Apply for OSAP & student loans

You may be surprised that even Ontario graduate students in a funded program may eligible for OSAP! Spend 5-10 minutes on their OSAP Aid Estimator to see if you’re eligible. When you apply for OSAP, the Ministry automatically considers you for both grants and loans. If you don’t want to take a loan, you can decline it after your application is approved.

OSAP recipients are also automatically considered for the University of Toronto Advance Planning for Students (UTAPS) program, which provides students with non-repayable grants. If you’re an out-of-province student, apply for student loans through your home province and then separately for UTAPS.

Learn more about financial aid programs, payment procedures and maintaining interest-free status.