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Applying for OSAP

For more information on applying for OSAP

How to apply for OSAP

OSAP Overview
OSAP is available to eligible students in the form of an integrated student loan funded by the Province of Ontario and Government of Canada. These loans are interest-free until graduation or until you cease full-time studies; repayment begins six months later. OSAP's objective is to help students meet the costs of post-secondary education, including tuition, books, supplies and basic living expenses. OSAP is not intended to supply all the funding to meet these costs. Its purpose is to supplement, not to replace, the financial resources that you (and your family) are expected to contribute.

You can apply for OSAP online.

When you apply as a University of Guelph-Humber student, make sure you:

  • Select the University of Guelph-Guelph and Humber Campuses as your school.
  • Enter Toronto as the city and Humber as the campus
  • Select your program, ensuring the initials GH follow the program name. This lets OSAP staff know you're attending the University of Guelph-Humber.

OSAP Deadline Dates

Important dates and deadlines to ensure that your student loan arrives for the start of your school year.

OSAP Eligibility

Degree Eligibility

To be eligible for OSAP funding, students must be registered in a program that leads directly to a degree or diploma. Students registered in a non-degree program are not eligible to apply for OSAP funding. Under limited circumstances, some qualifying studies may be eligible for funding. Please contact Student Financial Services contact information and ask to book an appointment with an Advisor.

Course Load Requirements

Full-Time OSAP

You are eligible to apply for full-time OSAP assistance if you are enroll in at least 60% of a full course load (per term), or 40% of a full course load, if you are a student with a permanent disability.

Part-Time Students

Part-time OSAP is available to students who take less than 60% of a full course load. Students with a permanent disability, who are taking 40% of a full course load, have the choice of receiving full- or part-time OSAP funding.

OSAP Funding
Course Credits per Term Course Load OSAP Funding Available
2.0 or more credits 100% Full time
1.5 credits 60% Full time
1.0 credits 40% Part time, or full time for students with a permanent disability
0.5 credit 20% Part time

Course Load Changes

Changes in your course load can lead to changes in your OSAP funding. If you drop below the minimum requirements you will lose eligibility for your funding plus incur an OSAP academic penalty. Please contact Student Financial Services contact information and ask to book an appointment with an Advisor before you make any changes to your course load.

Withdrawal from Studies

If you withdraw from your studies, your OSAP funding will be affected, and you will be assessed with an OSAP academic penalty. If you withdrew because of illness, or family emergency, an appeal may be available. Please contact Student Financial Services contact information and ask to book an appointment with an Advisor before you make any changes.


Any refund of tuition or fees, up to the total value of OSAP received, must be returned to the National Student Loans Service Centre. This government regulation is outlined on the Master Student Financial Assistance Agreement (MSFAA), and the signature/consent pages that students sign. All OSAP-funded students agree to these terms and conditions when they apply for OSAP.

Academic Progress

Full-Time OSAP

  • Students must successfully complete at least 60% of a full course load (1.5 credits each term) to maintain OSAP eligibility.
  • Students with a permanent disability must successfully complete 40% of a full course load (1.0 credits each term) to maintain OSAP eligibility. 
  • Failure to complete the required course load will result in OSAP academic probation or restriction

Part-Time OSAP

  • Students who receive part-time OSAP funding must successfully complete all funded courses

Please note: courses that are dropped without academic penalty at the University of Guelph-Humber are not considered to be successfully completed. Students must complete, and pass, the required course load to avoid OSAP academic penalties. Frequent program switches, and course drops or withdrawals may be considered lack of academic progress, and are subject to OSAP academic penalties. Please contact Student Financial Services contact information and ask to book an appointment with an Advisor to discuss your situation.

Residency Requirements

You must be a Canadian citizen, Permanent Resident of Canada, or a Protected Person. You also must meet Ontario residency requirements to apply for OSAP. For complete information on OSAP residency requirements, please visit the OSAP website, or contact Student Financial Services contact information and ask to book an appointment with an Advisor.

Not an Ontario Resident?

  • Apply to the government student financial aid program in your home province. Every province and territory in Canada offers a student financial aid program.

Questions About Citizenship:

Visit the Immigration, Refugees and Citizenship Canada (IRCC) website for their online help centre and for information about IRCC offices.

Need Help?

For complete information on OSAP Loan Eligibility Requirements, please visit the OSAP website, or contact:

Student Financial Services:  416.798.1331 extension 6256, or email

Confirmation of Enrolment

The Confirmation of Enrolment is a process the school runs to inform the Ministry of Colleges and Universities that you are enrolled in the University. This process is run for all students who have applied for OSAP funding. A similar process is run for government student aid programs for all Canadian provinces and territories.

If you log onto your account on the OSAP website and see that your Confirmation of Enrolment is outstanding, it means that your account is complete, and OSAP is waiting for the University to confirm your enrolment. Please make sure that you are enrolled in the same course load that you indicated on your OSAP application. If you wish to change your course load on your OSAP application, please send an email to, from your University of Guelph email account.

Student Financial Services (SFS) will start confirming enrolment about 10 days before the start of your study period. If your OSAP is complete, and your course load matches your application, then your enrolment should be confirmed and your funding released by the start of your study term. SFS will continue the confirmation process throughout the semester.

OSAP is released in two installments, and enrolment is confirmed every semester.

Paying your tuition with OSAP

Your OSAP funding is released in two portions; 60% of the funding is released in the fall, and the remaining 40% is released in the winter. The University of Guelph-Humber bills each semester separately (50% in the fall, 50% in the winter).

Your OSAP does not cover your fall $200 registration deposit. You are required to submit the $200 registration deposit by the August payment deadline.

Student Financial Services must confirm your enrolment before funding is released. To be confirmed, you must be enrolled in all your courses and have a complete and error-free OSAP application. Confirmation of enrolment begins approximately 10 days before the start of each term. Monitor your OSAP and WebAdvisor accounts. Monitor Account View on WebAdvisor to view when confirmation of enrolment is complete; there will be a notification at the top, right-hand corner in Account View. Funding will be received 5-10 business days after confirmation of enrolment is complete.

Get information about fee payment, acceptable payment methods and deadlines

Receipt of your OSAP funding

Your OSAP funding will automatically be remitted to your student account. Please verify on WebAdvisor that your funds have been applied to your student account.

a) If you have more OSAP funding than is required to pay your student account, the remainder will automatically go to your bank account. If your funds have not been applied to your student account yet but your confirmation of enrolment (see Account View on WebAdvisor) has been completed and you have enough OSAP to pay your term balance, you do not need to make a payment to your student account.


OSAP funding for the semester = $4000.00

Tuition and fees for the semester = $3700.00

Money deposited to student's bank account = $300.00

Student to pay before deadline = $0.00

b) If you are not receiving enough OSAP to pay your student account, please pay the outstanding balance by the payment deadline. Your student account must be paid in full by the payment deadline to avoid late fees. If you are living in residence, your OSAP funding may not cover all of your fees, so please remember to check your student account on WebAdvisor.


OSAP funding for the semester = $2000.00

Tuition and fees for the semester = $3700.00

Money deposited to student's bank account = $0.00

Student to pay before deadline = $1700.00

Letter of Permission (LOP) courses

A Letter of Permission is required if a University of Guelph‐Humber student wishes to enrol in a course at another institution and have the course considered as a credit toward their University of Guelph‐Humber degree/diploma.

Once the course has been approved by your academic advisor and you have been registered, you must provide Student Financial Services the following three pieces of information:
1. A confirmation of your enrollment from the Registrar's Office indicating the name and start and end dates of the LOP course.
2. An official receipt indicating that full payment has been made for the LOP course.
3. A copy of your approved LOP from the University of Guelph-Humber.

Student Financial Services will be able to confirm your enrollment once we have this information and your OSAP release will proceed accordingly.

Changes to your application

To make changes to your original OSAP application before September, mail your request with the proper supporting documents to:

Student Financial Services
GH 112
University of Guelph-Humber
207 Humber College Blvd
Toronto, ON M9W 5L7
T: 416-798-1331 ext.6256
Fax: 416-798-1048

Changes to your OSAP account can be viewed through your OSAP account online. It takes approximately 48 hours for your OSAP webpage to be updated after we process your request.

Please remember to keep copies of all your loan documents.