Financial Aid
Ontario Student Assistance Program (OSAP)
OSAP helps eligible students pay for their education. Learn how to apply, pay your tuition, keep your funding, and manage repayment — all in one place.
Your OSAP Journey
OSAP Changes for 2026–2027
Ontario has changed how OSAP funding is delivered starting in the 2026–2027 school year. For students at private career colleges, funding is now expected to come mainly as repayable loans rather than grants. Please speak with our Financial Aid team to understand what you may be eligible for before you enrol.
What Is OSAP?
Financial Help for Your Education
OSAP is a government financial aid program that helps Ontario students pay for post-secondary education — including tuition, living expenses, and other educational costs.
Grants
Money you don’t have to pay back, based on financial need and factors such as family income. Availability depends on your program and school.
Loans
Money you repay after your studies. Loans are interest-free while you study full-time, and repayment begins six months after you finish school.
Bursaries
Additional non-repayable funds for specific needs, such as child care or disability services.
How to Apply
Applying for OSAP in 4 Steps
Create Your OSAP Account
Register online with your Social Insurance Number and save your OSAP access number and password.
Complete Your Application
Enter your school and program details, your income information, and (if applicable) your parents’ or spouse’s details.
Upload Your Documents
Submit any required documents, such as signature pages or proof of income.
Get Your Assessment
OSAP reviews your application and lets you know how much funding you’re eligible for.
When to Apply
Applications for the next school year usually open in the spring. Apply early — at least several weeks before your program starts — so your funding is ready when classes begin.
OSAP Resources
Everything You Need to Know
Step-by-step guides for every stage — from applying to repayment.
Applying for OSAP
- What Is OSAP
- Who Is Eligible for OSAP
- When to Apply
- How to Apply
- What If I Am Not Eligible?
Paying Your Tuition with OSAP
Maintaining Your OSAP
Managing Your OSAP Funding
Glossary & Common Terms
Not Sure Where to Start?
Our Financial Aid team can walk you through your OSAP application and your other funding options.
Contact Us
Questions About Your OSAP Application?
Our team is here to help you understand OSAP and your other financial aid options, including Better Jobs Ontario, CTC, and flexible payment plans.
Ask Our Financial Aid Team
FAQs
Frequently Asked Questions
Is Elite College OSAP approved?
Yes. Elite College is OSAP approved. Eligibility and the amount of funding depend on your program and personal circumstances.
What does OSAP include?
OSAP can include loans, grants, and bursaries. For students at private career colleges, funding from 2026–2027 is expected to come mainly as repayable loans.
How do I apply?
Apply online through the OSAP website. Create an account, complete your application, upload any required documents, and wait for your assessment.
When should I apply?
Applications for the next school year usually open in the spring. Apply early so your funding is ready when your program starts.
When do I start repaying my loan?
Loans are interest-free while you are a full-time student, and repayment begins six months after you finish your studies.
What if I’m not eligible for OSAP?
You may still have options such as Better Jobs Ontario, CTC, or flexible payment plans. See What If I Am Not Eligible? or contact our Financial Aid team.
Where can I find official OSAP information?
Visit ontario.ca/osap for the latest official rules and deadlines.
Ready to Begin Your Journey?
Our Admissions team is here to support you and ensure that your academic and career goals become a reality. Contact us today and take the first step towards a brighter future!