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1,[object Object],Financing Your Education and the ,[object Object],Ontario Student Assistance Program,[object Object]
2,[object Object],HOW ARE WE GOING TO PAY FOR THIS?,[object Object],OSAP – Ontario Student Assistance Program,[object Object],Scholarships and Awards,[object Object],Bursaries and Grants,[object Object],Part-Time Employment,[object Object],Student Lines of Credit,[object Object],Discounts and Savings,[object Object]
3,[object Object],WHAT IS OSAP?,[object Object],ONTARIO STUDENT ASSISTANCE PROGRAM,[object Object],Provincially and federally funded,[object Object],needs-based loans and grants ,[object Object],to help subsidize cost of post-secondary education ,[object Object],310,000+ of college and university students per year.,[object Object]
4,[object Object],TYPES OF ASSISTANCE WHILE IN SCHOOL,[object Object],[object Object],Canada-Ontario Integrated Student Loans,[object Object],Millennium-Ontario Access Grants,[object Object],[object Object],Canada Study Grants,[object Object],Canada Part-Time Student Loans,[object Object],[object Object],Ontario Access Grants,[object Object],Queen Elizabeth II Aiming for the Top Scholarship,[object Object],Bursary for Students with Disabilities,[object Object],Child-Care Bursary Plan,[object Object],Ontario Special Bursary Plan,[object Object],Ontario Work Study Plan,[object Object],Textbook & Technology Grants,[object Object],Distance and Travel Grants,[object Object]
5,[object Object],ELIGIBILITY FOR OSAP,[object Object],[object Object],Canadian citizen, Permanent Resident or Protected Person;,[object Object],Meet Ontario residency requirements;,[object Object],Be enrolled in an approved postsecondary institution taking an approved program;,[object Object],Be taking at least 60% of a full course load,[object Object],40% if you have a permanent disability,[object Object]
6,[object Object],Allowable Educational Costs,[object Object],Expected Financial Contribution,[object Object],Calculated Financial Need,[object Object],minus,[object Object],equals,[object Object],Tuition & Compulsory Fees,[object Object],Books & Supplies,[object Object],Equipment,[object Object],Computer Costs,[object Object],Personal Living Expenses,[object Object],Child Care,[object Object],Travel,[object Object],Student Income,[object Object],Student Assets,[object Object],Parental Income,[object Object],Spousal Income,[object Object],Spousal Assets ,[object Object],Federal Assistance,[object Object],Provincial Assistance,[object Object],CALCULATION OF FINANCIAL NEED,[object Object]
7,[object Object],APPLICATION,[object Object],[object Object],http://osap.gov.on.ca,[object Object],Online – FREE ,[object Object],Paper – $10 fee,[object Object],[object Object]
Outside Ontario – submit to Thunder Bay Office,[object Object],[object Object]
10,[object Object]
11,[object Object],Most of you will choose this option.,[object Object]
12,[object Object],Most of you will choose this option.,[object Object]
13,[object Object],VERIFICATION,[object Object],[object Object]
ALL income is verified with the Canada Revenue Agency (CRA)Discrepancies can result in reassessments and potential restrictions from further funding.,[object Object]
14,[object Object],OSAP REVIEW PROCESS,[object Object],[object Object],Family breakdown,[object Object],Loss of parental employment,[object Object],Pre-study income contributions,[object Object],Academic progress,[object Object],Additional travel costs,[object Object],Living away from home,[object Object]
15,[object Object],STUDENT RESPONSIBILITIES,[object Object],You are responsible for:,[object Object],Reporting information accurately on your OSAP application;,[object Object],Meeting application deadlines;,[object Object],Promptly reporting changes to your Financial Aid Office (income, address, etc); ,[object Object],Informing the National Student Loan Service Centre of your enrolment status (COE/CIFS) each year; and,[object Object],Maintaining satisfactory academic progress.,[object Object]
16,[object Object],AFTER COMPLETING STUDIES,[object Object],[object Object]
Repayment starts six months after leaving full-time studies.
Interest begins to accrue from the time you stop being a full-time student.
Ontario Student Opportunity Grants
Assistance is available if you cannot make your minimum payments.,[object Object]
18,[object Object],OTHER RESOURCES,[object Object],Institutional Assistance in the forms of:,[object Object],Entrance Awards/Scholarships,[object Object],In-course Awards/Scholarships,[object Object],Bursaries/Grants,[object Object],Work Study programs,[object Object]
19,[object Object],OTHER RESOURCES,[object Object],External Scholarships & Bursaries,[object Object],www.studentawards.com,[object Object],www.scholarshipscanada.com,[object Object],www.myschool101.com,[object Object],www.gwmsc.ca,[object Object],www.electronicinfo.ca,[object Object],Community Groups/Companies,[object Object],Rotary Club, Lions Club, other associations,[object Object],Charitable Organizations,[object Object],Parent’s/student’s place of employment,[object Object]

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OSAP (Financial Aid)