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Financial Aid


Information For New Students

Once you've made the decision to attend Fleming College, you will need to plan for the financial resources to be successful. You are making a valuable investment in your future. The Financial Aid Office is here to help by providing you with financial options.

Get important financial aid information for new students

Know how much money you will need for college

To help you plan, use our budget calculator to estimate your expenses and income. Knowing how much money you will need for college and learning how to manage your money is key to your success as a college student.

Open the Budget Calculator

Scholarships and Bursaries

We have approximately $2 million available annually for student bursaries and scholarships. Registered students with an active timetable are eligible to apply for all bursaries that are administered by the college though a single on-line bursary application.

Go to the Scholarships and Bursaries page

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?

OSAP funding comes from 60% Federal Government loans and grants (if applicable) and 40% comes from provincial loans and grants (if applicable). Your funding is released in two instalments. For Fall start programs the first instalment is released in the fall term and second instalment during the winter term. If you are in a one term program, your funding is also released in two instalments, with 60% of your funding being released immediately and the remaining balance released after your first instalment 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 OSAP application, your Required Documents page will display. Signature and Declaration pages are to be completed by the appropriate individuals and uploaded through your OSAP application.

If you need to submit additional supporting documentation it will be listed as well.

Your Required Documents page will also display the following information:

  • Your 10 digit MSFAA number
  • Date when you can expect an e-mail from the NSLSC with URL address of the website where you'll complete the MSFAA online
  • Instructions on how to complete the online process

You will be required to complete a Master Student Financial Aid Agreement (MSFAA). The MSFAA is a legal agreement between you and the federal and Ontario governments. It outlines your responsibilities and the terms and conditions of accepting and repaying student loans. There is a 2 step process to complete your MSFAA.

  1. Register online with the National Student Loans Service Centre (NSLSC) using your 10 digit MSFAA number
  2. Complete the MSFAA and accept the terms and conditions

The NSLSC will send you a Welcome E-mail when it's time for you to register for your online account and complete your MSFAA on-line. This e-mail will be triggered once the NSLSC receives notice from OSAP that you’ve submitted an application. The e-mail will be identified as:

From: infor@msfaa-emafe.cibletudes-canlearn.ca
Subject: Register now to set up your online

Your OSAP funds will not be released until supporting documents have been received and processed.

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. 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, your first point of contact is your Financial Aid Advisor. If after meeting with your Advisor you still have concerns you may contact Financial Aid Officers Rachel Talmadge (Sutherland and Haliburton campuses) or Amy D'Silva (Frost Campus).


What updates has the Federal Government implemented to assist students?

Changes were made to the Canada Student Loans Program (CSLP) to allow more students to qualify for support and be eligible for greater amounts.

The changes include:

  • doubling the Canada Student Grants for all eligible full-time students to up to $6,000 and up to $3,600 for part-time students in 2020-21. The Canada Student Grants for Students with Permanent Disabilities and Students with Dependents would also be doubled.
  • broadening eligibility for student financial assistance by removing the expected student’s and spouse’s contributions in 2020-21.
  • raising the maximum weekly amount that can be provided to a student in 2020-21 from $210 to $350.

Information is also available on the OSAP website

Financial Aid Contacts:


(705) 749-5530 ext. 1616

Claudia Byers
Sutherland Campus (Peterborough)

(705) 749-5530 ext. 1166

Debbie McEachern
Sutherland Campus (Peterborough)

(705) 749-5530 ext. 1669

Alannah Kennedy
Sutherland Campus (Peterborough)

(705) 749-5530 ext. 1176

Amy D’Silva
Frost Campus (Lindsay)

(705) 749-5530 ext. 3302

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