OSAP is a yearly application, it typically takes less than 15 minutes to complete. You can start your application and come back to it if you need extra time.
You will need:
- Your Social Insurance Number (SIN) to create your OSAP account.
- Info about your school and program
- Your parents’ or spouse’s SIN (if applicable)
- Your tax information
- Your parents’ or spouse’s tax information
You should submit your OSAP application no later than 60 days before the end of your study period.
When you submit your application, opt-in for email notifications, you will receive an estimate of how much OSAP grants and loans you can get.
In special circumstances you could qualify for more money if you are:
- An Indigenous student
- A student with a permanent disability
- A current or former Crown ward
- The first in your family to go to college or university
You will be informed about the required documents through your OSAP account. You may need to complete your signature and declaration forms and submit additional documents. Once you’ve gathered and completed your required documents, you can upload, mail or deliver them directly to the Student Financial Assistance Branch in Ontario which acts as your OSAP financial aid office, no later than 40 days from the end of your study period.
You may be asked to complete a Master Student Financial Assistance Agreement (MSFAA) which is a lifetime student loan agreement for full-time students. It should be completed the first time you apply to OSAP. It is required only once during your postsecondary studies. The agreement contains the terms and condition
s you need to agree to in order to receive and repay your OSAP loan. Once completed, print and send the MSFAA to the National Student Loans Service Centre (NSLSC).
Application Process Time
From the time you submit your application and the time all your required documents are received, it usually takes about 3 to 6 weeks to hear back.