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OSAP stands for the Ontario Student Assistance Program.  It is a loan program that helps students from lower-income families access funding that will allow them to attend post-secondary education.  For many students, this is a crucial part of their financial plan.  It is important for students applying for OSAP to know that it is a loan, and will require repayment upon completion of their post-secondary program.  OSAP differs from a bank loan in that the program does not charge interest on the loan while you are enrolled in school.  It is only after graduation that your loan begins to accumulate interest.



If you are interested in getting an estimate of how much you might be eligible to receive from OSAP, try out the OSAP Aid Estimator.


Repaying your OSAP

When you complete your academic program, you will need to begin repaying your student loan.  Interest will start accruing after six months.  To get an overview of the process of repaying your student loans when you complete school, watch this video from the Government of Ontario on "Repaying your OSAP":


Other sources

Thomson students are highly encouraged to apply for as many scholarships and bursaries as they can, as these represent "free" money that does not need to be repaid.  There are a number of scholarships and awards programs listed on our scholarships page.

The best source of information on awards and bursaries is the Financial Aid Office at your chosen post-secondary institution.  For your convenience, the websites for these offices at some of the universities and colleges who frequently visit Thomson are listed below:



University of Toronto

York University

Ryerson University

University of Ontario Institute of Technology 

Trent University 

George Brown College
416-415-5000 ext. 2476

Centennial College
416-289-5000 ext. 2457

Seneca College
416-491-5050 ext. 22480

Humber Financial Aid

Durham College Financial Aid
905-721-2000 ext. 4010


It is important to note that your high school guidance counsellor is not properly trained to assist you with the process of applying for OSAP.  Each university and college financial aid office is staffed with someone who is specifically trained to guide you through the application process.  Getting the right help, from the right people, is essential to ensuring that you get the maximum level of OSAP you are entitled to.

For more detailed information on applying for OSAP, please visit the Government of Ontario's Website.

Last Updated on Tuesday, 02 December 2014 15:00
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