Loan repayment process

2022-23 OSAP Application for Full-time Students

What you need to repay

You need to repay your OSAP if:

• you took an OSAP loan
• you received a grant or bursary overpayment
• your grant gets converted to a loan

Who needs to start repaying

You may need to start paying back your OSAP loan six months after your study period ends.

You don’t need to start paying back your OSAP loan if your school confirms your enrolment for the next study period and we approve your application for one of the following programs:

• OSAP for Full-Time Students
• Continuation of Interest-Free Status 

Where to repay your loan

You’ll be making payments to the National Student Loans Service Centre (NSLSC), not to OSAP.

For further details about the repayment process, visit https://www.ontario.ca/page/pay-back-osap.