Part-Time Canada Student Loan (PTCSL)
The Part-Time Canada Student Loan provides eligible part-time postsecondary students with federal loans to help them pay for their education-related costs such as tuition, mandatory fees and books. You may also receive funding to assist with your transportation costs as well as child care costs (if applicable).
This program is a component of the OSAP Application for Part-Time Students.
Amount of Aid
The maximum amount of Part-Time Canada Student Loan you can have outstanding at any one time is $10,000. This limit applies to the loan principal only, not any accrued interest.
The loan is issued through the National Student Loans Service Centre (NSLSC).
Who Can Get This Aid
You may be eligible for this loan if you are:
- a part-time student taking from 20 to 59 percent of a full course load;
- attending a school that is approved for OSAP purposes;
- in a program of study at the postsecondary level (degree, diploma or certificate program)
- you meet the residency eligibility for this program (see details, below)
In addition, your total family gross income must fall below the applicable gross income limit corresponding to your family size in the following chart:
Annual Total Gross Income Limits
Part-Time Canada Student Loan Program
Total Family Size
Family Size Determination
Annual Total Gross Income Limit
Single Student (not married/common-law, no dependants)
Married Students, or Sole-support parent with one child
Married Students with one child, or Sole-support parent with two children
Married Students with two children, or Sole-support parent with three children
Married Students with three children, or Sole-support parent with four children
Married Students with four children, or Sole-support parent with five children
7 or more
Married Students with five or more children, or Sole-support parent with six or more children
- Ontario is the last province in which you have resided for 12 months in a row without being a full-time postsecondary student; OR
- You reside in Ontario and have resided in Canada for less than 12 months in a row.
Students Enrolled at More than One School for the Same Study Period
If you are taking courses at more than one school during the same study period and your combined course load is between 20 and 59 % of a full-time course load, you may be eligible for part-time funding. Before starting your part-time application, contact your financial aid office at the school that will be granting your degree, diploma or certificate for your application procedures.
How to Apply
Documents You Need to Provide
Your required documents will be indicated on your 2016-2017 OSAP Application for Part-Time Students. These documents must be provided before your application can be processed and you can be considered for this loan.
Information Your School Needs to Provide
Your school must provide information about your program and study period costs (e.g. tuition, books and equipment).
- If you are attending an Ontario public college or university, your financial aid office will provide your program and study period costs to the ministry electronically after you submit your application.
- If you are not attending an Ontario public college or university, you must print an OSAP for Part-Time Students Program Information form that you must send to your school for completion. This personalized program information form will be available for you to print from this website as soon as you submit your application. If you applied using the paper application, this form is included with your application.
The deadlines for the 2016-2017 OSAP Application for Part-Time Students are as follows:
Study Periods that are up to 20 weeks long
Your application must be received by your financial aid office no later than 6 weeks before the end of your study period.
All required documents must be received by your financial aid office no later than 6 weeks before the end of your study period.
Note: Documents received after your deadline date will not be considered.
Any review request must be received no later than 6 weeks before the end of your study period.
Study Periods that are up to 21 weeks or longer
Your application must be received by your financial aid office no later than 60 days before the end of your study period.
All required documents must be received by your financial aid office no later than 40 days before the end of your study period.
Note: Documents received after your deadline date will not be considered.
Any review request must be received no later than 40 days before the end of your study period.
What Happens After You Apply
Your eligibility for this loan is determined as part of the processing of your part-time OSAP application. Once your application is received, it’s processed in several stages that include:
- Confirming all required information and documents have been provided.
- Determining whether you meet all the eligibility requirements.
- Verifying the following information:
- Your Social Insurance Number and personal identification information (name, date of birth, and gender) is verified with the Social Insurance Registry.
You can log into the OSAP website at any time to see what stage your OSAP Application for Part-Time Students is at.
How to Find Out the Amount of Your Aid
Assessment results for your application will be available on this website. Log in to check the status of your application. Your total funding summary will provide complete details about the amount and type of aid you will be receiving.
What Needs To Be Done Before You Can Get Your Aid
You must provide proof of your identity before your part-time funding certificate is released to you.
- If you are attending a school located in Canada, your financial aid office will review the documents that you provide to confirm your identity.
- If you are attending a school located outside of Canada, you will be providing documentation as part of your application that will be used to verify your identity. The type of required documentation is outlined as part of the part-time application process.
When You Get Your Aid
You part-time loan will be issued in one instalment after you begin your studies. You must negotiate your funding certificate in order for your funding to be released.
- You cannot receive your funding until on or after your study period start date.
- You must submit your completed funding certificate and Canada Student Financial Assistance Agreement for Part-Time Students to a designated Canada Post outlet or the National Student Loans Service Centre (NSLSC)
- Your completed certificate and agreement must be received at the NSLSC within 30 days of the date entered on the document by your financial aid office.
- Your certificate must be received before the last day of the month of your study period end date as printed on your document. If it is not, the certificate will be considered invalid and you will not have access to the amount of funds listed on it.
How a Change to Your Situation Affects Your Current Aid
Your eligibility for aid can be affected if any of the following happens during your current study period:
- You reduce your percentage of study to less than 20% of a full-time course load.
- You increase your percentage of study to 60% or more of a full-time course load (see further information, below).
- You withdraw (or are withdrawn) from your current study period.
Switching From Part-Time to Full-Time Studies
If you have applied for part-time funding and/or have received part-time funding for your current study period and wish to increase your course load to full-time status, you must contact your financial aid office before completing an OSAP Application for Full-Time Students.
How to Stay Eligible for Future Aid
You must successfully complete all of the courses that you received aid for in order to remain eligible for future aid consideration. Otherwise, you will have to successfully complete one semester of self-funded studies before you can be considered for any future aid from OSAP for Part-Time Students.
How to Check the Status of Your Application
Information about the status of your application is available on this website. Log in to check the status of your application.
Contact your financial aid office if you have any questions regarding the status of your application.
After Your Current Study Period Ends
If You’re Continuing in Part-Time Studies
You must submit an OSAP Application for Part-Time Students for each academic year that you wish to be considered for funding.
If You’ve Completed Your Part-Time Studies
You must start making payments on your part-time loan (interest and principal) beginning on the last day of the seventh month after the day your current study period ends.
If you are continuing in either part-time or full-time studies, you may be eligible to extend the date that you are required to start re-paying your loans by:
- receiving financial aid through OSAP, or
- submitting a completed Continuation of Interest-Free Status form and/or Schedule 2 form.