Applying for OSAP
OSAP Overview
OSAP is available to eligible students in the form of an integrated student loan funded by the Province of Ontario and Government of Canada. These loans are interest-free until graduation or until you cease full-time studies; repayment begins six months later. OSAP's objective is to help students meet the costs of post-secondary education, including tuition, books, supplies and basic living expenses. OSAP is not intended to supply all the funding to meet these costs. Its purpose is to supplement, not to replace, the financial resources that you (and your family) are expected to contribute.
OSAP Deadlines Creating and Accessing your Account Full-Time Application Process
Summer Application Process Part-Time Application Process
Creating an Account (First Time OSAP Applicants Only)
First time applicants will need to create an OSAP account, a personal profile and be assigned an Ontario Access Number (OAN).
- Visit the OSAP website and select Register
- You will need your Social Insurance Number (SIN) to create your OSAP account.
When creating your OSAP account, you will also be directed to setup your password retrieval (i.e. email and security questions). Keep your OAN in a secure place as you will need it each time you log in to the OSAP Website.
Logging into your OSAP Account
If you have previously registered for an OSAP account:
- Visit the OSAP website and click on Log In to access your account.
- You will need your OAN and password to login.
If you have already created your OSAP account but need to retrieve your OAN and/or reset your password, please select Forgot OAN or password on the OSAP portal. If you have not set up password retrieval, please contact Student Financial Services.
Which OSAP Application do I submit?
Students can complete either a full-time application or a part-time application depending on the number of credits they plan to be enrolled in during the semester. Pleas refer to the chart below to see which application should be completed.
Course Credits per Semester | Course Load | OSAP Application to be Submitted |
2.0 Credits or more | 100% | Full-time |
1.5 Credits | 60% | Full-time |
1.0 Credits | 40% | Part-time or Full-time for students with a disability |
0.5 Credits | 20% | Part-time |
Please note: If you are in one of our on-line part-time programs, please consult with a Student Financial Services Advisor to review which application you will need to submit as per your program plan.
OSAP: Full-Time Application
OSAP's full-time application is available for students who take at least 60% of a full-time course load (a minimum of 1.5 academic credits each semester) or 40% of a full-time course load (a minimum of 1.0 academic credits each semester) for students with a permanent, persistent or prolonged disability.
Step 1: Starting your OSAP Application
- Please select "Apply for Full-time OSAP" on your OSAP account.
- Please note: First time applicants will be required to complete a financial literacy module prior to starting their application. For more information, please visit the OSAP website.
- Once you have started an OSAP application for the current academic year, you have the option to complete and submit your application.
- If you have to gather more information to continue the application, you may save the incomplete application and access it at a later date by selecting "Go to my applications".
- All students need to start a new application each academic year (September to August).
- Apply early! We recommend you apply online by June 30 to ensure that you receive your funding for the start of the fall semester.
Step 2: Submitting your OSAP Application
Selecting your School
- When selecting your institution, make sure you select the "University of Guelph- Guelph and Humber Campuses". Enter Toronto as the city and Humber as the campus.
Selecting your Program
- When selecting your program for Fall/Winter, please refer to the chart below. Please ensure you review the study period selection before selecting your program. When searching for your program, use the first word in the program code to locate your program (ex. Community). Please note, if you are submitting a summer application, you will need to enter the word "Summer" to find the program as shown in the chart below.
University of Guelph-Humber Program | OSAP Program Code | Summer OSAP Program Code |
Business | Business Administration (BBA-GH) | Summer - BBA - GH |
Early Childhood Studies | Early Childhood Services (BASC-GH) | Summer BAA/BASC - GH |
Community Social Services | Community Social Serv. (BASC-GH) | Summer BAA/BASC - GH |
Justice Studies | Justice Studies (BASC-GH) | Summer BAA/BASC - GH |
Just & Public Safety | Justice Studies (BAA-GH) | Summer BAA/BASC - GH |
Kinesiology | Kinesiology (BASC-GH) | Summer BAA/BASC - GH |
Media and Communication Studies | Media Studies (BAA-GH) | Summer BAA/BASC - GH |
Psychology | Psychology (BASC-GH) | Summer BAA/BASC - GH |
Selecting your Study Period
- Please ensure you are selecting the appropriate study period date and year of entry. For exact dates for the current academic year, please visit Important Deadlines. If you have any questions, please contact Student Financial Services.
Full-time OSAP | Study Period Dates |
Enrolled Fall semester only (1 term) | September to December |
Enrolled Winter semester only (1 term) | January to April |
Enrolled Fall and Winter semesters (2 terms) | September to April |
Selecting your Course Load
- Depending on the number of credits you are enrolled in, you will be required to complete a full-time or part-time application. Please refer to the chart below for your course load percentages.
Course Credits per Term | Course Load | OSAP funding Available |
2.0 credits or more | 100% | Full-time |
1.5 credits | 60% | Full-time |
1.0 credits | 40% | Full-time for students with a disability with and approved Disability Verification Form for OSAP |
Reporting Scholarships, Awards and Bursaries
- If you received a scholarship, award or bursary (e.g. UGH Renewable Entrance Scholarship, Founder's Academic Merit Scholarship, Diversity Entrance Bursary etc.) from the University of Guelph-Humber, do not report this amount on your OSAP application. The institution will report this to the Ministry on your behalf. You are only required to report any external scholarships, awards or bursaries you may receive.
- If you have incorrectly reported a University of Guelph-Humber scholarship, bursary or award, please complete the OSAP Income Update Form and email the completed form to finaid@guelphhumber.ca to have your OSAP application updated.
Step 3: Complete your MSFAA online and Upload your Declaration and Signature Pages
- Complete your Master Student Financial Assistance Agreement (MSFAA) online on the National Student Loans Service Centre (NSLSC) website through a two step process. You will need your 10-digit MSFAA number which you can find on your OSAP account (first time OSAP applicants only).
- Print and sign your Declaration and Signature pages for yourself, your parent(s), and/or your spouse (if applicable). Upload the completed forms on the OSAP website. Please note, digital signatures are not accepted for parent(s) or spouse.
- Complete and upload any additional supporting documents requested by OSAP under the "Required Documents" section of your application.
As long as there is no break in studies, or changes in your parental or spousal information, your MSFAA and signature pages will remain valid during your entire academic career.
Step 4: Monitor and Follow Through!
- After you submit all of your paperwork, it is important to regularly check your status/communication through your OSAP account. The status will show if you are missing any documentation or are required to submit supplemental documents.
- Once the Ministry has assessed your application, you can see how much funding you will be receiving on the Funding Summary Page.
- Grant Funding Only: When you apply for OSAP, you will automatically be considered for both grants and loans. If you do not want to take the loan, you can decline the loan portion after your application has been assessed/approved on the Funding Summary Page.
- You can ask OSAP to reconsider the amount of your funding in some situations. For more information on Reviews and Exceptional Circumstances, please book a meeting with a Student Financial Services Advisor to review your application.
- If the status shows "Confirmation of Enrollment" required, OSAP is waiting for the school to confirm you are enrolled in school and you have the correct course load.
- The Confirmation of Enrollment process is an automatic process that starts at the beginning of each semester.
Step 5: Pay your Registration Deposit and Register for Courses
- If you are an undergraduate student entering the fall semester, you must pay the Registration Deposit before the deposit deadline.
- Registration for fall semester courses typically begins in early July. You must enroll in at least 1.5 academic credits (at least 1.0 academic credits for students with a permanent, persistent or prolonged disability) to be eligible for full-time OSAP.
Step 6: Pay your Tuition and Fees
- Student Financial Services will electronically confirm to OSAP that you are enrolled as a full-time student.
- Fall Semester: Confirmation of Enrollment begins in early September.
- Winter Semester: Confirmation of Enrollment begins in January.
- Your OSAP finding will be sent directly to the school to pay your tuition, residence and fees as per your assessed funding eligibility.
- It is your responsibility to monitor your student account to ensure that all fees owing are received by the University of Guelph-Humber by the payment deadline date.
- If additional funding remains after your outstanding balance has been paid, the NSLSC will transfer it directly to your bank account.
- Information regarding fee payment, acceptable payment methods, and deadlines is available on the Student Financial Services website.
Changes to your OSAP
It is important to accurately report all income because it can impact your eligibility for additional aid.
- All income, including part-time jobs must be report as per Ministry guidelines. When you apply you will be asked for an estimate of what you will make over your study period.
- Please check award income and make sure that you have not reported any University of Guelph-Humber scholarships or bursaries.
If you need to make any changes to your OSAP account or would like to review your assessment, please consult with the Student Financial Services office. Any changes to your OSAP assessment can be viewed through your OSAP account online as soon as we have processed your request.
OSAP for the Summer Semester
Enrolling Full-time with an Existing Full-time OSAP Application with the University of Guelph-Humber
Students who have received full-time OSAP for the Fall and/or Winter semesters (of the current academic year) and have registered in 1.5 credits of more (1.0 credits or more for students with a disability) for the summer semester should complete an OSAP Summer Extension Form to extend their current OSAP through the summer
The OSAP Summer Extension Form is available online
We must receive this form by the end of March to have your OSAP funding available for the start of summer classes.
Enrolling Full-time without an Existing Full-time OSAP Application with the University of Guelph-Humber
If you did not complete a full-time OSAP application during the fall and/or winter semesters or applied for OSAP at a different institution, you must start a new full-time OSAP if you will be enrolling in 1.5 credits or more (1.0 credits or more for students with a disability) on the OSAP website for the summer semester.
Enrolling Part-time
If you are taking a part-time course load (less than 60%) during the summer , then you may visit the OSAP website and apply using the OSAP part-time application for summer funding.
OSAP: Part-Time Application
Part-time OSAP is available to students who take less than 60% of a full-time course load (less than 1.5 academic credits). Under the Part-time OSAP application, students receive funding for educational costs (tuition, book and local travel) but not living costs. Students with a permanent, persistent or prolonged disability, who are taking 40% of a full-time course load (1.0 academic credits), have the choice to apply for OSAP using either a full or part-time application.
Step 1: Starting your OSAP Application
- Please select "Apply for Part-Time OSAP" in you OSAP account. Please note, incomplete applications can be saved and accessed at a later date by selecting "Go to my applications".
- Please note: First time applicants will be required to complete a financial literacy module prior to starting their application. For more information, please visit the OSAP website.
- All part-time students (1.0 credits or less) need to start a new application each semester.
- Apply early! We recommend you apply online for your part-time OSAP as soon as you complete your registration each semester to ensure your receive your funding in time to meet the tuition and fee deadlines each semester.
Step 2: Submitting your OSAP Application
Selecting your School
- When selecting your institution, make sure you select the "University of Guelph - Guelph and Humber Campuses". Enter Toronto as the city and Humber as the campus.
Enter your Program Information
- You will be asked to enter the program name; the start and end dates for the semester in which you are applying; the percentage of course load, the number of courses in-class and distance education and the level of study. Please note: Part time OSAP applications are completed per semester. For the exact dates for the current academic year, please visit the Important Deadlines webpage. If you have any questions, please contact Student Financial Services.
Part-time OSAP | Study Period Dates |
Fall Semester | September to December |
Winter Semester | January to April |
Summer Semester | May to June; July to August or May to August (depending on registration) |
- Please refer to the chart below for your course load percentage. for more information, please visit OSAP Eligibility.
Course Credits per Term | Course Load | OSAP Funding Available |
1.0 Credits | 40% | Part-time |
0.5 Credits | 20% | Part-time |
Step 3: Complete your MSFAA Online and Upload your Declaration and Signature Pages
- Complete your Master Student Financial Assistance Agreement (MSFAA) online on the National Student Loans Service Centre (NSLSC) website through a two step process. You will need your 10-digit MSFAA number which you can find in you OSAP account (First time OSAP Applicants Only).
- Print and sign your Declaration and Signature pages for yourself and your spouse (if applicable). Upload the completed forms on the OSAP website. Please note, digital signatures are not accepted for your spouse.
- Complete and upload any additional supporting documents requested by OSAP under the "Required Documents" section of your application.
- All documentation must be received before OSAP can determine your eligibility.
Note: As long as there is no break in studies, or changes in your spousal information, your MSFAA and signature pages will remain valid during your entire academic career.
Step 4: Monitor and Follow Through
- After you submit all of your paperwork, it is important to regularly check your status/communication through your OSAP account. The status will show if you are missing any documentation or are required to submit supplemental documents.
- Once the Ministry has assessed your application, you can see how much funding you will be receiving on the Funding Summary Page.
- Grant Funding Only: When you apply for OSAP, you will automatically be considered for both grants and loans. If you do not want to take the load, you can decline the loan portion after your application has been assessed/approved.
- If the status shows "Confirmation of Enrollment" required, OSAP is waiting for the school to confirm you are enrolled in school and you have the correct course load.
- The Confirmation of Enrolment process is an automatic process that starts at the beginning of each semester.
Step 5: Pay your Registration Deposit and Register for Courses
- If you are an undergraduate student entering the fall semester, you must pay the Registration Deposit before the deposit deadline.
- Registration for fall semester courses typically begins in early July. You must enroll 1.0 academic credits or less to be eligible for part-time OSAP.
Step 6: Pay your Tuition and Fees
- Student Financial Services will electronically confirm to OSAP that you are enrolled in the correct course load.
- Fall Semester: Confirmation of Enrollment begins in early September.
- Winter Semester: Confirmation of Enrollment begins in January.
- Your OSAP finding will be sent directly to the school to pay your tuition and fees as per your assessed funding eligibility.
- It is your responsibility to monitor your student account to ensure that all fees owing are received by the University of Guelph-Humber by the payment deadline date.
- If additional funding remains after your outstanding balance has been paid, the NSLSC will transfer it directly to your bank account.
- Information regarding fee payment, acceptable payment methods, and deadlines is available on the Student Financial Services website.