OSAP is a government financial aid program created to help Ontario students pay for their post-secondary education. It offers:

• Grants: Money you don’t have to pay back. These are provided based on financial need, and various factors, including family income, affect your eligibility.
• Loans: Money that must be repaid after your studies. OSAP loans are interest-free while you are studying full-time, and you only start repaying six months after graduation or leaving school.
• Bursaries: Sometimes offered alongside grants, bursaries are additional funds you don’t need to repay, usually specific to particular needs like child care or disability services.