OSAP

Applications are available online or at SGS 1st Floor, Social Work, OISE, Information Studies, Management & Community Health and Admissions and Awards. Fifty per cent of OSAP recipients are from the academic departments named above.

UTAPS

Most OSAP recipients will receive additional funds from UTAPS (U of T Advance Planning for Students). This program bridges the gap between the OSAP calculated need and the OSAP maximum loan. Out-of-province student loan-holders are eligible but MUST apply separately. Information and application forms are available online.

Maintain Interest-Free Status

If you have a previous Canada Student Loan (CSL), Ontario Student Loan (OSL), and/or Canada-Ontario Integrated Student Loan you must ensure that your previous loan(s) are placed in interest-free status while you are continuing your studies. Keeping this interest-free status means that you do not have to repay the loan while you are in school and that the Government of Canada and/or the Province of Ontario will continue to pay the interest on your loan. If do not keep your loans in interest-free status, you will be required to start repaying your loan(s) within six months of the end of your last study period. The Confirmation of Enrollment form is available online. More detailed information is available on the OSAP website.

SGS Emergency Loan Fund

This loan alleviates temporary cash flow problems for students who are expecting to receive a payment in the near future.  The maximum loan amount is $500 and is interest free until the mutually agreed upon repayment date, which is typically within a month of the date of issue.
The application form can be obtained from the SGS Fellowships Office.  If application is approved, a cheque is usually issued within 48 hours. Contact Yvonne Au at 978-4101 or yvonne.au@utoronto.ca

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