schools approved for OSAP.
How much you can get?
The amount of money you can get depends on your:
- education expenses – the amount of money you need for tuition, books, child care, personal living expenses (full-time OSAP only), supplies and equipment
- personal financial situation – how much you and your family are expected to contribute, based on income, family size and other factors
If you receive social assistance, you need to speak with your caseworker about your educational plans and OSAP funding.
Learn more about the maximum amounts of aid you could get – for full-time or part-time study.