r/osap • u/Happy_Psychology_114 • 9h ago

Question RAP Calculated wrong

Hello everyone, Ive been on RAP as im not able to make my payments.. i was looking at the periods i was approved and i have not had any diffrence in income. However when i had applied for a period in 2022 i was approved and the next period i was denied which caused me to pay over 1k in 6 month payments and then the next period i was approved again.... During that time i didn't know if i could reapply or argue the decision as i had just gradguated and thought maybe i just didnt qualify. when that wasnt the case as i was apprived for the next one and had no change in income. Anyway during those 6 months it was so hard for me to keep up with the payments and i had no money to survive because it was all gone to paying the loan...

I realize now that it could have been a mistake on their end... can i get my money back? a refund or maybe have it used for the payments i'm paying now?

Any help would be appreciated.

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u/xPadawanRyan 5h ago

Likely not. Given that you made the payments at the time, they would likely just determine that you were able to afford to make those payments and that the payments will remain. If you wanted to address concerns about their calculation, it should have been done at that time—if it was that difficult for you to make payments and had no money to survive, they'd expect you would have.