OSAP Frequently Asked Questions

How Is My OSAP Funding Calculated?

The amount of funding you receive from OSAP is calculated using the following formula:

Allowable Educational Costs - Expected Contribution = OSAP funding

  • Allowable educational costs include tuition fees, books, personal and living allowances
  • Expected contributions are based on your income, some assets and in certain situations your family's income
Is My Family Expected To Contribute?

OSAP funding is based on your parents' income, unless one of the following applies to you:

  • You have not been a full-time student at a high school or post secondary institution for at least 12 months in a row on 2 or more occasions (without providing your parents' income, you would only be entitled to a Canada Student Loan which is 60% of OSAP funding);
  • You have been out of high school for at least 4 years;
  • You have dependent children living with you;
  • You are separated, divorced or widowed;
  • You are married (your spouse's income, vehicles, bank balance, GIC's, Mutual Funds and RRSP's are used in calculating the amount of OSAP you receive).
How Much Osap Assistance Is Available?

60% of OSAP funding comes from Federal Government loans and grants (if applicable) and 40% comes from provincial loans and grants (if applicable). Your funding is released in two installments. For Fall start programs the first installment is released in the fall term and second installment during the winter term. If you are in a one term program, your funding is also released in two installments, with 60% of your funding being released immediately and the remaining balance released after your first installment has been confirmed.

What Happens If I Apply After My Classes Begin?

You may apply for OSAP up to 60 calendar days prior to the end of your study period. Once you have applied, any supporting documentation that you are required to provide as part of your application must be submitted and processed no less than 40 days prior to the end of your study period.

What Happens after I have submitted my application?

After you have submitted your application, you will be able to print your Signature and Declaration pages (student, parents, spouse) and your Master Student Financial Aid Agreement form (MSFAA). Your Signature and Declaration pages are to be completed by the appropriate individuals and submitted to the Financial Aid Office.

The MSFAA is to be completed by you and taken in-person to a designated postal outlet for processing. You are required to provide Proof of SIN and government issued photo-id when you submit your MSFAA.

You may have other supporting documents that need to be provided to complete your OSAP application. To determine what is required, login to your OSAP application using your OSAP Access Number (OAN) and your password, and navigate to your OSAP status page. Your OSAP funds will not be released until supporting documents have been received and processed.

DO NOT send your signature sheets and supporting documentation to the Student Support Branch in Thunder Bay.

What If I Can't Remember My OSAP Pin Number Or I Have Been Denied Access To My On-Line Information?

You may go to the Financial Aid Office of any Community College or University in Ontario to access your OAN and reset your password. You must provide Proof of SIN and government issued ID to do so. If your OSAP access has been disabled, you will have to wait for 24 hours until your access is restored.

How Do I Get My OSAP?

Approximately 15 calendar days prior to the beginning of classes, we will begin the process of approving the release of OSAP funding for students. OSAP applications that are complete and approved for funding will be eligible for processing and deposit of funds. Fleming College will confirm with the ministry, the enrolment of eligible students. The Ministry in turn will transfer approved OSAP funds direct deposit to individual student bank accounts based on the information provided in the Master Student Financial Aid Agreement (MSFAA). The earliest that funds could be deposited to your bank account is the first day of classes.

I have received my OSAP funding assessment but I don't think the amount is sufficient. What are my next steps?

This is a good opportunity to connect with your Financial Aid Advisor. We will review your application to see what options are available to you. In some cases, your application may not be correct and has resulted in a lower assessment in other cases there may be an appeal that can be initiated that may generate additional funding for you. In the absence of additional OSAP funding, we can also provide direction with respect to other sources of funding - for example - bursaries and scholarships, bank loans or lines of credit.

I have concerns with the manner in which my OSAP file has been handled. What are my options?

For students attending programs at Sutherland, Haliburton or Cobourg campuse(s), your first point of contact is your Financial Aid Advisor. If after meeting with your Advisor you still have concerns you may contact Linda Reeds, Financial Aid Officer. If your issue is still not resolved, you may contact Kim van Bruinessen Associate Registrar - Financial Aid, Systems, Corporate Cashier Services for final resolution.

At Frost Campus your first point of contact is your Financial Aid Advisor. If after meeting with your Financial Aid Advisor, you still have concerns, you may contact Kim van Bruinessen Associate Registrar - Financial Aid, Systems, Corporate Cashier Services, for final resolution.

Information is also available on the OSAP website

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Fleming College
599 Brealey Drive K9J 7B1 Peterborough, Ontario,
(705) 749-5530