Students

Osap tips/advice/questions

Member
Jul 11, 2017
467 posts
407 upvotes
jacobe wrote: Anybody here who applied get the free tuition thing this coming September? I am curious on how this new rule going to be implemented.
I'm getting the "Free" Tuition as well. Basically from what I've heard, the Ontario government is amalgamating a bunch of their grants together, so instead of "Low Income Family", "Access Grant" and what not into one super grant for "Free" Tuition. So you still apply for OSAP as normal and if you qualify they give you grants equal to "the average tuition cost", so in my case for example, despite being eligible for the free tuition, I do not get Free tuition. My tuition totals approximately $8,812 while I am getting $8,700 in grants (And my tuition doesn't include all mandatory fees, that would bring it closer to $9,500, really not free then!!). To quote OSAP, it states as follows about the amalgamation of grants;
"To help more students qualify for grants and access the student loan system, the government will create a single major upfront grant — the Ontario Student Grant (OSG), starting in the 2017–18 school year. This will be done by redirecting 100 per cent of the funding from the 30% Off Ontario Tuition grant, Ontario Student Opportunity Grant, Ontario Access Grants and other grants offered by OSAP."
Another nice little note in the OSAP reforms includes this;
"Students from families with incomes of less than $50,000 will have no provincial student debt."
Deal Addict
User avatar
Nov 22, 2008
2074 posts
116 upvotes
North York
johnb56789 wrote: I'm getting the "Free" Tuition as well. Basically from what I've heard, the Ontario government is amalgamating a bunch of their grants together, so instead of "Low Income Family", "Access Grant" and what not into one super grant for "Free" Tuition. So you still apply for OSAP as normal and if you qualify they give you grants equal to "the average tuition cost", so in my case for example, despite being eligible for the free tuition, I do not get Free tuition. My tuition totals approximately $8,812 while I am getting $8,700 in grants (And my tuition doesn't include all mandatory fees, that would bring it closer to $9,500, really not free then!!). To quote OSAP, it states as follows about the amalgamation of grants;
"To help more students qualify for grants and access the student loan system, the government will create a single major upfront grant — the Ontario Student Grant (OSG), starting in the 2017–18 school year. This will be done by redirecting 100 per cent of the funding from the 30% Off Ontario Tuition grant, Ontario Student Opportunity Grant, Ontario Access Grants and other grants offered by OSAP."
Another nice little note in the OSAP reforms includes this;
"Students from families with incomes of less than $50,000 will have no provincial student debt."
Thanked. So my understanding is that in your scenario: $9500 - $8700 (OSAP grants) = $800 (what you really owe in loans or have to come up with yourself for the school year). That doesn't seem too bad. Tuition isn't exactly free but it sure does cost much less than what previous students had to borrow. I owed like $3K in my first year. Never had to borrow for the remaining years so I didn't rack up a lot of student debt. Is this your first time going to university and your family income is less than $50,000?

Anybody here who is applying as a mature student? I read that you have to be out of school for one full calendar year to qualify for this new funding system. Or is there someone who is getting a second degree? Is the funding similar?
Member
Jul 11, 2017
467 posts
407 upvotes
jacobe wrote: Thanked. So my understanding is that in your scenario: $9500 - $8700 (OSAP grants) = $800 (what you really owe in loans or have to come up with yourself for the school year). That doesn't seem too bad. Tuition isn't exactly free but it sure does cost much less than what previous students had to borrow. I owed like $3K in my first year. Never had to borrow for the remaining years so I didn't rack up a lot of student debt. Is this your first time going to university and your family income is less than $50,000?

Anybody here who is applying as a mature student? I read that you have to be out of school for one full calendar year to qualify for this new funding system. Or is there someone who is getting a second degree? Is the funding similar?
Yes, that is my scenario, however, it doesn't include my living expenses and other school expenses. In total, an estimate that I got from OSAP said I am eligible for $14,800, with (my mistake in the first post) $7,900 Grants and $6,900 Loans (But this could change once I've applied). The $14,800 does not fully cover, I have to provide about $2000 or so which I do through my CPP/ Trillium and HST benefits. Right now, almost at the start of my third year, I'm sitting at about $13,000 in OSAP debt with more to come. It is my first time at university and family income of $35,000 approx.
Newbie
Jul 15, 2017
1 posts
Hey everyone my name's is Greg. I was wondering if anyone could point me in the right direction here. I have to complete a credit review form for OSAP and I'm beyond stressed out over it. I'm hoping to find some sort of assistance completing it. Are there any guides or resources out there for this? Thanks in advance!
Newbie
Jun 24, 2017
3 posts
Hey there everyone,

I've posted a question in a different thead labeled "The OSAP Rescrition" thread but there hasn't been anybody that could help me out with my questions.

I have a restriction on my OSAP file for filing for a consumer proposal while having an outstanding Canada Student Loan. The loan was only $1,200, I just finished paying it this week. I was told by the NSLSC that once I did that, after 10 days my account would settle and I could just call them and they would remove the restriction from my file. HOWEVER, I have this SECOND restriction on my file which is very mistirous and not even officers from the financial aid office at my school could figure it out. It was placed on my file at the time of filing for my comsumer proposal, but the NSLSC is saying that, that particular restricion is with Ontario (provincial level), and not at the Federal level which had to do with paying off the loan amount.

Is there anybody that can shed some light on this situation? I know being unable to pay off those $1,200 I owed in student loans before filing my CP was the biggest mistake of my life so far, but I am incredibly frustrated as I have not been able to receive OSAP all of last year and I am moving REALLY SLOW with school (can only afford to pay for 1 course every semester while working full time).

Please any advice will be greatly appreciated,

Thank you!
Deal Fanatic
Jan 21, 2014
5139 posts
2750 upvotes
Has anyone received his/her OSOG yet? my daughter's school year ended in May but as of today OSOG for loan reduction is not in her account yet. Is it depending on university? hers is uOttawa
Sr. Member
Jul 20, 2017
563 posts
120 upvotes
Finally the federal gov published a sketch of the rules for the federal tuition grants for students..
As usual some details are missing, it only provides a range of numbers. it seems that Ontario students loose a little, all the others gain quite a lot ( I guess trudeau is sure that he will win in Ontario, no matter what he does). The website does not exactly defines the clawback percentage ( it looks like 5%), neither has a calculator. Previously the grants were based on different income levels for each province. Now that has been replaced with one level for all the country...this seems unfair to ontario that has the highest living costs.. so alberta, sask, nb and ns vote trudeau ...
Sr. Member
Mar 6, 2015
739 posts
57 upvotes
If one change program in post secondary institution and hence lengthen his or her study, how will his or her osap be affected?
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Member
Jul 11, 2017
467 posts
407 upvotes
Well, as per the norm, the government has screwed me over yet AGAIN!!!

I put in my OSAP application and received my funding summary a little while ago and see that despite having such a low family income (WAY under the threshold for "Free tuition") magically, I am not eligible for it?!?!

My estimate shows the following;
Grants; $6,116 + Loans; $6,930 = Total; $13,046 (LESS than my first year under the old system)

Almost $3,000 UNDER what the initial estimate showed and I have NOTHING that should bring it down that far (The ONLY thing is that my brother is starting post secondary meaning my mother has to help two kids through school with her income). Despise both Trudeau and Wynne that's for sure, this "Free tuition" thing was the ONLY saving grace for Wynne but she's managed to go and blow it for me.
Member
Jul 11, 2017
467 posts
407 upvotes
cybercavalier wrote: If one change program in post secondary institution and hence lengthen his or her study, how will his or her osap be affected?
Well, I changed my program (From BAcc Bachelor of Accounting to BBA Bachelor of Business Admin) and so far nothing has changed for me, I will be going into my third year now under the BBA after completing two years of the BAcc. In my case, every course I have done carries over so there is very little catching up, hence not much extra if any time at all tacked onto my degree. My OSAP this coming year is much lower than it should be, so I'm not sure if it is caused by the change or the new system yet. I emailed my Student Aid office to get them to start looking into it, but I highly doubt a program change would affect OSAP, so long as you don't hit the lifetime maximum.
Newbie
Aug 31, 2017
1 posts
Hi so I'm suppose to get $2860 in my bank after tuition but I only received $1000 would THE give me the rest after couple of days? This is just for the 60%
Jr. Member
Sep 2, 2015
120 posts
26 upvotes
East York, ON
AnushanB257034 wrote: Hi so I'm suppose to get $2860 in my bank after tuition but I only received $1000 would THE give me the rest after couple of days? This is just for the 60%
sometimes it's split in two. check nslsc web site if they sent it.
Newbie
Nov 14, 2010
10 posts
1 upvote
Canada
On OSAP, they split my grant into two:

1. Ontario Student Grant
2. Canada Student Grant for Full-Time Students

Right now, I only received the Canada Student Grant for Full-Time Students. Just wondering if I'll be receiving the Ontario Student Grant later or did they miss it?
Newbie
Sep 6, 2017
11 posts
2 upvotes
Hi.
I have a question regarding timing of OSAP deposits if anyone knows. My status says 'ready to be released' & expected dates of Sept 8-12. I start the 12th. Just wondering if anyone knows if it still takes longer than the estimated date & when it says 'ready to be released' does that mean it's going to be deposited in my bank account?
Deal Guru
User avatar
Mar 23, 2008
11520 posts
7802 upvotes
Edmonton
GTAman wrote: So as usual OSAP is delaying the release of my funds. This term, they claim that I'm "not maintaining satisfactory academic progress" despite being an A-average full-time student.

They are asking for a letter explain my "failures" and transcript so that they can make review before releasing any money.

What to do?

Thanks.
Did they give you a number to call, or anybody to communicate with? I'd start there...

Not sure if this will help:
http://osap.yorku.ca/academic-progress- ... igibility/
http://www1.uwindsor.ca/awards/osap-aca ... t-instance

But it appears that merely passing your classes may not be enough. No idea what would apply to your situation...

C

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