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OSAP

​​Ontario Student Assistance Program


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Ov​erview​

Studen​ts enrolling in at least 60% of a full course load (or 40% if they are a student with a permanent disability)who are Canadian citizens or permanent residents, who have been residents in Ontario for one year prior to beginning their academic program and who satisfy the admission requirements of a Canadian university or an eligible post-secondary institution in Ontario, may apply for funding through this program.

Students qualify for assistance from OSAP on the basis of an established financial need, and funds are provided to supplement stud​ents' own financial resources and those of their immediate families.

Applicatio​n Deadlines

To facilitate earl​y processing students are strongly advised to apply in May for the following academic year.

Students wishing to use OSAP funding to pay for tuition must submit their OSAP application and all the required supporting docum​entation (including signature pages) to the Financial Aid Office by August 1 to ensure that funding processes in time for the start of classes. Please note that the final deadline to apply for OSAP for the fall/winter session is 60 days before the end of the study period (end of February).

How d​o I apply?

Applications and further information can be found online at Ontario.ca/osap​. Additional information on the​ program in general and on budgeting for university may be found at the Canada Student Loans website or the website for the National Student Loans Service Centre. Throughout the year, please check your OSAP website regularly for updates to your funding.

Master Student Financial Assistance Agreement (MSFAA)

OSAP is issued as an electronic funds transfer to your bank account. To ensure this process runs smoothly, you must print and complete the MSFAA form that appears on your OSAP file after you submit it. This document must be taken to a designated postal outlet, along with your SIN card and government-issued photo ID BEFORE school starts.  Once you process an MSFAA, it remains in place for the duration of your studies (i.e. you don't have to process one each year), unless you take a break in your studies of 2 or more years.

The Review Process

If your funding is insufficient and you feel that you have exceptional circumstances that were not considered in the OSAP application, you can request a review of your OSAP a​pplication through the Student Awards and Financial Aid Office.  Contact the office to discuss your specific circumstances and to obtain the necessary forms.

If you are unsatisfied by the review decision made by your Financial Aid Administrator, you may submit a written appeal to OSAP.

Student Complaints

Should a student be dissatisfied with a service from the Student Awards and Financial Aid Department or a specific staff member, the student is referred to the Manager of Student Financial Services. If a meeting with the Manager cannot resolve his/her issue(s) the student is directed to the VP Finance and Administration, whose decision is final.  Students can also refer to the Code of Student Rights and Responsibilities​.

Students can also contact the Ministry of Advanced Education & Skills Development (SFAB) should their complaints not be adequately addressed.​ 

Paying your​ Tuition with OSAP

On the OSAP application, the assumption is that OSAP will be used to pay for your fees on your behalf, unless you choose to opt out of this option. Late in the summer,the Student Fi​nancial Services Office staff will begin the process of electronic confirmation of enrolment (so you need to ensure you are registered in your courses by then) and for those students who have indicated that fees may be paid from OSAP, we will also let the Loans Center know what portion needs to be redirected to the school. If you select the option not to allow fees to be paid from OSAP, then it is YOUR responsibility to determine what is due when and to pay by the deadlines.

Also, i​f your OSAP is not sufficient to cover the installment due at any given time, it is your responsibility to ensure the balance owing is paid by the deadline.

Please note that even though fees are being paid through your OSAP funding, it is still YOUR responsibility to ensure that your account at Nipissing University has been paid in full. Note that it co​uld take at least four weeks from the date we confirm your enrolment and indicate to the Loans Centre how much of your OSAP needs to be redirected for the university to receive your payment and to post it to your fee account.

Interest​ free status for full time students

If you have received OSAP in the past and you are registering full-time but are not going to process a new loa​n for the current academic session, you must complete a Continuation of Interest Free Status form in the Student Awards & Financial Aid Office to ensure your lenders put your previous loans back on interest-free status. This will ensure that you are not required to make payments on your loan for the current academic year. NOTE: We are unable to complete this form once your current study period has ended.

​Part-time Students

Part-time students with demonstrated financial need may qualify for loan funding and a grant of up to $1200. To be eligible, you must meet the requirements for a part-time Canada Student Loan. In addition, you must have a gross (family) income below specified government guidelines. Please visit the OSAP websitefor more information and an online application for the program.​

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