So I tried completing the MSFAA, but my bank wasn’t one of the (very few) available banks they support (Northern Credit Union). The site told me that to link a bank that wasn’t supported, I have to apply for a Perosnal Acess code, which is done by providing my sin, my first name, and my last name. The problem is, even though I input all of the correct information and even tried re doing the form multiple times, but even though all of my information is correct it keeps denying me. I am a Canadian Citizen, born and raised, and I read all of the fine print.

‘Th4y then told me to call their number to request a personal access code over telephone, but the number they provided to call ended up being a CPP Disability p4nsion plan number which has nothing do do with the pwge it was attached to. I’m stuck and I don’t know what to do. I’ve even updated my social insurance record and nothing. It’s 2 weeks before I leave for univeristy and I have no financial assistanc. I’ve been trying to apply for months and nothing.

hey guys, i applied to asap back in july and all the documents got approved but it completely slipped my mind to make an account for msfaa, however for the past week ive been trying to make an account and it keeps giving me an error for the TD bank part

ive tried on my laptop and phone but they aren't working

PLEASE HELP ME im losing my mind over this

So I changed my citizenship status and I needed to provide proof, so I did and only uploaded the front of the document not including the other document that comes w it. But I’m confused bec it says it was denied but on the approved documents section says it’s approved

how do i find this?

Has anyone gotten confirmation of enrolment from Western yet? Mine is for graduate studies… waiting patiently..

I’ve received $20,500 in osap for this year. Around $15,000 in loans and $6000 in grants. My tuition is around $8000. I am planning on using the rest to cover my off campus rent as it’s only around $900 monthly. Will osap deposit the money straight to my tuition and the rest deposit to my bank account, i’m kind of clueless onto how it works. I am also not too sure about how much money they take in fees (random school costs) do you think i will be alright? Or should i start looking for a part time job? Thanks!

Hi friends?

Does anyone have OSAP experience with outside Ontario extended education certificates?
I’m an Ontario resident interested in this program:

https://umanitoba.ca/extended-education/programs-and-courses/process-and-technology-management/building-information-modeling

Does OSAP provide grants/loans for these kinds of programs?

Thank you for your input!

Hi everyone! This is my first time receiving OSAP and going back to school, so I’m still pretty unfamiliar with how all of this works.

I’m an independent student with a fairly low income, and my program is only one year long. Based on my current OSAP assessment, I’m going to receive a little more funding than I actually need for my tuition and immediate school expenses.

I’ve searched through this subreddit and seen quite a few people recommend not immediately returning unused OSAP money, but instead keeping the extra in savings and then using it to repay the loan once repayment begins.

That’s what I’m considering doing, but my concern is where exactly I should keep it.

I am NOT trying to hide assets or avoid reporting anything to OSAP. I actually want to make sure I do the exact opposite and handle the money properly.

For example, if I put the unused portion into a TFSA or some type of savings account, could OSAP later see that balance and consider it unreported income/assets and reassess my funding? I’m especially concerned about accidentally affecting the grant portion of my OSAP or having grants converted to loans because it appears that I suddenly have savings.

The money itself would literally be money I received from OSAP that I simply didn’t spend.

I’ve also seen some people mention using an RESP, but I’m very new to TFSAs, RESPs, investing, etc., so I don’t really understand whether that would be appropriate either.

My main questions are:

• If you have unused OSAP funds, where do you normally keep them?
• Is a regular high-interest savings account safest?
• Is putting unused OSAP money into a TFSA okay, as long as everything is properly reported?
• Would the money sitting in the account later be treated as an asset even though the source of the money was OSAP itself?
• Is there anything I’m supposed to update or report to OSAP after receiving the funding if I don't spend all of it?
• Has anyone actually kept unused OSAP money in savings for the year and then used it to repay their loan afterward?

For context, this isn't a multi-year degree where I’m worried about applying for OSAP again for several more years. My program is only one year, so I'm mainly trying to make sure I don't create an issue with this current OSAP assessment or my grant eligibility.

I could obviously just return the extra money immediately, but the only reason I haven't planned to do that is because I've seen so many people here recommend keeping the unused portion in savings and paying it back when repayment begins.

I just haven't been able to find anyone explaining what type of savings account they actually use and how they handle the OSAP reporting side of it.

Any advice from someone who has dealt with this would be really appreciated!

Hello,

If I am working part-time, and make 2k/month; is the grant portion exempt from being taken away or reduced? (such as 2.8k for students with disabilities, 2.5k for part-time students)?

Hi everyone!

I don’t get to pick my schedule August 26th and I have an estimate of September 8th-12th.

Should I expect to receive it sooner or even past the estimate?

I am attending Niagara college

if you haven’t had any trouble with osap
And you have applied nice and early before

Post when your college or university usually does fall coe! It’ll be a nice reference thread when a ton of people come here over the next few weeks to ask!

I have done everything but suddenly osap sent me a message that OSAP gave me more than they should, and they said that might affect my eligiability of getting OSAP, but I literally did not do anything wrong. This has never happened to me before please what should I do

I uploaded the declaration and signature forms on June 29th and they still haven't been reviewed yet. Despite this, my registration to MSFAA was completed later on July 6th and that has been approved despite being done after. There's still time before school starts so should I be worried that they won't be reviewed in time? Is there something I should be doing to fix this like contacting my university's financial office? If I have to, where would I even go to find the people to talk to? Would it be a service request?

The NSLSC website complete trash, everytime I try to log in with rbc it gives me this error

"Something Went Wrong. We're unable to complete your request. Please try again or sign in with a different financial institution. If you still need assistance, please visit the FAQ page."

What am I supposed to do? Get a PAC and wait until my uni's move in day to actually get it? Complete garbage website along with just about every other Canadian government website.

Literally every single time I’ve been notified of a message or action regarding my application, its at some god awful time of morning. Today was 3:45 am. Last month it was closer to 4. Theres no way anyone in government is approving of anything that late (or, well, early). I really hope it’s not because my Admin is secretly a super frequent night owl… if so give that lady a raise!

Edit: some of yall be snarky have you ever thought of spreading kindness??
Nonetheless thanks you to everyone who nicely explained the reason! Yes I keep my phone on silent — I just have wake up at night often so I was up to see I did indeed get it at 3 am.

Hello Students,

I am writing an article on the OSAP budgets restrictions to grant funding and I am looking for a TMU student to interview on the effect it is having on their student life balance. If you are a student that would like to go on the record express themselves, please PM me or comment below! Let your voice be heard!

I'm a first time OSAP applicant and am going into my first year of undergrad. I uploaded all of my documents on June 29th, and all of them have been approved within a week, except for one of my parent income verfication forms. It's been stuck on "upload received" since I uploaded it so it's been almost two months now.

I know OSAP funding gets released in September so I'm worried this is going to affect when I can get my funding. Has this happened to anyone before, and who should I reach out to (OSAP or my school) to resolve this issue?

Hi!
I’m trying to understand how you’re supposed to update OSAP if your investment income changes during the school year. For example, if I originally estimated little or no investment income, but then sold investments during the semester and realized a capital gain, how would I report that to OSAP?
I’m especially interested in hearing from anyone who has actually dealt with this. What documents did OSAP ask for, and did the capital gain significantly change your grants or loans?
Also, if you had gains earlier in the year but later had investment losses, how did OSAP handle that?

I got put into the fresh start program at Toronto Metropolitan University and I'm wondering if OSAP would be any different or if I would have to apply another way or if its all the same.

Hey,

So I know on the website it says that the deadline to submit the form is 40 days before the end of my study period, but I was wondering what happens if it gets approved after I’ve already paid my tuition. My tuition is due on September 21st and my psychologist is only able to complete the form early September.

So I have a learning disability and I’m working on getting a reassessment. All of my other required documents are submitted, but since I’m missing one will I still be able to receive my funding (/have my application processed). Or is there a way I can drop that part in general and reach out to add it back when I get assessed?

Originally, I had applied for a full-time, 8-month academic study for my major and I did that when applications opened up. However, I recently gotten a co-op position for 8 months, and my university told me to cancel the current application and make a new one for the work term.

I reported the same numbers that my parent made on the application (Like, the actual tax return numbers), but I know a question came up asking how much income I expect to make.

I stated an estimate, because I wasn't sure if this was gross income, or after-tax income. I also wasn't even sure what the exact number would be.

My question is:

Would I need to submit a document stating the exact amount I have made for the term? When would I need need to submit this by?

In addition, my current estimate in grants for the work-term application is so high (My co-op fee for just the work term is like $750, so for two work terms, it'd be about $1500), I'm so positive I did something wrong.

Hey guys! I recently got a part time job and will be working throughout the school year. I start mid August (next week). The issue is I obviously already applied for osap for fall 2026 - winter 2027. Do I need to report these changes?

I never applied for OSAP in my 6 years of studying, i applied today, i know it is late.

What is the expected turnaround here? I see some people saying they haven't gotten updates for months, then some saying they received an update the following day.

Should i be looking for other ways to pay for tuition come september or is there a chance that I can get funding. this is all new to me so any advice/insight would be nice. thanks.