OSAP Financial Aid Policy

Active Participation Policy

OSAP Financial Aid Policy Manual

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 several factors, including family income.

Repayable loans and non-repayable grant funding are 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 textbooks in addition to transportation costs and childcare 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);
  • Be delivered on a full-time basis by the institution;
  • Have obtained the Minister’s approval for General Purpose Operating Grants (GPOG) through the Ministry of Colleges and Universities;
  • Full-time students must be taking at least 60 percent of a full course load, or 40 percent (in each term of study) if the student has an identified permanent disability, and
  • 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.

Period of Study Plus One

Students may apply for Full-Time OSAP for the number of periods of study normally specified by the post-secondary institution for completion of that program of study plus one (1) study period. For example:

  • A student in a 1-year certificate program can receive a maximum of 2 years of Full-Time OSAP assistance
  • A student in a 2-year diploma program can receive a maximum of 3 years of Full-Time OSAP assistance
  • A student in a 4-year degree program can receive a maximum of 5 years of Full-Time OSAP assistance

A student who has reached the study period maximum for their program is not eligible for further Full-Time OSAP for that program. This means that some students who take less than 100% course load each year, or have failed and have had to repeat courses, may be unable to complete their program before they become ineligible for further Full-Time OSAP.


  • A study period is defined as 1 academic year.
  • Periods of study in which a student did not receive Full-Time OSAP funding from Canada or Ontario are not included.
  • Students with permanent disabilities are exempted from this policy.

 OSAP’s Academic Progress Requirements

To continue to be eligible for Full-Time OSAP, a student receiving Full-time OSAP is required to achieve passing grades in a minimum required course load and must progress through their program of study. From an OSAP perspective, dropping a course or earning an “F” has the same consequence.

Students must achieve passing grades in at least 70% for each module of a full-time program in an OSAP-funded term of study.

Students with a permanent disability must complete (pass) 40% of a full course load.

In addition, dropping to a part-time course load, withdrawing from studies, etc., are considered by OSAP as a failure to progress academically. There is an impact to further OSAP eligibility if students do not meet the academic progress requirements as defined by OSAP.

  • Academic probation warning – the first instance of not successfully completing the academic progress requirements;
  • Academic restrictions – second, and any subsequent instance(s) of not successfully completing the academic progress requirements.

Students will receive notification and further instructions from the Ministry of Colleges and Universities if they have been placed on either an academic probation warning or an academic restriction. There are appeals if students have experienced extenuating circumstances. 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

How to Apply

To apply, you must visit the OSAP website and either register for a new account, or sign in to 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.

Application 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);
  • Please ensure you are enrolled full-time in each term of study you have applied for full-time OSAP;
  • Confirm your income (if applicable) as directed by your OSAP application

All or a portion of your OSAP funding will be redirected to Canadian All Care College to be applied to your tuition and mandatory fees. The amount of your OSAP to be remitted to College will not exceed the value of your term tuition and mandatory fees unless you have a balance outstanding from a previous academic term. Any remaining OSAP will be deposited into your bank account. Please wait until the OSAP payment has been applied to your College student account before making an online payment for any remaining balance of fees outstanding (if applicable). Log on to your OSAP account at Ontario.ca/osap and view your Funding Summary for details of what is being redirected to the College or you can review your Student Fee Account – Net Cost View.

You must 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 is 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.

 In case of any disputes, updated printed copies of CACC policies will take precedence over the policies published on our website.

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