Making Cents of OSAP. Financial Aid Office of the Registrar. Nov 2013

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1 Making Cents of OSAP Financial Aid Office of the Registrar Nov 2013

2 What is OSAP? Ontario Student Assistance Program: federally and provincially funded student loans and grants Intended to supplement existing financial resources for the costs of post-secondary education Student, parental/spousal (if applicable) contributions are expected Parental contributions expected for first four years of postsecondary studies Spousal duration of marriage and study Pre-study working full-time when not in school

3 Why are there so many rules? Governments use taxpayers funds to give loans and grants Governments pay the interest on all loans while the student is full-time Grants and bursaries are non-repayable Need to confirm identification

4 Third Party Verification Checks Ministry of Transportation (MTO) $5,000 + vehicle value Social Insurance Number (SIN) check Credit Check Three or more credit accounts in arrears for 90 days, or more, with a combined value of $1,000, or more

5 Lifetime limits to OSAP funding Canada and Ontario Student Loans Maximum assistance/interest-free status is 340 weeks of study Equates to approximately ten years of study Extended to 400 weeks for doctoral studies (PhD) Each program regular number of years + one

6 Calculation of Need Educational costs Resources = Financial Need Educational costs Tuition Books and computer Living cost (OSAP assumes student is living at home if within 30 km of post-secondary institution) Resources Pre-study period (expected/actual summer earnings) Study period earnings (exceeding $100/week or approx. $3,400 over a 33-week study period) Parental/spousal contribution Vehicle assets, RRSP, RESP, savings etc.)

7 Vehicles & Assets Combined value of $5,000 for any vehicles in the student s name Applies to spouse if married Includes both leased and/or financed vehicles Bank balances and other assets, such as RESP and RRSP are included in the assessment Government expects students to use their resources prior to receiving OSAP assistance

8 Full-time study status Enrolled in 60% of a full course load at all times (40% for students with permanent disabilities) 100% = 5.0 credits at UTM (2.5 credits per term) 60% = 3.0 credits (1.5 credits per term) OSAP calculates and provides assistance for each week that a student is in full-time studies

9 Academic Progress Check Must be registered in at least 60% of a regular, full course load at all times and pass at least a 60% course load (40% for students with permanent disabilities) Failures, course drops, etc. can impact eligibility OSAP Academic Probation warning Student must write a letter of explanation during probationary period OSAP Academic Restriction one year Appeal available under specific circumstance Student must write a letter following the period of restriction to request reinstatement for further funding

10 Income Verification Important to accurately report income personal, parental, spousal OSAP will verify income with the Canada Revenue Agency (CRA) If discrepancies occur overpayments are generated Second overpayment OSAP restriction until repaid Severe discrepancies full OSAP restriction for up to five years, plus a requirement for the student to fully repay the Ontario portion of their OSAP loan

11 Overpayments Changing course load especially below 60% Misreported income personal, parental, spousal Underestimated income that changes through the academic year Misreported or change in assets Second overpayments must be repaid in full before receiving further assistance Submit receipt from National Student Loans Service Centre to your financial aid office as proof of payment Overpayments are not automatically deducted from future years OSAP funding portions

12 Continuation of Interest-Free Status OSAP and NSLSC do not know when a student is in full-time studies if they are not receiving OSAP funding U of T does not automatically report status to OSAP/NSLSC If not taking/eligible for OSAP loans, a student must officially advise the NSLSC when they are a full-time student CIFS forms are available from the student s financial aid office Loans will go into repayment six months after the last full-time term of study Loans go into default three months after non-payment This will compromise credit history and future loan/grant eligibility

13 Appeals See a Financial Aid Advisor to discuss: Parental/spousal income E.g., job loss, medical expenses, essential house repairs, elderly care Summer earnings E.g., in school, couldn t find work Living away from home Family breakdown E.g., abuse, abandonment, safety Credit check failure Academic progress issues (probation and restriction) Other potential reviews may be available

14 Reminders Apply early! Students entering first year of post-secondary studies are encouraged to apply for OSAP by May 31 Submit all required documentation promptly Check status of your application frequently in case OSAP requests additional documentation

15 Keep in Touch! Office of the Registrar Room 2122 William G. Davis Building 3359 Mississauga Rd N, Mississauga, ON L5L 1C6 Drop-In Academic and Financial Aid Advising for New and Returning Students Mon, Tues, Thurs, Friday: 9 a.m. to 4 p.m.; Wed: 10 a.m. to 4 p.m. T: F: m.utm.utoronto.ca (Also in the App Store)

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