
The Ontario Student Assistance Program (OSAP) is a financial aid program that helps students pay for college or university. OSAP provides a mix of grants and loans to eligible students. International students are ineligible for OSAP unless they meet certain residency requirements, such as having lived in Ontario for at least 12 consecutive months before starting their studies. Students attending school abroad may still be eligible for OSAP if the school is approved for student loan purposes in Ontario. The Student Financial Assistance Branch of the Ontario Ministry of Colleges, Universities, Research Excellence and Security acts as the financial aid office for students receiving OSAP while studying abroad.
| Characteristics | Values |
|---|---|
| Eligibility | Canadian citizens, permanent residents, or protected persons |
| Ineligible | International students |
| Residency requirements | Must be a resident of Ontario, having lived in the province for at least 12 consecutive months before starting studies |
| Application process | Online through the OSAP website |
| Required documentation | Signature and consent pages, supporting documentation, Master Student Financial Assistance Agreement (MSFAA) |
| Funding sources for international students | Scholarships, home country financial aid programs, other sources |
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What You'll Learn

International students are ineligible for OSAP
The Ontario Student Assistance Program (OSAP) is a financial aid program that helps students pay for college or university. OSAP provides both grants and loans to eligible students. However, international students are generally ineligible for OSAP. To be eligible for OSAP, one must be a Canadian citizen, a permanent resident, or have protected person status. In addition, applicants must have Ontario residency, which means having lived in Ontario for at least 12 consecutive months before the start of their studies.
There are, however, other options for international students seeking financial aid to study in Ontario. Firstly, international students can study abroad and still be eligible for a mix of grants and loans through OSAP if they meet certain requirements. The school they plan to attend must be approved for student loan purposes in Ontario. If the school is located outside of Ontario and is not approved for OSAP, students can request that the government consider approving the school. This can be done by completing and submitting an "Institution & Program Approval Application" form, which must be signed and dated by an authorized representative from the school.
Additionally, international students attending school abroad who have qualified for OSAP will have the Student Financial Assistance Branch of the Ontario Ministry of Colleges, Universities, Research Excellence and Security act as their financial aid office. This means that they will deal directly with this branch regarding their student loan.
It is important to note that the eligibility criteria and application process for OSAP may vary, and interested students should refer to the official OSAP website and guidelines for the most up-to-date and accurate information.
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Studying abroad with OSAP
The OSAP application process can be completed online, and it is recommended to apply as early as possible. The application typically opens in April or May for the upcoming fall semester, and to guarantee funding for the fall, applications and supporting documents must be submitted by June 30th. The application has two main parts: the OSAP Application Form and the OSAP Supplemental Information Form. The latter is specifically for students participating in exchange programs and can be found on OSAP's website.
It is important to note that the OSAP application is integrated, meaning applicants are considered for both provincial and federal aid simultaneously. The provincial and federal governments assess eligibility differently, and not all applicants are approved for assistance. An assessment of financial need is conducted, and factors such as the student's course load and family income are considered.
For those studying abroad, it is crucial to be organized and stay on top of the application process. This includes regularly checking the status of your application and ensuring all required documentation is submitted on time. It is also recommended to set up an account with the National Student Loan Service Centre (NSLSC) to track your loan and repayment status.
While OSAP can provide significant financial support for eligible students studying abroad, it is always a good idea to have other funding plans in place as well. Scholarships and awards for international students are often limited and competitive, so exploring various funding options is essential to ensure you can cover all the costs associated with your studies.
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OSAP application process
The Ontario Student Assistance Program (OSAP) is a government initiative that provides financial assistance to students who meet certain eligibility criteria. The application process for OSAP can be completed online and typically takes less than 15 minutes. Here is a step-by-step guide to the OSAP application process:
Step 1: Check Eligibility
Before starting the application process, it is important to determine your eligibility for OSAP. To be eligible, you must meet specific residency requirements, such as being a resident of Ontario or having a spouse or parent who satisfies these requirements. Additionally, you need to be enrolled in a qualifying program and meet the minimum course load requirements, which vary for full-time and part-time students.
Step 2: Register and Create an Account
To apply for OSAP, you need to register for an OSAP account using your Social Insurance Number (SIN). You will receive an OSAP Access Number and password, which you should keep for future logins.
Step 3: Complete the Application Form
Log in to your OSAP account and complete the application form. Provide accurate and up-to-date information, including your tax information, income details, and any other relevant financial data. If you are unsure about your school choice, you can submit a separate OSAP application for each school you have applied to.
Step 4: Submit the Application
Submit your OSAP application by the specified deadline. The deadline varies depending on your student status (full-time or part-time) and the length of your study period. For instance, full-time students and part-time students with study periods of 21 weeks or more must submit their applications no later than 60 days before the end of their study period.
Step 5: Receive Funding Estimate
After submitting your application, you will receive an estimate of the OSAP funding you may be eligible to receive. This estimate will give you an idea of the potential financial assistance available to you.
Step 6: Provide Supporting Documentation
While not required at the time of application, you will need to submit supporting documentation to receive your funding. OSAP provides an additional window to complete this step, usually about 40 days before the study period ends. Ensure you submit all the required documents to avoid delays in receiving your funding.
Step 7: Check Application Status
You can check the status of your OSAP application by logging into your OSAP account regularly. Opt for email notifications to stay updated on any changes or updates to your application.
Please note that the OSAP application process may vary slightly depending on your specific circumstances and the academic year for which you are applying. Additionally, international students are ineligible for OSAP.
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OSAP-approved schools
The Ontario Student Assistance Program (OSAP) is a financial aid initiative by the Government of Ontario to help students cover the costs of post-secondary education. While international students are not eligible for OSAP, there are still certain requirements that must be met to be considered a resident of Ontario for OSAP purposes. These include taking at least 60% of a full course load or 40% if you have a permanent disability. Part-time students must take between 20% and 59% of a full course load, or 20-39% if they have a permanent disability. Additionally, students must have lived in Ontario for at least 12 consecutive months before the start of their studies and not have attended full-time post-secondary school during that time.
When it comes to OSAP-approved schools, private post-secondary schools must meet specific requirements to gain ministry approval to administer OSAP and allocate funds. These requirements include meeting performance standards and obtaining consent from the Minister of Colleges, Universities, Research Excellence, and Security to offer degrees. Alternatively, they can seek degree-granting authority through an Act of the Legislative Assembly of Ontario.
York University is one such OSAP-approved school, guiding students through the OSAP cycle on its website. It emphasizes the need for students to be Canadian citizens, permanent residents, or have protected person status, as well as meet residency requirements. Additionally, students must enrol in a RAFEO-approved program, maintain satisfactory academic progress, and demonstrate financial need based on the government's calculations, which take into account family income, resources, and assets.
Fanshawe College is another OSAP-approved institution that provides important information for students seeking financial aid. They highlight the eligibility requirements, application deadlines, and documentation needed for OSAP applications. Students with disabilities, indigenous students, those receiving social assistance, or first-generation students may have different eligibility criteria and are encouraged to explore their options.
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OSAP funding and grants
The Ontario Student Assistance Program (OSAP) is a government initiative that provides funding to students who need financial assistance to pay for their post-secondary education. OSAP offers both grants and loans to eligible students. To be eligible for OSAP, one must be a Canadian citizen, permanent resident, or have protected person status, as well as have Ontario residency. International students are not eligible for OSAP funding.
To apply for OSAP, students must create an OSAP account and submit their application before the deadline, which is typically 60 days before the end of the study period. Applicants are required to provide basic financial information, including income, family size, dependants, and other factors. It is important to note that taking at least 60% of a full course load, or 40% if you have a permanent disability, is necessary to be considered for OSAP funding.
Once the application is submitted, OSAP will determine the amount and type of aid the applicant will receive. Applicants have the option to decline the loan if they are a full-time or part-time student, even after their application is approved. OSAP funding can be used to attend a college or university anywhere in the world, as long as it is approved.
Students can reapply for OSAP each year to continue receiving funding. Additionally, OSAP offers specific support for underrepresented learners, and students with disabilities may be eligible for extended funding of up to 520 weeks.
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Frequently asked questions
To be eligible for OSAP, you must be a Canadian citizen, a permanent resident, or have protected person status. International students are ineligible for OSAP.
As a publicly funded institution, the University of Toronto is not able to offer direct financial aid to international students. International students should look to their home country for financial aid programs and determine if they qualify for assistance.
Scholarships and entrance awards for international students are limited and competitive. Most scholarships and awards for international students do not cover the full cost of tuition, so it is best to have other funding plans in place as well. All students, including international students, are automatically considered for scholarships upon admission.












