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Archive for the ‘OSAP’


(non)answers all around

Will OSAP punish me if I explain to them the desire to go to grad school and require funding for a fifth year but instead of taking those pre-grad school courses I use the funding to complete another minor? One of the financial advisors told me OSAP doesn’t look back but another advisor frowned upon my idea.



unfortunately, i have no effin’ clue.

britney spears idk GIF

it really sucks that you’re getting conflicting information, and now i’m being no help. sorry ’bout that!

i suggest that you get in contact with enrollment services, since they’re the financial aid experts on campus. they should be able to give you a more definitive answer.

i hope this (non) answer helps! good luck!




we’re all confused together

if I pay my minimum fee myself because osap hasn’t processed yet, will they reimburse me? hasn’t osap policy changed so it goes directly to the school? I can manage to scrounge up enough to pay the minimum fee but I’m scared they wont reimburse me



first, let me apologize for how late this response is. i’m not sure if this will still be relevant to you since the minimum fee deadline has passed, but i’ll answer anyways for future reference.

you’re right; OSAP will now go to u of t directly and be applied to whatever outstanding fees that you have for that specific term. whatever is left over after it’s paid u of t will be sent to the bank account that OSAP has on file. so, you should be reimbursed if you paid your fall fees out of pocket.

according to enrollment services’ OSAP FAQ page, they will only “use the account balance for fall 2018 to calculate the amount of OSAP to send to u of t in september.” if you’ve “already paid your fall tuition and fees before your OSAP is received, your OSAP would not be redirected” to u of t. the info is pretty hard to find and their wording is really really confusing, so i don’t blame any confusion you may have. to be honest, it took me multiple read-throughs to get what they were saying. (to the tune of that high school musical song: we’re all confused together!)

high school musical sixteen sixteen sixteen days of hig GIF

if you have any other OSAP related questions or if you’re still confused about what i laid out above, you should get in contact with enrollment services. 

i hope this helps, and sorry again for the delay!




yikes, fam

I haven’t been able to deffer my fee because I still have to deal with osap stuff so how long do I have.. are they gonna kick me out for not deferring the fee slash paying the minimum amount?



yikes, fam. it’s getting a little late in the game to have not paid/ deferred your fees.

though the deadline to pay or defer was august 29th, there is a 10 day grace period before you will be deregistered (meaning you will be “financially cancelled” and removed from your classes). this means that while you are a little late, not all hope is lost.

there are basically two options:

1. make a payment.

you can make a payment ASAP and present proof of payment (bank receipt, screenshot of the confirmation page that comes up when you use online banking, etc) to your registrar’s office. once you show them proof of payment, they should be able to manually register you (meaning your status on acorn will go from “invited” to “registered”).

2. defer your fees.

if your OSAP application has been processed, you can show proof that you will be receiving OSAP to your registrar’s office (this usually means showing them a screenshot of your OSAP dashboard and funding estimate). they can manually defer your fees and register you there.

if you don’t do this in time, you’ll have to visit your registrar’s office to be re-registered, pay a fee, and be put back into classes. the scary thing is that there’s no guarantee that you’ll be able to be in all the classes you were in before if you lose your place.

panic omg GIF

to avoid that, pay or defer ASAP!!!!!

hope this helps!




long time reader and asker

Hi Aska!

So last year, I came to you with a huge conundrum about life, about quitting school, and other sad stuff like that. But now I am back from my well needed year off and am ready to take on the new school year! Except for the fact that I feel like I have completely lost all my smarticle-particle brain cells and am starting on a blank slate. Not so good.

I left all my school related issues behind on my year off because I’d get these really bad anxiety and panic attacks from overthinking about my problems. Bad idea though. Because now I’m starting to feel a little panicky again because I pushed everything to the side and am completely lost.

I have to write a letter for my OSAP Academic Probation since I dropped so many courses last year that OSAP started wondering where the heck their money went. They were mostly LWDs and so I couldn’t get a refund for the class. My registrar told me that it would be fine and nothing would happen BUT YA I GOT PLACED ON OSAP PROBATION SO SOMETHING DID HAPPEN BUT NOW I GOTTA FIX IT AND I NEED HELP. HELP.

sorry, just freaked out there. i was in a really tough spot last year and was too stupid to not figure it out. so yeah.

I also can’t find the notice they sent me through the mail so this is mostly based on my horrible memory. i swear, im like a grandparent.

anyway, my first question(s) is/are: who do i send this ding-dang letter to? financial aid office or something? what’s their address? do i send one to some osap office as well? also, will it be ok for me to apply for osap during this time?

ok second set of questions are related to a course i really wanna take this upcoming school year. funny story though, i put it on my enrollment cart and was super excited to figure out how to get to my classes and the time of travel it takes to get there. i looked it up on my handy-dandy physical map, and the BUILDING CODE DOES NOT EXIST AT ST. GEORGE. searched it up. found out its at UTM. great.

will I still be allowed to take the course even though im registered at st. george? also, if i am allowed, how will i manage to get back and forth from each campus? apparently there’s a shuttle but where is it located? how much is the fare?

Anyway Aska, thanks for listening and helping. i don’t know what it is–maybe it’s your casual way of answering questions or replying to each student, but i always feel a little better hearing back from you. and you make us all laugh. thanks again and sorry for the freak outs.

hope to hear from you soon!


hi friend!

so, i just went back and reread the answer that the past aska give you (there’s been an aska turnover since then!).  i’m sorry that you’re going through a bit of a rough time right now, especially since the year off was much needed. hopefully my response helps.

since you’ve asked two sorta separate questions, i’ll answer in two sorta separate parts.

  1. osap probation

so i’m assuming that the “letter” that you need to write for osap is this one? on it, it says to return it to enrollment services. you should also direct any questions you have about osap or financial aid to enrollment services. you can find their contact info here. unfortunately, i don’t know too much about osap (they’re notoriously confusing) so i think your best bet is getting in contact with enrollment services who have all the osap knowledge.

2. taking courses at utm as a st. george student

yes, this is allowed! these courses will count towards your 20 FCE needed to graduate and can count towards your program requirements.

just keep in mind that, even though the course is being held at a different campus and faculty, you are still subject to st. george’s faculty of arts and sciences’ deadlines. so, for example, if you wanted to drop the course without academic offence, you’d have to do it before the st. george deadline, not the utm deadline. check out this link for the faculty of arts and sciences’ deadlines and this link for utm’s.

also, if you want to use the utm course towards your program(s), you’ll want to make sure that the utm course actually has a relevant equivalent course at st. george (as in, the credit will transfer over and you can actually use it towards your program). you can do this through the transfer explorer. 

as for the utm shuttle, it departs from hart house everyday in 20 minute intervals according to the past winter semester’s schedule. i can’t imagine the schedule changing too drastically in the fall, but look up the new schedule come fall to make sure. also note that it costs $6 each way for non-utm students (like yourself). i know tons of people who have taken the utm shuttle (either for classes or because their families live in mississauga and it’s lowkey cheaper than the ttc + whatever transit system they have in the ‘saug) and they’ve said that it’s a pretty great system, but can be slow during rush hour. the shuttle bus is probably your best bet for getting to and from utm.

i’m really glad that taking a year off was productive and healthy for you, and i hope that the rough patch you’re going through right now passes. just know that if you ever need help, all you need to do is ask for it, which is the hardest part. and you’ve already done that!

i highly suggest getting in contact with someone from your registrar’s office to discuss anything related to your academics, especially since you took a year off and are on osap probation. they’re super duper helpful and understanding. i would also suggest looking into the academic success centre, they’re a criminally underused service at u of t. you can book an appointment with a learning strategist (who does exactly what it sounds like, strategize how you can learn better) or attend workshops on academic success. getting some help and learning how you learn and can be more successful academically should (i hope) give you confidence when you come back to school. they’re awesome, check them out.

good luck! you’re gonna kill it.

model good luck GIF




the limit? i guess it exists

Since OSAP is only for completing degree, if all my degree requirement s are met I.e eligible to graduate can I still get OSAP? Do I have to submit forms explaining why I need an extra year OSAP? I wish to stay one more year in university but I also need the $.



unfortunately, i don’t know a whole lot about OSAP and the OSAP website doesn’t seem to have any information on your particular circumstance.

i suggest that you get in touch with enrollment services, they’re the OSAP experts on campus.

sorry that i don’t have more information/ can’t answer your question. you’ve managed to reach the limit of aska’s otherwise limitless expertise.

cady heron math GIF

nonetheless, i hope this helps!




uh oh osap!

If I earn $1000 to $1200 each month how will that affect my osap? Right now I’m eligible for free tuition.



unfortunately, this is a question outside of aska’s (in)finite wisdom. OSAP is a scary, scary beast and no one is quite sure how it works. i suggest that you talk to the people at enrollment services, who are the OSAP experts on campus. they would be able to most accurately estimate how much OSAP you could get as well as answer any other questions you may have.

George Michael george michael outside blow kiss blowing a kiss GIF

i hope this helps!





Hello again! It’s me the 5th to 6th student (you replied to me using a Gosling Gif!)

So I’m a little worried about OSAP now. Thanks for clarifying that I can do a 6th year. I was put on OSAP probation bc of my performance in 4th yr and it seems I’m getting to my goal of getting off the probation this year.

I’m just wondering if i would be put on OSAP probation again because of the line in the new OSAP Academic Progress Form:

“You can be placed on OSAP probation if you drop below the required course load, or if you do not pass a  sufficient number of credits. Multiple program switches, course drops, withdrawals, multiple repeats of
a program and/or taking multiple programs may also be considered as unsatisfactory academic progress”

I’m confused because if I did a 6th year (Undergrad) would that be considered “multiple repeats of a program”?  I thought by fulling the full course load this year would take me off probation but now I’m just confused and scared I’ll lose OSAP eligibility for that 6th yr. It feels like taking a step forward and 3 steps back.


PS. Wow I’m jealous they made the new forms for this year so much easier. When I had to send my letter in I had to get a counselor to sign it and everything.



yes! i remember you! thanks for writing again!

your question was a little loaded so we had to reach out to someone from enrolment services!

this is what they said: (i’m going to copy and paste it word for word so i don’t mess up the meaning)

“OSAP generally allows one extra year of funding to complete your degree.  For Undergraduate students that means 5 years in total.  As long as the student hasn’t used up the maximum number of weeks of funding or interest free status: 340 weeks.  This rule doesn’t apply to students with a documented permanent disability.”

more importantly, we encourage you to talk to a financial counsellor at your college or go to enrolment services to get more information on your unique situation.

in terms of getting off of probation: your academic progress will be monitored carefully so make sure you pass your courses and meet the academic requirements of your program. again, all the information available on OSAP academic probation is attached with the note: talk to enrolment services! everyone’s situation is unique, so it’s really best if they sit down with you so they have access to your information.

hope this helped!

peace and love,




gimme the dough

Dear aska,

I am a future U of T student. I am writing you because I am quite confused with student loans. Indeed, I am a Canadian citizen from Ontario (so eligible for OSAP) but haven’t lived in Canada for a long time. As result, I am not eligible for the NSLSC. Needing still to borrow some money, would you happen to recommend me any private student loan or any national loaning system that would apply to me?
Since I am writing you and understood you’re a bit bored of money-related questions: I wanted to know if a boxing club existed on campus, and if yes whether or not as an Innis student I would be able to joint it.

Thanks in advance, keep up the good work,

an ecstatic, penniless and boxing passionate future U of T Student.



so regarding your question, i spoke to a financial counsellor and she said that you should definitely double check with enrolment services to confirm your eligibility for the national loan. technically, if you are a canadian citizen, you’re eligible, but perhaps there is more to your situation that makes you ineligible. regardless, it doesn’t hurt to double check.

that being said, there are definitely options outside of student loans which can help with funding your education! a good place to start doing research is the financial aid page on the utoronto website.

throughout the duration of your undergrad, you’ll come across scholarships from your college and the university that you can to apply for. these scholarships will vary in terms of what they look for, (e.g. academic merit, leadership, area of study, etc.) and there is a helpful tool right here that you can use to look at all the awards that are available to you.

if you are eligible for OSAP, you will be automatically considered for UTAPS (University of Toronto Advance Planning for Students), which is a fund which covers the extra costs of university that OSAP do not cover.

another option is to get a line of credit, which allows you to borrow money from a financial institution with interest payments each month. if you need to talk to someone to discuss your financial situation or financial aid options, you can find the contact info for the financial counsellor at your college right here!

paying tuition is, no doubt, a huge burden, but hopefully these options will help you out a bit.

also, after publishing your question, i realized i forgot to answer your question about boxing at U of T. it doesn’t look like U of T has boxing as part of their sport and recreation programs, but i do know that there is a boxing club at U of T that you can check out. their facebook group will have more information! it doesn’t seem to be college-specific, so i’m sure you’ll be able to join!

peace, love and dolladollabillz,



a grant is granted


So. This is my first year back after about 10 years, so I’m a little rusty. I took 1.5 credits this summer, and have just dropped a half-credit (0.5) course.
Last week, before I dropped said course, I received a top-up from UTAPs, and was fully intending to continue on in the course, but life happens and an advisor told me I should LWD from it rather than risk failing (which was highly probable). So as of now:
1. Will I be on academic probation with OSAP (first time offender),
2. will I have to pay back the extra top up provided the university? I haven’t spent it all but definitely paid some rent and bought groceries and ttc etc.
Much appreciated!


hey there B,

1. since you need to be in/pass at least 1.5 FCEs to be making “sufficient academic progress” in the summer, then yes, you will likely be put on OSAP probation at the end of the summer term. if that happens, you’ll need to write a letter to OSAP explaining what happened and how you’ll make sure that it won’t happen again in future. if you want help with that, you should definitely contact enrolment services. i mean, you definitely don’t want my help with it. as soon as i can’t link to stupid GIFs in a written medium, i’m at a loss. stick with enrolment services, for sure.

2. UTAPs is a grant, so you shouldn’t have to repay it to the university after you receive it. the only instance in which this might happen would be if you dropped all your courses before you got an instalment. from what i understand, that’s not what happened in your case, so you should be a-ok.

feel free to follow up with your registrar’s office and/or enrolment services with all this, so they can guide you through this process.




OSAP, we need some time apart

I’ve done very poorly this school year and I’m a first year student. My academic standing was not accessed because I attempted less than 4.0 credits. I received a letter from the national student loans service center telling me I have to repay my loans already, thing is I know I’ve done really bad. I want to resume school and avoid probation/suspension; but I have to pay my loans first before enrolling. Can I take time off of school and repay my loans first, and then return to school where they access my academic standing. Or is it not possible to take time off, or else it affects my GPA further?


hey there,

so, what i’m guessing happened is that you weren’t able to complete any credits this year. the NSLSC treated that as if you had been away from school for a year, and is now saying that you need to repay the loans, because according to them, you’ve been “out of school.”

if that is the case, i would speak with a financial advisor at utm to see what you can do about the situation. it may be possible to communicate to the NSLSC that you want to continue in school next year, and explain what your plans are to improve your academic standing. in that case, you could come back to school on OSAP, and not be required to start paying it back immediately. but speak with the advisor to be sure, because they are experts in this stuff, where aska is what you might call an amateur advisor.

what i’m saying is coming back to school on OSAP may not be possible in your case, so speak with the experts to find out the best next steps.

if you do indeed need to take time off to repay your loan before continuing at school, that’s a-okay. you are free to take as much time off school as you need to; all you have to do is not sign up for courses! it won’t affect your GPA. your academic record will stay the same until you return. GPA’s don’t have a half-life; they don’t deteriorate while you’re away from school.

whatever happens with your OSAP repayment, taking time off may even be a good choice, academically. time off from school gives you – well, time – to reflect on whether uoft is the best path for you, what your goals are, and, if you’d like to return, what changes you can make to ensure that you’re successful. sometimes time is the best decision-maker. if the time comes when you feel ready to come back, re-registration is a very simple process.

good luck!



don’t gamble with OSAP, man

Man when is the fee deferral period this year?



the last date to defer your minimum payment to register using OSAP or another government loan is August 23rd, 2016 for the upcoming Fall/Winter session. the earliest you can do a deferral should be whenever you’re a) invited on ROSI/ACORN b) your OSAP assessment has come through and c) your account invoice for 2016-2017 is up.

so if you haven’t already finished your OSAP/loan application, do it now so you’ll be all ready to go for August 23rd. the later you wait, the more you’re taking a gamble on whether it will be processed in time for the deferral deadline. and OSAP is pretty much, like, the worst online gambling experience you could have.

seeing as you’re asking this question in June though, you seem pretty on top of it. i respect that.




the CLN scares you? wait ’til you get on campus

hiya,love this blog i got a couple questionsfyi-> incoming full time- first year- engineering- unsettled 1) what counts as honors standing in the engineering faculty for undergrads? they said someone is accepted to transfer to any engineering program even engsci after first year if they finish both first year semesters with honors but it doesn’t say  what gpa that would be or what else is considered…2)…should i be studying during summer as in is it expected or recommended by whoevers recommendations i’m supposed to listen to? 3) when i check my osap application status for full time studies it says i still need to provide documents for both the parent declaration and the student declaration. i printed them myself and uploaded them and i thought that was good enough because its says upload them or submit to your financial aid office. in one column beside the name of the documents  it says received on one side yet there’s a big red X on the other side. for the MSFAA that i mailed in its a green check and it says done instead of recieved. i uploaded them june 1st am i risking getting funding in time by not handing my declarations in to financial aid on top of uploading?! 4)what happens if a dont have enough money, i read a post about UTAPS helping but i missed that feb deadline by a mile 5)work-study only lets you work 12 hours, can i have 2 work-study jobs? or should i just get a part time job without restrictions is is even possible for first years to get work-study in labs or libraries, CLN scares me 6) i will be commuting 4 hours total, i wanted to save the rent money (rent debt tbh since osap would bankroll me) is this doable do commuters grades suffer? like is it too much to sleep in a library then boot and rally to shower at a gym and keep things in a rented locker for lectures sometimes


hey there,

1) i don’t know what you mean by honours standing. as far as i can see, the minimum university GPA to be considered as a transfer applicant to engineering would be a B (which at 5 uoft would be a 3.0). so i guess that’s the answer!

2) i mean, if you feel really insecure about a certain subject or something, it could certainly never hurt to study extra (not to mention how admirable it would be). if you want my personal thoughts, though? i would spend the summer before university travelling if you can, spending time with family, relaxing, and maybe earning a bit of money to help put you through university. you have four years of studying ahead of you. may as well enjoy the time off while you can.

3) that all sounds fine to me? and if you submitted by june 1st you should be assessed in time. however, if anything looks weird or out of place to you, the place to call would be enrolment services. maybe you have to submit the signature forms to enrolment services as well as uploading them, or something. also, some portions of the application are completed by the school, rather than by you, so perhaps those things are showing as unfinished and it’s throwing you off. regardless, enrolment services will be able to walk you through it and sort things out.

4) if you’re an Ontario student getting OSAP, you will be automatically assessed for UTAPS. the February deadline is only for out-of-province students.

5) you can only work one work-study job at a time, and to be honest, that’s probably a good thing. 24 hours a week is bordering on excessive for a full-time student, ESPECIALLY a first-year student. that’s just my two cents, though. if you’re determined to work two jobs or need to for financial reasons, you can. you can get a work-study and a non-work-study job, or even get your second job off-campus.

as for how difficult it is to get a job: i’m not gonna lie, lots of lab/research opportunities go to upper-year students with more specialized knowledge. on the flip-side, there are a TON of work-study jobs that go up for September. whatever it is that scares you about the CLN, you gotta get over it, because it’s a treasure trove of opportunity.* try and think of the job listings as a fun adventure (and i know this is hard when you’re strapped for cash, but it is the only way to get through the horror of a job search in my experience; otherwise, you’ll checkout mentally and not be as alert in the hunt). there are lots of opportunities here, and maybe even a couple that are perfect for you.

6) commuting is rough. i commuted for my second year only, and my total commute was three hours long. it was not fun. i felt exhausted at the end of every day. however, having now finished my degree, i’ve looked back  and realized that my highest annual GPA happened in my second year, the only year i had that brutal commute.

how did this happen? well, it’s certainly not because the people snoring softly in the quiet zone of the GO train inspired me academically. it’s because commuting forces you to be really smart about how you spend your time. a large part of that is time management, i.e. studying in the library between classes, setting up a weekly study schedule that you make sure to stick to, etc., BUT it also forces you not to overburden yourself. when you live close to or on campus, you can sometimes convince yourself that you can do everything, because it’s all so close by!

by contrast, knowing that your commute takes up time/energy forces you to be realistic about how much you can do outside of school. in second year, my participation was meaningful, but modest. i was part of a few clubs, each of which only required a couple hours a week of my time, i had a work-study, and that was it. and i did really well in school! fancy that.

by sharing my experience, i don’t mean to imply that yours will be exactly the same. everyone has a different experience at university, especially one as big as uoft. i just want you to know: it’s possible. if you’re smart and organized about it, you can do it.

finally: you may want to check out these tags if you’re already thinking about sleeping in libraries; there’s a lot of info there about the best places to study, rent lockers, cry without being noticed (hopefully you won’t need that one), nap, etc.



*i know that this makes me sound like a greasy capitalist. i’m sorry. i feel slimy.


i need my O$AP fund$

Hi there

I am a student at UofT in two summer courses. I deferred my fees in order to receive OSAP, which I did. Currently, I still have a balance on my account. I plan to apply for a late withdrawal for one course. Does that mean the balance on my account will decrease, since it is a pay per course system? I realize that I passed the date where I could drop a course without penalty. What does this do in terms of balance? I am told I need to notify OSAP if I drop a course. I am a student with a disability, and dropping a course means Ill only be enrolled in 0.5 courses this semester. Will this put me on OSAP probation if I do LWD?? I have no idea what to do. What happens in terms of OSAP if I drop from 1.0 courses to 0.5 course (and I am on disability) in a LWD – and I still have a balance due on my Rosi account??

Thank you!!


hey there.

since you’re now in LWD territory, i’m going to assume this is an ‘F’ course you’re talking about. if that’s the case, then unfortunately we have passed the last date when you could’ve received a refund for the course. that means that when/if you LWD from it, your balance will stay the same.

if you are dropping to 0.5 credits and you are on full-time OSAP, then yes, you would likely be put on OSAP probation, since the full-time course load for students with a registered disability is 1.0 credit.

if this is your first time being put on OSAP probation (and i’m assuming it is, otherwise you would already know how this game is played), there will likely not be a financial penalty at this point. that is, you would still receive the money you’ve been assessed for in order to pay off your outstanding balance – and rent, and food, and a new bottle of shampoo, finally, after trying to wash your hair with soap for a week and a half (or is that just me?).

full house piggy bank

no OSAP money can sometimes result in desperate measures

all you would have to do is write a letter explaining why you dropped from full-time.

that being said, there are many, many things that can affect your interaction with OSAP. please do not assume that your situation is standard. instead, double-check with enrolment services to see exactly how you should proceed after dropping down. they would be able to help you.



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