Families with annual income up to $160,000 may be eligible for OSAP grants. For larger families (e.g., family of 4), this limit increases to $175,000, making more students eligible for non-repayable funding.
Yes, for most students, any remaining OSAP student loan debt is forgiven after 15 years of leaving full-time studies. For students with disabilities, forgiveness applies after 10 years.
You can receive OSAP for up to 340 weeks of study. Students with disabilities qualify for up to 520 weeks, and doctoral students receive up to 400 weeks.
Yes, there is no restriction on the number of OSAP-funded programs, as long as you haven’t exceeded the lifetime limit. Many students take 2-3 programs consecutively.
Ontario’s Repayment Assistance Program (RAP) offers payment relief. Under RAP, after 10-15 years, any remaining student loan debt may be forgiven, depending on your financial situation.
Yes—as long as it's at least 12 weeks long, you meet the full-time requirements, and you’re an Ontario resident with the proper status.
After approval, OSAP sends 60% of tuition upfront directly to your institution; the remaining 40% is disbursed mid-program.
From May 25, 2025, log in via MSCA. If you don’t already have one, create an account now to secure access.
Referral Commission – Terms & Conditions
Referral commissions are applicable only for successful referrals, defined as a referred applicant who enrolls in a program and when the applicable commission payment has been released to SJ EduSolutions Inc.
Any eligible individual may refer a student and receive a flat referral commission of $800 per successful referral, subject to successful enrollment and confirmation that the commission payment has been released to the consultancy. Self-referrals and spouse-to-spouse referrals are not permitted.
If a referred student is married and their spouse also enrolls, the original referrer who referred the primary student will remain eligible to receive the referral commission for the spouse as well, provided all referral conditions are met.
For every referral received, SJ EduSolutions Inc. will communicate the current and applicable commission structure to the referrer. The commission payable for that referral will be based on the structure shared at the time the referral is received.
Referral commissions will be processed only after the commission amount is released to SJ EduSolutions Inc. by the partner institution or service provider. Payment timelines may vary depending on third-party processing and internal verification procedures.
The entire referral commission can be given to one other person if needed. This is allowed only after a written agreement is signed and approved by the consultancy.
Any updates or changes to this referral policy will apply only to future referrals. Referrals submitted prior to any policy update will be honored under the terms that were in effect at the time the referral was received.