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OSAP Transformation 2017–2018

OSAP is going through a big change – for the better! – for students starting or returning in the fall 2017–2018 academic year. The new OSAP will make average tuition free for lower-income students by providing more access to grants upfront. It will also make tuition more affordable for students from moderate to middle-income families by providing more generous grants than in previous years.

The 2017/2018 OSAP application is now open!

You can read more details about the changes to OSAP and use the new OSAP Aid Approximator to get an estimate of what you may qualify for.

The New OSAP – Ontario Student Grant (OSG)

To help more students qualify for grants and access the student loan system, the government will create a single major upfront grant – the Ontario Student Grant (OSG) – starting in the 2017–2018 school year.

The Ontario Student Grant (OSG) will be created by redirecting 100 percent of the funding from the 30% Off Ontario Tuition grant, Ontario Student Opportunity Grant, Ontario Access Grants and other grants offered by OSAP.

Under the new Ontario Student Grant (OSG),

  • Average tuition will be free for students with financial need from families with incomes of $50,000 or less
  • No Ontario student will receive less than they are currently eligible for through the 30% Off Ontario Tuition grant (OTG)

In addition, the 2017-2018 OSAP Transformation will

  • Increase Ontario weekly assistance maximum levels for individuals and for married and sole-support parents
  • Expand financial support for mature and married students. Eligibility for grant support will no longer be tied to the number of years a student has been out of high school.
  • Reduce the amount a student’s spouse is expected to contribute
  • Increase access to interest-free and low-cost loans for middle- and upper-income families by reducing expected parental contributions

What is Net Tuition?

The government will be implementing a Net Tuition Billing system starting in the 2018–2019 school year.

Net Tuition Billing is a new system that will involve applying students’ non-repayable OSAP aid (grants) and institutional aid (bursaries, scholarships, awards), if applicable, against their tuition fees upfront and billing them only for the remaining amount.

With Net Tuition Billing, Ontario families will know the total amount of support they are eligible for when they apply for post-secondary education and will be aware of the actual cost of their education well before the start of the school year.

Government loans may not cover the full cost of tuition

A student may only apply from the province of residence in which he or she has most recently lived for at least 12 consecutive months, excluding time spent as a full-time student at a post-secondary institution.

A loan application must be submitted for each academic year you attend. Student loan applications are produced by your provincial loan office and usually become available each year at the end of April. Applications are also available online on your provincial student loan program website, and are typically the preferred method of applying. Paper applications have, in some cases, been eliminated.

You may submit a loan application prior to receiving your acceptance letter from Saint Paul University’s admission office. Submit your application as early as possible (before mid-June) to ensure that your loan will be available the first week of classes. Processing times may vary and can take 8 to 10 weeks.

You may obtain student loan information from your provincial loan office or by contacting an admissions and student services officer.

Additional loans

Private loans may be available through participating financial institutions. Please contact your financial institution for additional details.

OSAP Requirements and Compliance

Active student participation and satisfactory scholastic progress policy

All students receiving OSAP or other provincial loans are required to adhere to applicable OSAP regulations and conditions, including active participation and satisfactory scholastic progress to the full extent of SPU's satisfactory academic progress requirements. Students will be disqualified from eligibility for OSAP or government loans and withdrawn from loan arrangements if they fail to meet the requirement of full-time status (a course load of 60 percent or more at the undergraduate level). Graduate students must have full-time status regardless of their course load.

Students who are absent for 5 consecutive days of scheduled classes without a valid and documented reason will be withdrawn from their program.

Withdrawal from OSAP eligibility is automatic and does not require written notification.

In addition, all students receiving OSAP must achieve satisfactory scholastic progress at their institution (a minimum passing grade in each course) while maintaining all of the conditions stated above. Students not meeting the scholastic progress requirement will be subject to the following consequences and remedies, as required by the Ministry of Training, Colleges and Universities:


Scholastic Situation



Failure to achieve satisfactory scholastic standards during one study period.



Student put on probation; student remains eligible for OSAP in next study period.

Must succeed in all following academic years to maintain continuous CSL/CSG*/OSL eligibility.

Failure to achieve satisfactory scholastic standards during two study periods.


Student loses CSL/CSG/OSL eligibility for a minimum of 12 months.

Must maintain CSL/CSG/OSL in good standing with lending institution during the 12-month period.

Failure to achieve satisfactory scholastic standards during three study periods.



Student loses CSL/CSG/OSL eligibility for a minimum of 36 months.

Must maintain CSL/CSG/OSL in good standing with lending institution during the 36-month period.

*CSG = Canada Study Grant

Important information on student loans

Saint Paul University complies fully with the performance requirements for the administration of the Ontario Student Assistance Program (OSAP) by Public Schools as set out by the Ministry of Training, Colleges and Universities (MTCU), to ensure proper administration of public funds and the prevention of program abuse and fraud.

Getting your aid

Canada and Ontario have implemented a lifetime loan agreement that will cover you for all the time you are in full-time post-secondary studies; this lifetime loan agreement is called the “Master Student Financial Assistance Agreement" (MSFAA) or “loan agreement.”

For complete information, click here.

If your loan application is not processed by the first day of class, you can complete a Continuation of Interest-Free Status Application for your previous loans.

Deadline dates

Visit the OSAP website to find information about

OSAP Appeals

OSAP has a standard way of calculating your financial need to determine how much you are entitled to receive. Your situation may not be standard and the money you receive may not cover all of your expenses. Should you wish to discuss your appeal options, please phone Student Financial Services and make an appointment with an Officer. The Ministry will consider appeals based on the following circumstances:

  • family breakdown
  • exceptional parental expenses
  • pre-study income contributions
  • study period educational expenses
  • study period income contributions
  • asset contributions
  • credit screening

You may be required to provide documentation. Please understand that some appeals can take up to 8 weeks to be processed by the Ministry. The appeal deadline is 60 days before the end of your study period.

Continuation of Interest-free Status

To maintain an interest-free status on your previous OSAP loans, you must fill out one of the following forms:

  • Confirmation of Enrolment if you are receiving OSAP financial assistance and your funds are now available at Financial Aid and Awards Service.

If you need more information, please consult the OSAP website.

* Please note that students who do not qualify for a loan must complete the Continuation of Interest-free Status  Application for their province.

Websites of Provincial and Territorial Governments

Loan repayment responsibilities – OSAP/CSL

Loan repayment begins 6 months after the completion of your studies, or when you have stopped being a full-time post-secondary student. Interest accrues on the loan from the time you are no longer a full-time student. The rates and conditions for repayment are set at the time of repayment.

It is the borrower's responsibility to understand the terms and conditions of the loans. Specific information is available on each of the provincial loan program websites. For students who temporarily cannot repay their loans due to low income, interest relief and/or debt-reduction programs may be available to aid you in paying the interest on your loans. Applications are available from Admissions and Student Services or from your lender.

OSAP Forms

OSAP Forms can be found on the OSAP website forms section.


For more information, contact us by phone at 613-236-1393, ext. 2295, or by e-mail at