Governmental Aid

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It’s June and it’s a great time to apply for Full-time OSAP for the Fall/Winter 2018–19 session if you have not done so already. OSAP applications can take six weeks or more to process, so don’t leave it to the last minute!

The online application for full-time students is available at

After you apply

Here is what you will need to do after you submit your application.

Upload your documents

Before your funding can be calculated and/or released, you may have to provide supporting documents. The Required Documents page of your OSAP account will list what you need to submit.

Uploading your documents to your application is the easiest way to submit them. You can use your phone to scan them into PDFs.

Complete your MSFAA

If it’s your first time applying for OSAP, you will have to complete a Master Student Financial Assistance Agreement (MSFAA). The MSFAA is your lifetime student loan and grant agreement. It contains the terms and conditions you must agree to in order to receive your OSAP funding.

For 2018–19 you will be able to sign your MSFAA online through the National Student Loans Service Centre (NSLSC) website. The NSLSC will email you instructions shortly after you submit your OSAP application.

Monitor your application

Once you have applied and submitted all supporting documentation, it’s important to keep a close eye on your application. Check your OSAP Message Centre and university email account often for important messages.

What is OSAP

The Ontario Student Assistance Program (OSAP) is a financial aid program delivered by the federal and provincial government for post-secondary students. OSAP provides Ontario students with financial assistance to help pay for college or university.

Through one application, you are assessed for non-repayable grants, as well as a repayable loan.

Grants = Money that you will not have to repay.
Loan = Money that you will have to repay. Loans through OSAP are interest and payment-free while you are in school full-time.

Funding is available for both full-time and part-time post-secondary students.


To be considered for the full-time student assistance program (Full-time OSAP), you must be taking 60% or more of a full course load. For undergraduate students, this means a minimum course load of 9 credits per term. For graduate students, you must be designated as a full-time graduate student by the Faculty of Graduate and Postdoctoral Studies.


To be considered for the part-time student assistance program (Part-time OSAP), you must be taking less than 60% of a full course load. For undergraduate students, this means a course load of fewer than 9 credits per term. For graduate students, you must be designated as a part-time graduate student by the Faculty of Graduate and Postdoctoral Affairs.

Students with a permanent disability

Students with a permanent disability are eligible for both Full-time and Part-time OSAP funding when taking a 40% course load (6 credits per term). The full-time program will provide you with funding for tuition, books and living costs, whereas the part-time program will only provide you with funding for tuition and books. If you are unsure which program is best for you, give us a call.

Overview: Courseload Requirements

Undergraduate Course Credits per term Course Load OSAP funding available
15 or more credits 100% Full-time
 9 credits 60% Full-time
 6 credits 40% Part-time, or full-time for students with a permanent disability
 3 credits 20% Part-time

How OSAP Aid is Determined

The amount of money you can get from OSAP is based on your assessed financial need. To determine this, OSAP looks at two factors:

Your education expenses: the amount of money you need to cover tuition, books, childcare, 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.

The online OSAP Aid Estimator can provide you with a funding estimate based on a few factors. Submitting an application will provide you with an accurate assessment based on your individual situation.

Eligibility Requirements

To be eligible for OSAP funding, you must

All Undergraduate, master’s, and doctoral degree programs at Saint Paul University are approved for OSAP purposes. If you are enrolled as a Special Student, or in a diploma or certificate program, please contact us to determine your eligibility for OSAP funding.

For a detailed explanation of citizenship and provincial residency requirements, please view our OSAP eligibility definitions.

If you do not meet Ontario’s residency requirements, you may be eligible for government financial aid through your home province or territory. See below for a list of government financial aid programs by province and territory.

The 2018/2019 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),

In addition, the 2017-2018 OSAP Transformation will

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

If you have previously received OSAP funding, it is important to remember that if you are registered as a full-time post-secondary school student, interest does not have to be accruing on your loan(s), nor should you enter repayment. To be granted this opportunity you must take the initiative!

Interest-Free Status allows you to postpone repaying your loans while you are registered as a full-time postsecondary school student. The Government of Canada and/or the Province of Ontario will pay the interest on those loans on your behalf. To get it, you must notify the National Student Loan Service Centre (NSLSC) of your continued full-time enrollment in post-secondary studies.

Am I Eligible For Interest-Free Status?

In order to be eligible to apply for and receive interest-free status, you must

  • Have received student loans prior to the current academic year for which you are applying for interest-free status
  • Have not defaulted on any previous government student loans
  • Be registered as a full-time student, or currently in a co-op or work term

Obtaining Interest-Free Status

In order to have your loans placed into interest-free status, the National Student Loans Service Centre (NSLSC) and/or bank (for loans before 2001) need to know that you are enrolled and in school full-time. If you have applied for OSAP and your application has processed, an automatic Confirmation of Enrolment process will take care of this for you. In some cases, a Continuation of Interest-Free Status/Confirmation of Enrolment (CIFS) application will need to be submitted.

If your OSAP application has processed

Saint Paul University will use an electronic process to confirm your enrolment to the ministry, which will then inform the NSLSC.

If your OSAP application is on hold

If your OSAP application is on hold (e.g., missing documentation), be aware that Saint Paul University cannot automatically confirm your enrolment to the Ministry until it is fully processed. In this case, your previous loans may go into repayment and you will have to start repaying them even if you are in school full-time. To avoid that, submit all necessary documentation and address all outstanding items on your OSAP application OR complete a Continuation of Interest-Free Status/Confirmation of Enrolment (CIFS) application (see below).

If you have not applied for OSAP

If you are not applying for OSAP for the upcoming year, but want your prior loans to remain in interest-free status, you must complete a Continuation of Interest-Free Status/Confirmation of Enrolment (CIFS) application (see below).

Applying for CIFS

Once classes begin for your new study period, log into your account at and complete and submit a Continuation of Interest-Free Status application. Saint Paul University will review your application and confirm your enrolment to the Ministry. If the information is complete and valid, the ministry will inform the NSLSC.

CIFS Deadline

It is critical that you submit the CIFS application to your school in enough time for it to be approved and processed within 6 months from the end of your last term. In the case of students who left school in April and are starting a new term in September, the CIFS application should be submitted no later than October 15. If you delay, you may not get full interest-free status and you may be required to pay some interest. A CIFS application is not valid if submitted after the end of your current study period. The date of the CIFS application cannot be made retroactive.

Important Facts About Interest-Free Status
  • The Continuation of Interest-Free Status application cannot be completed after the last day of classes for a given study period.
  • If you have not notified the National Student Loan Service Centre that you have returned to school as a full-time student before the end of the 6-month grace period, your previous loans will go into repayment.
  • Applications submitted after the end of your study period will not be accepted, and those submitted within the last 13 days of your study period may not be accepted.
  • The minimum required course load must be maintained in each term of the study period. No averaging of course loads between terms is permitted.
  • If you drop below the minimum required course load in a given term, you must complete and submit a new Continuation of Interest-Free Status form for the next term where you are registered full-time; the previous one will be null and void.

Remember that you must complete a Continuation of Interest-Free Status application, and submit it before the end of your 6-month grace period to avoid accruing irreversible interest on your previous government student loan. Saint Paul University’s Awards & Financial Aid Office cannot automatically confirm your enrollment with the National Student Loan Service Centre.

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