The amount of money you can get depends on:
Your education expenses: the amount of money you need to cover tuition, books, child care, personal living expenses, supplies and equipment.
Your 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 must speak to your caseworker about your educational plans and OSAP funding.
Your course load: full or part-time.
Full-time application: you’ll be considered for living costs and direct educational costs
Part-time application: only for your direct educational costs
The basic formula is:
Allowed education expenses – money you’re expected to contribute = financial need
The maximum amount you can get depends on your circumstances.
For the 2016-2017 academic year for a typical (two term) full-time student:
- single, no dependents: $12,580
- married or common-law or sole-support parent: $19,380
Read on: maximum OSAP amounts
Online tool: OSAP Aid Estimator
Additional aid due to special circumstances
You could be eligible for additional money if you are:
- an Indigenous student
- a student with a permanent disability
- a youth with Crown ward status
- the first in your family to go to college or university
Read on: OSAP for students in special circumstances
Ontario Student Access Guarantee
If OSAP doesn’t cover all of the expenses that directly relate to your program (books, tuition, mandatory fees) – and you still need money - public colleges and universities in Ontario have to provide financial help.
This money could include:
- work study programs
- summer employment programs
In a program you can enter straight from high school? You’re automatically considered for this guarantee, based on the information in your OSAP application.
Graduate/professional students (e.g., law, medicine): you will need to apply to your school’s financial aid office.
When to apply
The 2016-2017 OSAP application is now open.
If you’re returning to school and received OSAP last year, you have to fill out an OSAPapplication for this academic year.
Definition: Academic year
Apply early. You can apply even before you are accepted to your program. But remember: there are deadlines.
Apply online now