Ontario students — updated for 2025–26

Up to $12,000/year in free college funding — do you qualify?

Thousands of Ontario residents miss out on OSAP grants simply because they never checked. Our free 90-second quiz tells you exactly where you stand — no SIN, no paperwork, no commitment.

No SIN required  ·  90 seconds  ·  Instant result
$12K
max annual grant
per student
500K+
Ontarians receive
OSAP annually
1,700+
approved Ontario
programs
90 sec
to check your
eligibility
How it works
Three steps to know where you stand

No bureaucracy. No waiting. Just answers — and next steps that actually make sense for your situation.

1
Answer 5 quick questions
Citizenship, income range, program type — nothing personal, nothing invasive. Takes under 90 seconds.
2
Get your eligibility result
Instantly see whether you qualify for grants, loans, or both — with a plain-language explanation of why.
3
Get matched to programs
We'll send you a curated list of OSAP-covered programs that match your profile, funding level, and goals.
Who qualifies
More people qualify than you'd think

OSAP is designed to be accessible. These are the most common eligibility signals — check yours in the quiz below.

Canadian citizen or PR
Citizenship or permanent residency in Canada opens the door to full OSAP eligibility.
Household income under $175K
Students with household incomes under $175K qualify for some OSAP funding; under $50K unlocks maximum grants.
Ontario college or university
Your chosen program must be at a designated Ontario institution — there are over 1,700 eligible programs.
First-time or returning students
Whether it's your first program or you're upskilling after years in the workforce, OSAP has pathways for you.
Full-time or part-time
Both study loads are OSAP-eligible. Full-time students typically receive more total funding.
Grants don't need repayment
A significant portion of OSAP for lower-income students is grant money — you never pay it back.
Free eligibility check
Find out in 90 seconds

Answer 5 short questions. No SIN. No login. Instant result.

Question 1 of 5 — Residency
What is your residency or citizenship status in Canada?
OSAP requires one of these statuses. This is the most important eligibility check.
Canadian citizen
Permanent resident (PR card holder)
Protected person or convention refugee
Study permit, work permit, or visitor
International students and temporary residents
No personal data collected yet
Question 2 of 5 — Program
Where is the program you want to study?
OSAP covers tuition at Ontario-designated colleges and universities only.
Ontario college or university
Any OSAP-designated institution in Ontario
Another province or country
I haven't decided yet
Still exploring options
Question 3 of 5 — Income
What is your household's approximate annual income?
This determines your grant-to-loan ratio. Lower income = more free grant money.
Under $50,000
Highest grant eligibility — up to $12,000/year
$50,000 – $175,000
Partial grant + student loan
Over $175,000
Loans available, no grant
Question 4 of 5 — Education
Have you already completed a post-secondary program?
Prior credentials can affect grant eligibility but don't disqualify you from loans.
No — this is my first post-secondary program
Yes — diploma or certificate
Yes — bachelor's degree or higher
Last step — Your details
Where should we send your eligibility results?
We'll include matched OSAP-eligible programs and your estimated funding range.
Your result is sent instantly to your inbox
No spam — only your results and matched programs
100% free — OSAP guidance costs nothing

Common questions
Everything you need to know
An OSAP grant is money the government gives you that you never have to repay. A loan is money you borrow interest-free while in school, and begin repaying 6 months after graduation. Lower-income students receive a higher proportion as grants.
No. We only collect your name, email, city, and the quiz answers you provide. No SIN, tax data, or banking information is ever requested or stored.
Yes, in most cases. Having a diploma or certificate does not disqualify you from OSAP loans. Grant eligibility may be reduced for a second credential, but loans remain fully accessible. Students returning to upskill frequently use OSAP successfully.
The full OSAP application on the Ontario government website typically takes 20–30 minutes. Most students complete it online at osap.gov.on.ca. Our quiz helps you confirm you're eligible before you invest that time.
You'll receive your personalized eligibility result instantly on screen, plus an email with matched OSAP-eligible programs. An advisor may follow up within 24–48 hours to walk you through next steps — there's no obligation.