Apply for OSAP
Step 1: Log in to your OSAP account using your Ontario Access Number (OAN) and password
- First time applicants will need to create an account, a personal profile and be assigned an Ontario Access Number (OAN). Keep this in a memorable place as you will need it each time you log in to the OSAP website.
Step 2: Start a new full time OSAP/OTG application
- You will be asked to provide information about your program, residency, income, assets, and family (if applicable)
Step 3: Submit the application
- At the end of the application, click ‘Submit’ and review the list of required documents
Step 4: Upload required documents (if applicable)
- Student Awards & Financial Aid (SAFA) at UWaterloo will review all documents. Depending on the time of year, this will take approximately 2-4 weeks.
Step 5: Confirmation of enrolment
- SAFA will confirm your enrolment with the MTCU. You will receive your funding 7-10 days after the confirmation of enrolment is completed.
Confirm your enrolment with OSAP
SAFA will confirm your enrolment. We start this process at the beginning of each term and continue it throughout the term.
In order to have your enrolment confirmed:
- you must be “fees arranged” with UWaterloo for the term in which you are receiving OSAP
- all program information on your application (including program, study period, course load, etc.) must match Quest
- all supporting documents must be received and approved
Other delays may occur due to extenuating circumstances, such as academic probation or previous income variances. If you are in this situation, please contact our office for more information.
Receive your funding
You will receive your funding approximately 7-10 days after we confirm your enrolment. You may receive your funding in multiple deposits over several days as it may be issued from different government offices.
Please note that OSAP funds are NOT directed to the University to pay your tuition and fees. Once your OSAP funding has been deposited to your bank account, make a payment using one of the payment options to pay the balance indicated on your student account.
Make changes to your application
Complete the Application Update form when you need to update your:
- course load
- program information
- income, scholarships or other funding received during the pre-study or study period
Some other changes, such as marital status or name changes, can be made by submitting written notice, along with official documentation, to our office. Be sure to include your full name, signature and student ID, as well.
Add a term to your application
If you already have a confirmed OSAP application on file for the current school year, complete the Extension form to add a term to it, if:
- you’re returning for an additional academic term during the same school year
- you’re on an official co-op work term and wish to apply for additional funding for living costs
- you have completed an undergraduate degree and are returning as a graduate student during the same school year
Apply for OSAP during a co-op term
You can apply for OSAP during an official co-op work term to help with living costs. If you’re taking a course with UWaterloo during your co-op term, the tuition and fees will be added to your application, as well. However, there are things to consider:
- Ontario Student Opportunity Grant (OSOG) implications
- If you apply for all three terms in an academic year, the exemption level (i.e. the minimum amount you have to pay back) increases
- If you apply for two terms (academic and/or co-op) during any academic year, you will be considered for OSOG
- You must be employed full-time while on an official co-op term
- You must include any co-op earnings on your application as study period income
- You will incur more debt
- You will use up more weeks of your OSAP lifetime limit