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OSAP/financial aid

The Ontario Student Assistance Program (OSAP) provides help through loans and grants based on your calculated financial need. Learn more about eligibility, when to apply, how to apply and more 鈥 including other ways to pay your way to graduation.

For the most up-to-date information regarding changes to the OSAP program, please visit the聽. Questions? Contact Financial Aid and Awards.

What is OSAP?

OSAP is a government-funded financial aid program that can help you pay for college.

OSAP offers funding through:

  • grants
    • money you don鈥檛 have to pay back
  • student loans
    • money you need to repay once you鈥檙e done school with interest

OSAP聽can help you pay for:

  • tuition and ancillary fees
  • books, supplies and equipment
  • living expenses (full-time students only)
  • child care (full- and part-time students with children)
OSAP logo

How much OSAP funding will I receive?

The amount of OSAP funding you鈥檙e eligible to receive depends on whether you鈥檙e single, married, in a common-law relationship, and if you have dependents.

The amount of assistance you may receive will be determined by assessing your financial need. This is done by adding together the costs for your education and living expenses, and then subtracting any financial resources that may be available to you.

OSAP offers an to help you determine your educational costs and get an estimate of the financial aid you could receive. As well, maximum amounts of aid are listed on the .

Who is eligible for OSAP?

To be eligible for OSAP, you must:

  • be a Canadian citizen, permanent resident of Canada, or a protected person
  • be applying for an approved postsecondary program at 兔子先生
  • Be enrolled in an eligible course load

Approved programs at 兔子先生

Micro-credentials兔子先生 Chevron

OSAP is available for select micro-credentials at 兔子先生.

Please check the for the list of micro-credential programs that are eligible for OSAP funding.

Please visit the dedicated to OSAP funding for these programs for more information.

Part-time programs聽兔子先生 Chevron

If you鈥檙e interested in applying for part-time OSAP, please be advised that only the programs listed below may be eligible.

If you鈥檙e registering for any of the eligible programs and wish to apply for OSAP, eight weeks prior to registering for your first course, please contact financialaid@georgiancollege.ca to determine your individual eligibility and course load requirements and/or restrictions.

Additional information for part-time students兔子先生 Chevron

You鈥檙e in part-time studies if you鈥檙e taking between 20 and 59 per cent of a full course load. Your full course load percentage is defined by your school.

Part-time OSAP provides assistance to students studying on a part-time basis. To be eligible, you must meet the following criteria:

  • be a Canadian citizen, permanent resident or protected person
  • take between 20 and 59 per cent of a full course load
  • study at the postsecondary level 鈥 degree, diploma or certificate program
  • have a total family gross income that falls below the applicable maximum based on your family size

Applications are completed on a per-term basis, and you must be registered in courses聽before聽applications can be processed by the Financial Aid and Awards office.

Ineligible offerings兔子先生 Chevron

The following types of programs are not eligible for OSAP funding:

  • Academic upgrading
  • Continuing Education courses
  • High school equivalency
  • Full-cost recovery program
  • Transfers between college and university
  • General studies, exploratory studies, open studies, independent undergraduate studies or non-degree/special or unclassified students
  • Open learning
  • Apprenticeship training
  • Pre-apprenticeship programs
  • Modified apprenticeship programs
  • Law Society of Ontario

Questions about OSAP eligibility?

We鈥檙e here to help!

Reach out to 兔子先生鈥檚 Financial Aid and Awards team:

鈥 Email financialaid@georgiancollege.ca
鈥 Call 705.722.1530

When do I apply for OSAP?

The 2024-25 OSAP application is now open!

OSAP applications open in the spring (April/May) of each academic year. It鈥檚 recommended you complete your online application and submit all the necessary documents a minimum聽eight to ten weeks聽prior to your program start date.

Please see below for individual application deadlines by student type and intake, as well as deadlines to submit documentation to support your application.


2023-24 application deadlines

Full-time students兔子先生 Chevron

For all full-time students, submit your OSAP application no later than 60 days (about two months) before the end of your study period:

TermApplication deadline
Fall 2023Oct. 16, 2023
Winter 2024Feb. 19, 2024
Summer 2024June 17, 2024
Part-time students with study periods of 21 weeks or more兔子先生 Chevron

For part-time students with study periods of 21 weeks (about five months) or more, submit your OSAP application no later than 60 days (about two months) before the end of your study period:

TermApplication deadline
Fall 2023Oct. 16, 2023
Winter 2024Feb. 19, 2024
Summer 2024June 17, 2024
Part-time students with study periods of 20 weeks or less兔子先生 Chevron

For part-time students with study periods of 20 weeks (about 4 and a half months) or less, submit your OSAP application no later than 40 days (about 1 陆) before the end of your study period:

TermApplication deadline
Fall 2023Nov. 5, 2023
Winter 2024March 10, 2024
Summer 2024July 7, 2024聽
Students in micro-credential programs兔子先生 Chevron

For students in micro-credential programs, submit your OSAP application no later than the end of your study period:

TermApplication deadline
Fall 2023Dec. 15, 2023
Winter 2024April 19, 2024
Summer 2024Aug. 16, 2024
Students applying for Continuation of Interest-Free Status兔子先生 Chevron

For students applying for , the deadline to submit is:

TermApplication deadline
Fall 2023Nov. 24, 2023
Winter 2024March 29, 2024
Summer 2024July 26, 2024

2023-24 document deadlines

For full-time and part-time students, Financial Aid and Awards must receive all documents no later than 40 days (about 1 陆 months) from the end of your study period:

TermDocument deadline
Fall 2023Nov. 5, 2023
Winter 2024March 10, 2024
Summer 2024July 7, 2024

How do I apply for OSAP?

Step-by-step guide to apply for OSAP

Check out聽our step-by-step聽how to apply for OSAP听辫补驳别.

Applications are available online at聽. Information regarding income thresholds, funding maximums, and application deadlines can also be found online.

Frequently asked questions (FAQs)

What is the Student Access Guarantee?兔子先生 Chevron

The Student Access Guarantee (SAG) is a partnership program between the ministry and Ontario鈥檚 public colleges and universities.

Through SAG, Ontario鈥檚 publicly assisted colleges and universities are required to ensure that financial need is not a barrier to accessing education. If OSAP doesn鈥檛 cover a student鈥檚 assessed needs for expenses directly related to their program (e.g. books, tuition and mandatory fees,) a student may be eligible for additional financial aid. Schools provide this funding through a combination of non-repayable sources, including bursaries, scholarships or work study programs.

You鈥檒l automatically be considered for the Student Access Guarantee based on the information on your full-time OSAP application.

笔濒别补蝉别听contact the Financial Aid and Awards office聽for additional information

What is the Ontario Student Grant?兔子先生 Chevron

The Student Access Guarantee (SAG) is a partnership program between the ministry and Ontario鈥檚 public colleges and universities.

Through SAG, Ontario鈥檚 publicly assisted colleges and universities are required to ensure that financial need is not a barrier to accessing education. If OSAP doesn鈥檛 cover a student鈥檚 assessed needs for expenses directly related to their program (e.g. books, tuition and mandatory fees,) a student may be eligible for additional financial aid. Schools provide this funding through a combination of non-repayable sources, including bursaries, scholarships or work study programs.

You鈥檒l automatically be considered for the Student Access Guarantee based on the information on your full-time OSAP application.

笔濒别补蝉别听contact the Financial Aid and Awards office聽for additional information

If I withdraw from course(s) or my program, how is my OSAP funding impacted?兔子先生 Chevron

If you withdraw or drop a course(s) and are taking less than 60 per cent of a full course load (40 per cent for students with a permanent disability), you鈥檙e considered withdrawn and no longer eligible for the rest of the study period.

As a result:

  • you鈥檒l be required to repay your loans six months after the withdrawal
  • you may have to repay money you鈥檝e already received (called an overpayment) before you can receive future OSAP funding

In addition, please see the information on academic progress restriction and probation.

If you鈥檙e thinking about changing your course load, to find out how this may affect your OSAP funding.

How can I keep my OSAP funding interest-free?兔子先生 Chevron

Your OSAP loans will not accrue interest in some situations. If you鈥檙e getting OSAP for full-time students, you鈥檒l automatically be interest-free once your school confirms enrolment.

You can apply to be interest-free on a聽previous聽loan if you鈥檙e continuing in part- or full-time study and NOT receiving full- or part-time OSAP:

  • full-time students should use the Continuation of Interest-Free Status Application ( or via the )
  • part-time students should submit a聽聽form from Employment and Social Development Canada
What do I need to know about OSAP repayment?兔子先生 Chevron

You鈥檒l need to repay your loan through the聽听(狈厂尝厂颁).

Here, you can:

  • see the status of your loan
  • update your contact information
  • change your monthly payment amount

You鈥檒l receive a notice in the mail that your loan repayments are about to begin.

If you don鈥檛 receive notice by mail, make sure you contact NSLSC聽before聽your six-month non-repayment period is over. You鈥檒l want to review all aspects of your loan(s) and finalize details concerning repayment.

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MORE ways to pay your way to graduation

In addition to OSAP, you can also help your way to graduation through part-time jobs, paid co-op, budget planning, personal savings, as well as the following options.

a group of four students sitting on the floor with notebooks, laptops and coffee mugs

Awards, scholarships and bursaries

Close to $4 million in聽awards, scholarships and bursaries聽is awarded to 兔子先生 students each year. Many external opportunities are available, too.

Black female wearing a white t-shirt and grey blazer smiling while talking on the phone in front of laptop

Work Study Program

Earn while you learn! Take an on-campus job and work part-time while you complete your studies through the 兔子先生鈥檚 Work Study Program.

Student line of credit

Did you know that most banks offer student loans? Contact yours to learn about options, procedures and deadlines.

Contact Financial Aid and Awards

Financial Aid and Awards provides a centralized service located at the Barrie Campus within the Office of the Registrar.

Phone:听705.722.1530
Fax:听705.722.5136
Email:听financialaid@georgiancollege.ca

Hours: Monday to Friday, 8:30 a.m. to 4:30 p.m.

The services above are available both in person and remotely. Please be sure to include your full name and student number in your email or voicemail.

two female students and one male student sitting outside on the grass in front of the 兔子先生 sign at the Barrie Campus main entrance