OSAP

Four students with laptops sitting in a classroom.

The Ontario Student Assistance Program (OSAP) is a financial aid program that can help you pay for college. Whether you're just starting to explore your options or ready to apply, our friendly team is here to guide you every step of the way. From understanding the application process to maximizing your funding opportunities, we’re committed to helping you succeed.

Skip to main content

Home / Admissions / Paying for college / OSAP

OSAP

OSAP offers two types of funding: 

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.

Learn more about applying for grant funding only

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.  

Not sure how OSAP funding works?
Learn more about understanding your osap funding each semester

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.

Learn more about out-of-province-funding

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 59 percent 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 for OSAP early!

We recommend applying for OSAP early. The 2026–27 OSAP application is now available. 

The 2027-28 applications will be available in May.

learn more and apply

To help you complete your OSAP application, review these step-by-step instructions.

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. Please make sure to include your full name and your student number or OSAP Access Number (OAN) to avoid delays. 

Book your 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. 

Please note: We can no longer support full applications during appointments, nor can we complete an application on your behalf.  Students must complete their own OSAP applications.  If you need additional assistance, we suggest attending during a drop-in day; we have computers you can use to complete your application, and someone will be available if you have questions.  

Hours* 

Monday: 9 a.m. – 4 p.m. (drop-in) 
Tuesday: Closed
Wednesday: Closed 
Thursday: 9 a.m. – 4 p.m. (by appointment) 
Friday: 9 a.m. – 4 p.m. (drop-in) 

*Closed daily from 12:30 – 1:30 p.m. 

Located at our Belleville location in room 2H1