OSAP definitions

A collection of common OSAP terms and their definitions.

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Academic progress

You are required to maintain satisfactory academic progress in the courses for which you have received funding to remain eligible for full-time student OSAP and the Ontario Learn and Stay Grant.

Satisfactory academic progress is defined as receiving a passing grade in 60% of what your school considers to be a full-time course load. Students with a permanent disability or a persistent or prolonged disability must pass 40% of a full-time course load. You must pass 100% of your full-time course load if you are attending a private postsecondary institution inside of Ontario.

Part-time students must pass 100% of their courses for which they received part-time OSAP funding.

In addition to course failures, the following maybe considered as unsatisfactory academic progress:

• multiple repeats of programs or program switches
• course drops
• withdrawals

Academic year

For OSAP the academic year runs from August 1 to July 31 of the following year. The date your study period begins determines which academic year application you need to use to apply.

For example, the “2024–2025 academic year” for OSAP is based on a study period that starts anytime between August 1, 2024 and July 31, 2025.

Some programs, such as the Continuation of Interest-Free Status program, are not academic-year specific and do not have academic-year specific applications.

Academic upgrading program

Examples of academic upgrading programs include:

• upgrading to high school equivalency
• English- or French-as-a-second-language
• literacy and basic skills
• academic and career entrance
• pre-university programs

Affidavit

An affidavit is a document where the contents have been sworn to be true.

It is sworn by you and/or a family member (if applicable) and signed before:

• a lawyer
• a person who is not a lawyer but who is a commissioner of oaths or
• a notary public

Some universities and colleges provide this service on campus for free or at a low cost to students. Check with your school’s financial aid office for details.

A commissioner of oaths is usually available at:

• courthouses
• community legal clinics
• municipal or township offices, or
• law offices

Some documents can be sworn before a commissioner of oaths at select ServiceOntario locations.

American Sign Language

Manual language with its own syntax and grammar, used primarily by people who are Deaf.

Bankruptcy or related events

If you filed for bankruptcy or initiated a related event, this means you’ve acted under the Bankruptcy and Insolvency Act (Canada) . You have:

• filed for bankruptcy
• made a consumer proposal
• obtained a consolidation order
• filed a document seeking relief for the orderly payment of debts

Discharged bankrupt

You’re a discharged bankrupt if you:

• filed for bankruptcy and
• obtained an “absolute order of discharge” from the court

Undischarged bankrupt

You're an undischarged bankrupt if you:

• filed for bankruptcy and that process has not been completed, withdrawn, annulled or
• did not obtain an “absolute order of discharge” from the court

Bursary

A bursary is financial aid that isn’t a loan and that you typically don’t have to pay back. A bursary is usually awarded based on financial need and other factors.

Compulsory fees

Compulsory fees include service and education-related costs charged by your school that all students must pay.

These fees fund campus-wide services, such as:

• health services
• athletic fees
• Walksafe programs

Common-law relationship

For OSAP , you’re living in a common-law relationship if you and your spouse:

• have cohabitated continuously for a period of at least 3 years or
• are in a relationship of some permanence and are the natural or adoptive parents of a child

Course load

Your course load is the number of courses or credits you’re taking.

For OSAP , your course load is expressed as a percentage of a full course load.

For example, if a full course load for your program is 5 courses and you’re taking 3 courses, that’s 60% of a full course load. Your school determines the number of courses or credits that make up a 100% course load.

Contact your financial aid office if you need help determining your course load percentage.

Consumer proposal

A consumer proposal is an offer made by those who owe money (debtors) to those who are owed money (creditors). The proposal is a settlement offer that is usually different from the original contract.

For example, you may offer your creditors:

• a lower monthly payment over a longer time period
• a percentage of what you owe

Credit check

Prior to the 2023–2024 academic year, if you were applying for OSAP , were older than 22, and had never received an OSAP student loan, the government would conduct a credit check to review your credit history. This was done electronically with a credit reporting agency.

As of the 2023–2024 academic year, a credit check is no longer required as part of the OSAP application process. However, your credit history may be reviewed through audits and investigations conducted by the Ministry of Colleges and Universities.

Crown ward

A Crown ward is a term previously used to describe an individual in Ontario who became a ward of the Crown by a court order made under the former Child and Family Services Act . A Crown ward is now referred to as a youth in or from extended society care .

Dependent student

Note: This definition applies only to the OSAP Application for Full-Time Students.

If all of the following are true, you are a dependent student:

• you are not married or in a common-law relationship
• you are not separated, divorced or widowed
• you are not a sole-support parent
• you have been out of high school for:
  • less than 6 years before the start of your study period (applies to the provincial funding calculation only)
  • less than 4 less before the start of your study period (applies to the federal funding calculation only)

  Entitlement

  Not everyone receives the same amount of OSAP . The amount you qualify for is called your entitlement. Your entitlement is based on information:

  • you provide on your application
  • from your postsecondary school, and
  • verified with third parties (for example, the Canada Revenue Agency)

  Expected financial contributions

  OSAP expects that you and your family have planned for your full-time postsecondary education. The purpose of OSAP is to supplement, not replace your resources.

  In general, you’re expected to contribute towards your educational costs.

  • for 2024–2025: Your contribution will be $3,600.

  However, your contribution could be waived in some situations (for example, if you have one or more children or you receive continued care and support from an Ontario Children’s Aid Society, or you self-identify as an Indigenous student). A contribution may also be expected based on your assets and/or your spouse’s (if applicable).

  A financial contribution may be expected from your parents or spouse, depending on their income.

  Extenuating parental circumstances

  Formerly known as Family breakdown.

  If either of the following unusual and extenuating circumstances is true, you may request that your OSAP Application for Full-Time Students or your OSAP Application for Micro-credentials is processed without information and consent from one or both of your parents:

  • You are estranged from or have been disowned by your parent(s) (such as a serious rift in the family has resulted in a severe and/or permanent breakdown in the parent-child relationship).
  • Your parent(s) is/are unable to sign required OSAP documentation due to situations such as political unrest or civil war in the country that they live in, they are in a refugee camp, or their whereabouts are unknown because of the political climate in their country.

  We will tell you what supporting documents you’ll need to provide when you apply for OSAP. You can contact your financial aid office for more information if you have any questions about the documents required.

  Financial need

  OSAP is a needs-based program. This means that financial aid for full-time students is based on a formula that compares your education costs with expected financial contributions.

  OSAP allowable educational costs & allowances minus Expected Financial Contribution equals Financial Need

  OSAP allowable educational costs & allowances

  • tuition and compulsory fees
  • books and supplies
  • equipment
  • computer
  • personal living expenses
  • child care
  • transportation

  Resources for Expected Financial Contribution

  • student income
  • student assets
  • parental or spousal income
    (if applicable)
  • spousal assets
    (if applicable)

  Francophone student

  You’re considered a Francophone student if:

  • your mother tongue is French or
  • you studied in French at the elementary or secondary level or
  • you are/were enrolled in a postsecondary program offered at least partially in French

  Full-time studies

  For OSAP purposes, you’re in full-time studies if you’re taking 60% or more of a full course load. If you have a permanent disability or a persistent or prolonged disability, you may choose to be considered as a full-time student if you’re taking at least 40% of a full course load.

  Grant

  A grant is a type of aid that is not a loan and that you typically do not have to pay back. A grant is usually awarded based on financial need and/or other factors.

  Normally, OSAP grants are money you don’t need to pay back. However, there are instances where all or part of your grants may be converted to a loan.

  Gross income

  Gross income is usually all the money you receive before any taxes or deductions have been subtracted.

  Independent student

  If you’re applying to OSAP as a full-time student, you’re considered a single independent student if both of the following are true:

  • you’re not currently married or in a common-law relationship
  • you don’t have any dependent children

  And if at least 1 of the following applies to you:

  • you have been out of high school for:
    • 6 or more years at the start of your study period (applies to the provincial funding calculation only)
    • 4 or more years at the start of your study period (applies to the federal funding calculation only)

    Loan

    A loan is money you borrow that must be paid back. With OSAP , you're borrowing the money from the governments of Canada and/or Ontario. With student loans, you don’t have to pay the interest that adds up while you're in school. It is paid by the federal and provincial governments. You have a period of six months (a “grace period”) after you graduate or leave full-time studies before you are required to pay back your loan.

    Your monthly payment is based on your loan principal (the amount you borrow) as well as interest on your loan.

    Note:

    You agree to the terms and conditions of the loan when you complete your Master Student Financial Assistance Agreement (MSFAA) with the National Student Loans Service Centre (NSLSC). These terms and conditions may be updated from time to time.

    Master Student Financial Assistance Agreement ( MSFAA )

    The Master Student Financial Assistance Agreement ( MSFAA ) is a lifetime student loan agreement. The agreement contains the terms and conditions you need to agree to in order to receive and repay your OSAP loan. There are separate MSFAAs for full-time and part-time students.

    Note:

    These terms and conditions may be updated from time to time.

    National Student Loans Service Centre ( NSLSC )

    The National Student Loans Service Centre administers student loans funded by the federal and/or Ontario governments. This includes:

    • processing your Master Student Financial Assistance Agreement ( MSFAA )
    • arranging for your loan and/or grants to be deposited to your bank account
    • keeping track of your loan debt and repayments
    • giving you your repayment schedule
    • administering the Repayment Assistance Plan ( RAP )

    Official sponsor

    Your official sponsor is the person in Canada who officially assumes responsibility for your maintenance. Your sponsor either nominated or sponsored you into Canada and has signed an Undertaking with Immigration, Refugees and Citizenship Canada.

    Ontario Education Number ( OEN )

    The nine-digit Ontario Education Number is a student identification number assigned by the Ministry of Education to Ontario elementary and secondary students. This unique number identifies a student’s school records and follows the student throughout their education.

    OSAP

    OSAP stands for the Ontario Student Assistance Program. OSAP is run by the Ministry of Colleges and Universities and is funded by the federal and provincial governments.

    Through OSAP you can apply for assistance as a full-time student, a part-time student, or a student of a micro-credential program. Applications for full-time or part-time studies automatically consider you for funding from several grants and a loan. Applications for a micro-credential program automatically consider you for a grant and a loan.

    There are also programs to help you repay your student loan once you’re done school.

    Overpayment

    There are 2 types of overpayment:

    • A loan overpayment occurs when you receive more loan funding than you should have. This may happen if things change from when you first completed your OSAP application. For example, you take fewer courses than you anticipated or you earn more than expected while in school.
    • A grant/bursary overpayment exists when you receive more grant or bursary funding than you should have. You may be required to repay the overpayment to be eligible for further student aid. Some grant overpayments are converted to a loan to repay.

    Part-time studies

    For OSAP , you’re in part-time studies if you’re taking between 20% and 59% of a full course load. Your course load percentage is defined by your school.

    Permanent disability

    For OSAP , a permanent disability is any impairment, including a physical, mental, intellectual, cognitive, learning, communication or sensory impairment, or a functional limitation that:

    • restricts your ability to perform the daily activities necessary to pursue studies at a postsecondary school level or to participate in the labour force
    • is expected to remain with you for your expected life

    Persistent or prolonged disability

    A persistent or prolonged disability is any impairment, including a physical, mental, intellectual, cognitive, learning, communication or sensory impairment or a functional limitation that:

    • restricts your ability to perform the daily activities necessary to pursue studies at a postsecondary school level or to participate in the labour force
    • has lasted, or is expected to last, for a period of at least 12 months but is not expected to remain with you for your expected life

    Protected person

    Protected persons are individuals who hold a valid Verification of Status document issued by Immigration, Refugees and Citizenship Canada, or a valid Protected Persons Status Document issued prior to January 1, 2013. A decision letter (“Notice of Decision”) from the Immigration and Refugee Board ( IRB ) is also a valid form of identification.

    Protected Persons can include convention refugees, humanitarian-protected persons abroad, and persons in need of protection. A person in need of protection is a person in Canada whose removal to their country of nationality or former habitual residence will make them subject to the possibility of torture, risk of life, or risk of cruel and unusual treatment or punishment.

    A protected person is defined in subsection 95(2) of the Immigration and Refugee Protection Act (Canada) .

    Scholarship

    A scholarship is a type of aid you typically don't have to pay back. A scholarship is usually awarded based on academic merit and other factors.

    Sole support parent

    For OSAP , you’re a sole-support parent if:

    • you have a dependent child or children living with you full-time during your study period and
    • you’re single, separated, divorced or widowed

    Study period

    For OSAP , the study period is the time period used to determine the amount of OSAP funding you’re eligible to receive for the OSAP academic year. It also determines your deadline dates.

    Usually, your OSAP study period is the normal school year for your program. It may include one or more terms. Ask your school if you’re unsure about your study period.

    Youth in or from extended society care

    An individual in or from extended society care who has been placed in the care and custody of the Crown by a court order made under the Child, Youth and Family Service Act. Formerly referred to as a Crown ward.