OSAP offers two types of funding:
- Grants: money you normally don’t have to pay back, unless there is a change in your status or assessment
- Loans: money that you need to repay when you finish school
When you apply for OSAP, you are automatically considered for both grants and loans, but if you would like to receive only the grant funding, you can choose that option after submitting your application.
Please note: Loans from OSAP are not available before the start of classes and students are expected to pay tuition deposits to be eligible for registration.
OSAP eligibility
If you are an Ontario resident, you may apply for full-time or part-time OSAP, depending on your course load. If you are an out-of-province resident, you may apply for financial assistance through the appropriate government department of your home province.
You may apply for full-time or part-time OSAP, depending on your course load.
- To be eligible for full-time OSAP funding, you must be registered in a minimum of 60 percent course load each semester (Fall/Winter, no averaging course loads) either by hours or courses.
- If you are registered in 20 percent to 59percent of a full semester course load, you can apply for part-time OSAP funding.
- Part-time OSAP covers tuition and textbooks, but not living expenses.
- You must apply every semester for part-time OSAP.
- If you withdraw and/or do not successfully complete all your courses when funded by part-time OSAP, you will need to complete a successful semester of studies before you can re-apply for part-time OSAP.
If you are registered with OSAP as a student with a permanent disability, you are eligible for full time funding at a 40 percent course load per semester (rather than 60 percent).
Apply today!
We recommend applying for OSAP early. The 2024 – 25 OSAP application is now available.
To help you complete your OSAP application, review these step-by-step instructions.
How to submit your OSAP documents
Once you have submitted your OSAP application, you will be instructed to submit supporting documents. OSAP supporting documents are required in order for your application to be processed. Submit these as soon as possible.
How to access your required documents:
- Log in to your online account OSAP Application: Log In (gov.on.ca)
- Click on “My Apps”
- Click on “Submitted Applications” for the proper academic year
- Click on “View Documents & Print/Upload”
- To access your personalized documents, click on “Print/Save” and use the “Form Password”
- For a description of each document that you are required to submit, click on the document’s name
- Submit each document as per the instructions (make sure all pages are uploaded)
Master Student Financial Assistance Agreement (MSFAA)
You will be required to complete a Master Student Financial Aid Agreement (MSFAA). The National Student Loan Service Centre (NSLSC) will send you a welcome email when it’s time for you to register for your online account and complete your MSFAA online. After you’ve submitted your OSAP application, keep an eye on your inbox for this email. You can also find this link under your required documents page two-to-three days after you submit OSAP application, as well as the 10-digit MSFAA number.
The MSFAA is a legal agreement between you and the federal and Ontario governments. It outlines your responsibilities and the terms and conditions of accepting and repaying student loans. There is a two-step process to complete your MSFAA:
- Register online with the National Student Loans Service Centre (NSLSC) using your 10-digit MSFAA number
- Complete the MSFAA and accept the terms and conditions
Have questions or need assistance with your OSAP application?
The Financial Aid team is here to help! Contact us at finaid@loyalistcollege.com, or book an in-person or online appointment.
When submitting your appointment request, please include your full name, Loyalist student number and/or OSAP number (OAN), and a brief explanation of what you need help with.
Hours*
Monday: 9 a.m. – 4 p.m. (drop-in)
Tuesday: 9 a.m. – 4 p.m. (by appointment)
Wednesday: 1 – 4 p.m. (drop-in)
Thursday: 9 am – 4 p.m. (by appointment)
Friday: 9 a.m. – 4 p.m. (drop-in)
*Closed daily from 12 – 1 p.m.
Located at our Belleville location in room 2H1
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