Question 1

How do I apply for OSAP?

Accepted Answer

For free consultations and application support, contact World Study & Education!    In-person consultations: 55 Commerce Valley Dr W #812 Thornhill, ON, L3T 7V9, Canada   Email consultation: info@schoolsonair.org   Phone: +1 647-762-9939Start your studies with financial support today!

Question 2

How will the non-repayable grant ratio change under the new OSAP system starting in Fall 2026? Can you give an example?

Accepted Answer

Here is an example of how the grant (non-repayable) ratio will change under the updated OSAP system starting in Fall 2026.For a family of four with a household income of around $55,000, the estimated total financial aid is approximately $35,000. The expected breakdown of non-repayable grants versus loans is as follows:If studies begin before August 1, 2026:Grants (Non-repayable): Approx. $24,500 ~ $28,000Loans (Repayable): Approx. $7,000 ~ $10,500If studies begin after August 1, 2026:Grants (Non-repayable): Approx. $13,000 ~ $15,500Loans (Repayable): Approx. $19,500 ~ $22,000We encourage you to use the OSAP calculator below to run a simulation based on your personal circumstances.[OSAP Calculator]

Question 3

When will I receive my OSAP funding?

Accepted Answer

Approval usually takes 5–7      business days after applying.
The first payment (60% of      the total amount) is disbursed 2–3 weeks after classes start.
The remaining 40% is      provided midway through your program.

Example: (For a 10-month program with $12,000 tuition and $23,000 in approved grant funding) 
1️) Within 2–3 weeks of starting classes: OSAP sends $21,000 to the college → After tuition is deducted, $13,800 is deposited into your account. 
2️) After 5 months: OSAP sends the remaining $14,000 → After tuition deduction, $9,200 is deposited into your account.

Question 4

Will earning income while studying affect my OSAP eligibility?

Accepted Answer

There are income limits, but moderate earnings do not affect OSAP eligibility:

For programs longer than 40 weeks: Up to $16,800 in earnings is allowed without      impacting OSAP.
For programs shorter than 40 weeks: Up to $11,600 in earnings is allowed.

Question 5

What types of programs are available?

Accepted Answer

Programs that lead to strong employment opportunities include:
Business:      Accounting, payroll, marketing, sales, customer service
Healthcare      Administration: Dental and medical office administration
IT: Computer      technician, network administration, web design
Social Services:      Personal Support Worker (PSW), Community Service Worker (CSW)

Question 6

Are the degrees or certifications obtained from the Academy of Learning through Schools ON AIR officially recognized?

Accepted Answer

Yes, they are officially recognized. Academy of Learning is the largest and most reputable career education institution in Canada, with campuses across the country. It offers various nationally recognized certifications, including Bookkeeping, Personal Support Worker (PSW), and Community Service Worker (CSW).

Question 7

Do I need to attend campus for the programs?

Accepted Answer

It depends on the program:

Online programs: Most courses allow you to study online at your own pace.
In-person requirements:
Personal Support Worker (PSW): Requires 4 live classes per week and 1 practical       training session at the Mississauga campus.
Community Service Worker (CSW): Some live online classes are required, but no campus attendance is necessary.

Question 8

When does repayment start if I withdraw from my program?

Accepted Answer

If you withdraw, your six-month repayment grace period begins immediately after your withdrawal is reported.

Question 9

What happens if I withdraw from my studies?

Accepted Answer

Your school will try to support you in continuing your education.
If you officially withdraw, the school reports it to the government.
Any grant funding you received may be converted into a loan, meaning you will have to repay the full amount.

Question 10

When do I need to start repaying my OSAP loan?

Accepted Answer

Loan repayment begins six months after completing your studies. If you are unemployed at that time, you can apply for Repayment Assistance to delay payments.

Question 11

Can both spouses apply for OSAP at the same time?

Accepted Answer

Yes, both spouses can apply separately and receive financial assistance.

Question 12

How much funding can I receive from OSAP?

Accepted Answer

The amount varies based on your program, study period, family income, and dependents. For example, if your family income is $55,000 or lower and you have two children, you may receive:

Loan: Approximately      $15,000
Grant: Approximately      $22,300 (which you do not have to repay)
Total funding: Around      $37,300 for a 10-month certificate program

Question 13

Does OSAP have interest on loans?

Accepted Answer

Yes, interest applies to OSAP loans after the repayment period begins. The current interest rate is approximately 2.5%, which is lower than standard loan rates.

Question 14

Can I choose to receive only grants and not loans?

Accepted Answer

Yes, when applying for OSAP, you can opt out of loans and receive only grant funding.

Question 15

Do I have to repay the OSAP funding?

Accepted Answer

OSAP provides two types of financial aid:

Loan: This must be repaid after graduation.
Grant: If you complete your studies as planned, you do not need to repay this portion.

Question 16

I have applied for refugee status and am waiting for the decision. Can I apply for OSAP?

Accepted Answer

No, only those who have officially been granted refugee status (approved refugees) are eligible for OSAP. If your refugee application is still under review, you are not yet eligible.

Question 17

Is there an age limit to apply for OSAP?

Accepted Answer

No, there is no age limit. As long as you are an Ontario resident, a Canadian citizen, or a permanent resident, you can apply for OSAP at any age—even if you are 70 or older.

OSAP: Funding for Your Education and Living Expenses!

What is OSAP

Estimate Your Funding

Available Certificate Programs

Accounting

Business & Management

Customer Service & Hospitality

Healthcare

Information Technology

Legal

Office & Administration

Who can get OSAP

OSAP: Frequently asked questions