LOL I ran out of space in the description so here are the sources I used Please let me know if you want me to make more videos like this, else I will work more on more "student" related content (even though this is technically part of our lives at this point!) Before you apply: www.ontario.ca/page/learn-about-osap#section-3 Paying back OSAP: www.ontario.ca/page/pay-back-osap General information (OSAP): en.wikipedia.org/wiki/Ontario_Student_Assistance_Program#Financial_Resources Student lines of credit: www.canada.ca/en/financial-consumer-agency/services/loans/student-lines-credit.html#toc0 OSAP Calculator (Estimator): osap.gov.on.ca/AidEstimator1920Web/enterapp/enter.xhtml?lang=en Loan repayment calculator: tools.canlearn.ca/cslgs-scpse/cln-cln/crp-lrc/af.nlindex-eng.do Student debt statistics Canada: www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=3710003601 Canadian students owe $28B of student debt: globalnews.ca/news/4222534/canadian-student-loans-government-interest/ Bankruptcy (don't get to this stage): www.ic.gc.ca/eic/site/bsf-osb.nsf/eng/br02057.html Prime rate in Canada: www.bankofcanada.ca/rates/daily-digest/ More facts + statistics on Canadian debt: www.hoyes.com/press/joe-debtor/the-student-debtor/
@Martin_Leung
4 жыл бұрын
I didn't mention this in the video, but if you're an out of province student you can only qualify for OSAP if you lived in Ontario for 12 months while not being engaged in full time studies!
@catunicorncookies3904
3 жыл бұрын
Thank you for teaching me everything my useless highschool and guidance never taught me
@Martin_Leung
3 жыл бұрын
I wish school, or even our parents taught us this stuff earlier
@stephandden
4 жыл бұрын
Great video and insight Martin! I’ve actually been sharing my OSAP debt repayment journey ✨
@Martin_Leung
4 жыл бұрын
Best of luck with that! :)
@tenzinchoedon9555
4 жыл бұрын
The interest for osap loan starts from the day of the graduation.
@Martin_Leung
4 жыл бұрын
Only the "Ontario" portion of the loan, my bad. www.ontario.ca/page/pay-back-osap#:~:text=You%20have%20six%20months%20after,(%E2%80%9Cloan%20principal%E2%80%9D).
@tenzinchoedon9555
4 жыл бұрын
It’s all thanks to Doug Ford 😒
@Martin_Leung
4 жыл бұрын
Let's hope we save enough to pay it off ASAP nonetheless!
@gurjitmahant3521
3 жыл бұрын
OSAP loan begins when you are not enrolled in full-time studies. Let's say you have a couple of courses remaining, that does not qualify you as a full-time student. Your student financial aid office will declare you as a part-time student and the OSAP loan will begin.
@leonakuo4072
4 жыл бұрын
just in time!! I was just looking at osap and my resp since I already know how much I’m getting from scholarships. this is super useful, 100/10 will be revisiting come payment time
@Martin_Leung
4 жыл бұрын
ayy! glad it helped! don't want to be swimming in that d e b t in the future!
@leonakuo4072
4 жыл бұрын
Martin Leung online school is going to be CHEEEEEAP
@Martin_Leung
4 жыл бұрын
@@leonakuo4072 $ or as in people will be cheating? 😂
@leonakuo4072
4 жыл бұрын
Martin Leung I was thinking $ but I believe the most correct answer would be C) all of the above
@Martin_Leung
4 жыл бұрын
@@leonakuo4072 how about d) none of the above
@lenyarbado6918
3 жыл бұрын
Yes. Please... You should do a lot of videos like this! really helpful. Thank you so much for sharing your knowledge!
@Martin_Leung
3 жыл бұрын
Thanks, glad to hear it helps:)
@simmik147
4 жыл бұрын
Thank you so much for these videos, I’m a senior and these are really helpful! :)
@Martin_Leung
4 жыл бұрын
Glad it helped! Thanks for watching :)
@trinhk
Жыл бұрын
Very informative, thank you!
@Martin_Leung
Жыл бұрын
Glad it was helpful!
@Robloxgirl532
Ай бұрын
Great video- very informative
@ballislife6483
2 жыл бұрын
Hope you can answer this question for me. How do I use the monthly payments towards OSAP to build up my credit score. I heard CTFS is the only credit card that can pay off student loans. I dont want to just do preauthorized debit
@joeysoto6514
3 жыл бұрын
THANK YOU SO MUCH FOR THIS UR GREAT
@Martin_Leung
3 жыл бұрын
ty:)
@gurjitmahant3521
3 жыл бұрын
Hi, do you know how OSAP interest can support tax returns? Can paying the debt slowly, assist you when filing for your taxes?
@Martin_Leung
3 жыл бұрын
not 100% sure, but I'm pretty sure the answer is yes
@7LamarOdom
4 жыл бұрын
interest DOES build up and accumulate literally the first day after you finish study period ends. check your nslsc i finished in 2019 april may 1st, $~5 interest accumulated for the entire summer 2019, $1000 of interest ALONE accumulated when the six months were up, then and only then could i apply for the RAP luckily corona is also helping with the stoppage of interest
@Martin_Leung
4 жыл бұрын
You're right, pay it ASAP to the best of your abilities!
@kellyhou9594
3 ай бұрын
Great video! Would you be interested to do another updated version? Since some regulation might have changed.
@moin7427
3 жыл бұрын
I tried calling OSAP, NSLSC and Alberta student loans but every single one of them tells me to contact the other loan providers to get more information. I took OSAP but dropped out because of the financial situation, my grants converted to loans but aren't added to my principal on NSLSC. I want to know that can I get loans from Alberta if I pay back my Federal part of Loans and Grant overpayments, I called the financial advisor at my previous college and they said that they're not sure but they think that I will be able to apply for Alberta Student loans and OSAP won't effect that funding. Any person with the same situation or anyone who's been in a similar situation? I need information, Please.
@hanar.563
3 жыл бұрын
So like, I dropped out but I don’t know what to do from here. I was two months in
@Martin_Leung
3 жыл бұрын
aww dang, I hope you find something else to do in the meantime! if you're asking about OSAP, you'll be notified about what happens to your loan/grants.
@hanar.563
3 жыл бұрын
@@Martin_Leung thank you 😊
@toukendanshiwarrior2846
2 жыл бұрын
Quick question: do I need to write down my documents in all CAPITAL LETTERS in boxes?
@Martin_Leung
2 жыл бұрын
don't think so
@biyapovictoria229
3 жыл бұрын
Hi,... Martin's thanks for the video.... what are the best investments I can get to help ensure that it generates enough profits to be able I will be able to pay back my student loan early.
@Martin_Leung
3 жыл бұрын
I'm not a financial advisor so I can't really say (don't want to be liable because no investments are guaranteed). Do your own research
@harshwalia6625
3 жыл бұрын
great video
@Martin_Leung
3 жыл бұрын
thanks!
@edgarmendozalopez3314
3 жыл бұрын
Hey guys, OSAP took so long to pay for my second term in college, and I had to pay for it. The issue is that the money that they had to send me, they send it to college to the fee I already paid. What do I do?
@Martin_Leung
3 жыл бұрын
it's going to be in your account as credit, so you won't have to pay as much in your next term of study
@hamoohummo5407
4 жыл бұрын
what if your parents already have a pending bank loan background. are you eligible for the Canadian loan?
@Martin_Leung
4 жыл бұрын
Yes, you are still eligible for OSAP if you meet the other requirements that are listed in the video!
@soroushrezazadeh8300
3 ай бұрын
Hi thanks for your awesome videos. How much osap will give me for a two years college full time aircraft maintenance? Thank you ❤
@aliazam7100
3 жыл бұрын
Hello,, thank you for your time your video is really helpful... I have 2 question, is my TFSA will effect my application for OsAp? ,,, Socend question is there any other Grant can we get from the Government... I am PR. Thank you again.
@shayanmalik8777
Жыл бұрын
1 question, for grants, Since I dont have to pay them back, Am I allowed to you know, spend the money on food or trains etc... Ive been searching for answers but never found one.
@Martin_Leung
Жыл бұрын
yeah for grants you don't have to pay it back. If you don't have your bank account linked to your student portal (aka your OSAP doesn't automatically get applied to your tuition) then you're free to use your grant (it's just a question of how good you are at managing your personal finances at that point)
@patrica4307
4 жыл бұрын
If the im taking more than the 100% course load do I still put 100% or can I put 110, 120% etc
@Martin_Leung
4 жыл бұрын
Hey Patrica! I'd ask your school about this because I'm no expert in this field, so I don't want to give you the wrong information. I'm just giving what I know about the OSAP application in this video 😅 Sorry, but I hope you understand! Good luck!
@ramkimca
2 жыл бұрын
Is it mandatory to sign MSFAA for the undergraduate student in Ontario? I heard that it has to be only for masters (graduate) student?
@katechipata9934
3 жыл бұрын
My mother paid off her OSAP one year after she graduated 😄 Question: should I apply for OSAP for a one year program? I plan on applying for it tomorrow - the program is waitlisted at George Brown, do you suggest that I apply for the same program at 2 other Toronto colleges?
@Martin_Leung
3 жыл бұрын
Apply for OSAP if you can pay for it!
@albatrapstar9030
8 ай бұрын
@@Martin_Leung what happens if you can't pay for it declare bankruptcy? lol
@mithul6170
10 ай бұрын
Hey man. Nic e video. I was trying to get admission for 4 years bachelors degree I was wondering which amount shown in the estimators calculator in OSAP website will be receiving to my bank accouNt ? And the total living and travel allowance shown there, is it for per term or for an year ?
@itzoyoomar5789
4 жыл бұрын
Do you have to pay back the OSAP that u accumulated in an undergraduate program while attending grad school like Medical school for example?
@Martin_Leung
4 жыл бұрын
From what I understand, the osap loan is interest free for graduate programs (med school included.) However, if you're in residency or fellowship then the interest free status does not apply. Check this for more details: osap.gov.on.ca/prodconsumption/groups/forms/documents/forms/tcont003388.pdf Hope that helps!
@itzoyoomar5789
4 жыл бұрын
@@Martin_Leung thanks so much, luv ur content btw!
@Martin_Leung
4 жыл бұрын
@@itzoyoomar5789 thanks for watching :)
@annampetrosyan
3 жыл бұрын
Can you plz explain two things I was out of high school for four years (but I graduated and went to uni in another country) OSAP considered me a dependent student when I answered ‘yes’ to the question whether I was out of school... do they mean dropping out or just out of school in general And also, I have two siblings who go to high school are they considered dependent children? Thank you!
@Martin_Leung
3 жыл бұрын
I'm not sure about the first question, but as for the second one they are considered dependent children (unless they're somehow living away from home with a full income)
@annampetrosyan
3 жыл бұрын
@@Martin_Leung ok thanks! So it doesn’t matter that both the mom and dad are the same right? Cuz I read somewhere that it does and got confused
@nathan-dallasblackburn4053
4 жыл бұрын
I have recently applied for OSAP for the summer semester and I'm currently waiting to be accepted. Since the deadline for tuition is May 19 for the summer semester and I probably wont be processed by then should I leave my tuition payment in student center "blank" until my funds are processed and sent to the college by OSAP?
@Martin_Leung
4 жыл бұрын
Hey! I responded to your email. Thanks again for watching!
@leahabellanosa
Ай бұрын
Hi Martin! I'm just trying to understand why the loan is bigger than the tuition fee. Do you know why this is?
@Martin_Leung
Ай бұрын
other living expenses
@sheemontochicken9441
3 жыл бұрын
Hey I'm a resident of saskatchewan outside of Ontario and I haven't loved in ontario for 12 consecutive months will I still be eligible for osap or will I have to apply for student loans from the saskatchewan government
@Martin_Leung
3 жыл бұрын
If you aren't considered an ontario resident, then you should look to alternative methods of funding
@anjuthomas2726
Жыл бұрын
Hai I am trying for osap..but I want to know in between between study can we work ,there is any limit in hours or income?? If we have house loan here is it effect the osap???
@JintuMathew-sr3lo
Ай бұрын
If I have consumer proposal, can I apply for OSAP?
@shirleylamtoribio7606
Жыл бұрын
Can you please help me out i I am literally feeling a bit like ive been F***over by my school but as well as student loans canada for not doing anything about it to be on my side and not helping in any way
@calencei
3 жыл бұрын
can u make a video on what happens if u graduate with alotta loans owing but you have a disability
@jeremywestwood3769
4 жыл бұрын
hi, what about under a consumer proposal.would you possibly got approved by osap?
@Martin_Leung
4 жыл бұрын
I don't think there's anything that says you can't apply for OSAP under a consumer proposal, I think you will be approved on a case by case basis though (so no guarantees!)
@neru......
3 жыл бұрын
Does grant use to pay tuition too? Or I can use it to other things?
@Martin_Leung
3 жыл бұрын
yes, and yes (pretty sure you'd have to change to autodeposit in your bank account or they will automatically put your funds towards paying your school tuition)
@jagdeepsran9087
Жыл бұрын
Question- for grace period of 6 months no internet rates? If I pay my loan within grace period then no interest?
@Martin_Leung
Жыл бұрын
grace period is for the Ontario portion of the loan. Interest will be charged for the federal portion
@Itsme-cc8lf
2 жыл бұрын
Does CESB still pays even if we start our uni on 2023 of sept
@williamshart6228
Жыл бұрын
Got funded my grant thanks to andrew_garcia7142
@mithul6170
10 ай бұрын
Is it possible to get a bursary from university if I have an OSAP loan ?
@yunyinghuang7415
4 жыл бұрын
In the OSAP application, it asked for foreign income and non-taxable income. The detail asked about interest, dividends or capital gains from TSFA, but we don’t know how to see the interest, can we omit that?
@Martin_Leung
4 жыл бұрын
It's your responsibility as an applicant to disclose this information, just because you don't know how to find it doesn't mean you can omit it. Look for your T-slips for that information or find someone who knows how to find this info. Hope that helps!
@yunyinghuang7415
4 жыл бұрын
Martin Leung Thank you
@tiinaiiceey
4 жыл бұрын
I applied for repayment assistance every 6 months and i don't get charged interest. I also am in phase 2 so the goverment helps makes payments to my loans
@Martin_Leung
4 жыл бұрын
good luck with your loan repayment! :)
@jaallick
4 жыл бұрын
Hey does the phase 2 impact your credit score negatively?
@tiinaiiceey
4 жыл бұрын
@@jaallick because i was not able to make regular payments to my loans for so many years. It was sent to collections amd i wasnt making any payments on that either for many years until i learned of the repayments assistance program. I wouls say for 5 or 6 years i either had no job or a job that paid very little so my repayment amount was zero and becauase for that amount of time i didnt make a single payment.... they put me in phase 2 where the gov paid off my interest and principal. So i have never made a payment and i just reply for RA every 6 months. They ask for proof of your paystub to prove your income. Your income will determine if you owe a payment on a monthly basis or not. For me my payment was determined to be 0 each month. For each person it's different. But I have never had to pay anything towards it in in 10 years.
@jaallick
4 жыл бұрын
@@tiinaiiceey thank you so much for the information.
@ErinReviews
3 жыл бұрын
I'm looking into going to college in fall 2021 but I'm worried about getting OSAP for the term because I am from a low income family and I already have crappy credit so I don't know if it's worth it.
@Martin_Leung
3 жыл бұрын
look for scholarships/grants/bursaries first, and then see if you can find a cheaper program. If you've already done all that, then ask yourself if you really need college, if yes, then you're probably going to apply for OSAP
@Martin_Leung
3 жыл бұрын
I feel like as long as you keep your expenses minimal and prioritize paying down the loan at the end, then it shouldn't be a big deal
@xoshawarmz
3 жыл бұрын
Hi, will investing in stocks and day trading affect my grants in the future if I'm a dependant?
@Martin_Leung
3 жыл бұрын
Unsure, I got a bit less but still got some funding
@Martin_Leung
3 жыл бұрын
Sample size n = 1 though
@arshpatel6040
3 жыл бұрын
Do you apply for OSAP before you uni starts or While your in uni. Do you need to apple for OSAP every year.
@Martin_Leung
3 жыл бұрын
You can do either, as long as it's a week before your year ends. You need to reapply every year
@HinaShazli
Жыл бұрын
Does credit rating effect osap amount?
@canadianhustlers
4 жыл бұрын
How do you pay your tuition in the beginning of course as osap comes much later (60 days before course end)?
@Martin_Leung
4 жыл бұрын
The deadline is 60 days before the course ends but you can apply much earlier than that. For example, if I were to start school in September, I would apply during the summer (though the deadline is much later). In my case, I applied before my school year started and got funding in September. Sorry if I wasn't clear on that! Thanks for watching!
@canadianhustlers
4 жыл бұрын
Thanks for clarifying..very helpful...i went to osap website..they are currently saying to come back in spring for academic year 20-21...my course is starting in sept 2020 at university of Toronto. I have 2 questions. 1. When will osap allow me to apply as right now the estimation tool is only giving results for acad year 2019-20 2. Will osap (grant+ loan) cover full tuition cost? Will be grateful if you can answer these. I have the capacity to repay immediately after my school is over (+grace period) and hence i want to take osap so that my outlay now is limited
@canadianhustlers
4 жыл бұрын
Sorry to bother you so much. I know very less about osap
@Martin_Leung
4 жыл бұрын
@@canadianhustlers I'm not so sure when you can apply for the next school year, I know that late June is the recommended date to have your documents in (so it should be soon if you're having trouble accessing the application. How much OSAP loans to you depends on a couple of factors. Your income and assets are a couple of factors (so it varies from student to student). For me, it was enough to cover the tuition costs. Also, have you applied for CERB?
@Martin_Leung
4 жыл бұрын
@@canadianhustlers don't worry, it's a complicated system that not many people know of, I had links in the description for more details
@abdussalam182
2 жыл бұрын
For a foreign student applying for osap outside of ontario, is the loan going to be deposited into a canadian bank account or can foreign bank account also be used?
@Martin_Leung
2 жыл бұрын
I believe they can actually send it straight to your school as a tuition payment if you are worried about banks
@urvishelat4987
3 жыл бұрын
U mentioned your parents paid for your education, then how did u receive the osap then? Don't they pay your uni directly?
@Martin_Leung
3 жыл бұрын
My parents paid for my education (without the OSAP money), we can still get OSAP even if we don't use it to pay for the tuition directly with the grant/loan
@Martin_Leung
3 жыл бұрын
lmk if you need more clarification
@sunnieshen6350
2 жыл бұрын
如果是已婚家庭,申请osap 会不会查存款?
@mr.vwalangjowa6659
4 жыл бұрын
How much should I have in my savings account before applying Osap? Plzzz help me
@Martin_Leung
4 жыл бұрын
Hey! there's no definite number I can give you, just do the best you can and save as much as you can. I had around $5,000 before going to school and I don't spend much out of pocket! Budget accordingly and you won't have much to fear! :)
@sumithj
3 жыл бұрын
wher we can get Line 150,308,310,312,435 from 2019 income tax assessment
@Martin_Leung
3 жыл бұрын
All on the T4
@alimustafa-abdella1147
4 жыл бұрын
why would i pay off the debt if the stock market brings in 7% return and the interest rate is 3.5%. I can make money by not paying off the debt. now id be making a free 2.5% on the money if i just did the minimum payment.
@Martin_Leung
4 жыл бұрын
Hey Ali, this is a good question. The 7% return of the stock market is an AVERAGE, there will be years where the market will be down 10%, 20%, maybe more (possibly for an extended period of time when the economy is poor.) On the other hand, the interest rate on the loan will pretty much be there all the way through. So if you were put in a situation where you happen to be strapped for cash when the economy is poor, then you may be forced to sell at a loss to pay an ever compounding amount of debt. You do make a fair point though, just make sure you have enough cash sitting around to make minimum payments almost indefinitely if you were to do this (I'd do this myself, since the market does return more than the interest on the loan.)
@Martin_Leung
4 жыл бұрын
*forgot to mention, I said that it'd be fair for MOST students to pay off the loan because MOST people do not know to invest in the stock market and have a spending problem. If this is not you, and you save enough money, then you're fine using this loan as leverage. Hopefully that clears things up!
@rowenahawlitzky9203
3 жыл бұрын
good topic but the the background music is annoying
@Martin_Leung
3 жыл бұрын
lol thanks
@kennethrivera373
3 жыл бұрын
right now im in the free psw course..osap give me a grant and a loan.. should i take the loan im thinking i cn use it for something else.what do you think?
@Martin_Leung
3 жыл бұрын
as long as you know what you're doing with the money (if you can get a return, then sure)
@kennethrivera373
3 жыл бұрын
@@Martin_Leung thanks for the response
@GBustaX
3 жыл бұрын
I have a question please, can the international students apply for OSAP? Thank you very much
@Martin_Leung
3 жыл бұрын
International students cannot apply for OSAP. You may need to ask the college or university directly for financial aid (from their financial aid offices). Hope that helps!
@GBustaX
3 жыл бұрын
@@Martin_Leung thank you very much 🙏💕
@ahmedsalih1216
3 жыл бұрын
Did the grants only can pay for the all course in the year or i have to take the loan too (for example if my uni was 9000 per year how much will be the grant and the loan )
@Martin_Leung
3 жыл бұрын
the grant and the loan will be different based on how much your program costs, your parents' income, and various other factors. Sometimes the loan + grant will be enough to pay the tuition + living expenses (most of the time, the grant by itself will not cover everything).
@Martin_Leung
3 жыл бұрын
if you don't have enough to pay for school, then take the loan (and make a plan on how you'll repay it ASAP!)
@ahmedsalih1216
3 жыл бұрын
The grant only can cover the tuition fees
@Martin_Leung
3 жыл бұрын
@@ahmedsalih1216 it's fine to take a loan, just keep in mind that you have to pay it 6 months after you're done your undergrad/school so don't go spending money on expenses where you can cut back on
@stankogalniceanu3981
4 жыл бұрын
is there any way I can obtain a scholarship to cover the cost of the ENTIRE program and graduate with NO debt? I would classify as a very low income student and I really do not want to get into debt, especially for post secondary education. My mom has a work disability and my total family income is only about 55,000 dollars yearly. Are there any actual scholarships that can give me upwards of $40,000.
@Martin_Leung
4 жыл бұрын
Yes, you would have to look for these scholarships either on your school website or other scholarship websites for that! Another thing is bursaries, which are grants for disadvantaged students! Look into those and see what you can get!
@stankogalniceanu3981
4 жыл бұрын
@@Martin_Leung cheers boss
@Martin_Leung
4 жыл бұрын
Best of luck!
@AlxD03
3 жыл бұрын
Do you have to report OSAP your summer job income?
@Martin_Leung
3 жыл бұрын
osap.gov.on.ca/dc/PRD6672457
@harishmasharang2667
3 жыл бұрын
Hiii.. plz reply.. OSAP will fund for online bootcamps like career foundry ??????
@Martin_Leung
3 жыл бұрын
I haven't had experience with this so I can't say for sure. However, I don't think it does.
@yunyinghuang7415
4 жыл бұрын
What do I do after I submit the OSAP application?
@Martin_Leung
4 жыл бұрын
There will be other documents that you are required to submit, OSAP will give you the instructions for this!
@supercalifragil7574
Жыл бұрын
Hello: Great and interesting idea. So, now I got it; before to saw this video and I'm sad and scared. Help me pls
@yunyinghuang7415
4 жыл бұрын
What should I do for the RRSP question on the application? My parents bought it, but it’s not mine.
@Martin_Leung
4 жыл бұрын
Hey! To clarify, do you mean RESP? Since if it is an RRSP, it is not required on the application. Hope that helps, thanks for watching!
@yunyinghuang7415
4 жыл бұрын
Martin Leung It really asked for RRSP, and I can’t find RESP anywhere.
@Martin_Leung
4 жыл бұрын
@@yunyinghuang7415 As long as it's not contributing money into your own RRSP then you don't have to put any number down so you can say "no". I know I had space in my RRSP but I never put any money in it so I just put no. Clarify with your parents to see if they put any money in your rrsp, if not then you can just put "no". Hope that helps!
@yunyinghuang7415
4 жыл бұрын
Martin Leung What about RESP, I can’t find it on the application?
@Martin_Leung
4 жыл бұрын
@@yunyinghuang7415 OSAP is not concerned with your RESP amount
@AuraLampCo
2 жыл бұрын
Question; Can grade 11 apply for university loans ?
@Martin_Leung
2 жыл бұрын
if you're *enrolled in university
@nadav6782
3 жыл бұрын
OSAP offers grants too, right? And you dont need to repay those
@Martin_Leung
3 жыл бұрын
yes, correct!
@nadav6782
3 жыл бұрын
@@Martin_Leung if I am a Canadian citizen but I have never resided in Canada, I am not eligible for OSAP right? But I will be in my 2nd year of studies?
@Martin_Leung
3 жыл бұрын
@@nadav6782 I believe you can get an appeal if you haven't lived in Ontario for a full year, look for OSAP contact info on their website
@nadav6782
3 жыл бұрын
@@Martin_Leung okay thank you so much!
@Martin_Leung
3 жыл бұрын
@@nadav6782 good luck!
@yunyinghuang7415
4 жыл бұрын
What does it mean when the application asks for course load?
@Martin_Leung
4 жыл бұрын
Hey! If you're 60%+ full course load then you're full time. Full time being 5 courses per term, hope that helps!
@yunyinghuang7415
4 жыл бұрын
Martin Leung Thank you.
@Martin_Leung
4 жыл бұрын
@@yunyinghuang7415 glad I could help!
@liamistil2749
3 жыл бұрын
Does working part time, before osap, effect it
@Martin_Leung
3 жыл бұрын
I can't say for sure, but I don't believe small earnings from working part time does much (you will probably still receive funds unless your family has sufficient income)
@liamistil2749
3 жыл бұрын
@@Martin_Leung thank you
@zubair3302
4 жыл бұрын
Can I cancel OSAP application and reapply?
@Martin_Leung
4 жыл бұрын
Hey, I'm pretty sure you're allowed to do it as long as you get it in before the due date!
@SenorM2867
4 жыл бұрын
Make the credit score video
@Martin_Leung
4 жыл бұрын
alright! look forward to it in the coming weeks :) thanks for watching!
@336kp
4 жыл бұрын
That's interesting, I want to save 💰 to buy lobster tails. I paid up my student loan in stone 10 years with 10.95% interest rate.
@Martin_Leung
4 жыл бұрын
We're kind of lucky with how low interest rates are right now. Also, I'd rather you buy L LOL
@Martin_Leung
4 жыл бұрын
oh, and how are we even going to cook that?
@gladischan8841
4 жыл бұрын
Martin Leung good idea. Can’t loss with L LOLOLOL
@jianweizheng1136
4 жыл бұрын
HI .I have finished my course (Accouting ,Payroll &business A dministrator)in May this year.(MAY 1st 2020).de During the epidemic,i can not find job for me,and i need take care my child .so i want to continue my education take online in September,2020. I want to go to Seneca to continue my study.I want to apply General Arts - English for Academic Purposes (GEA) (Ontario College Certificate) ,Can i apply OSAP again September 2020?
@Martin_Leung
4 жыл бұрын
Hi, you can apply for OSAP as long as you're enrolled in school (so yes!) Also, apply for CESB if you haven't yet! Good luck! Hope you can make ends meet! 😄
@jianweizheng1136
4 жыл бұрын
Martin Leung thank you for your help. But my accouting course already apply OSAP. I want to apply to osap September again. Can I?
@Martin_Leung
4 жыл бұрын
@@jianweizheng1136 if the schooling is in a different term (Fall 2020 vs summer 2020) then you should be able to
@jianweizheng1136
4 жыл бұрын
Martin Leung it is different term. But it is same level certificate, and different program.
@Martin_Leung
4 жыл бұрын
@@jianweizheng1136 should be fine as long as it is in a different term
@yunyinghuang7415
4 жыл бұрын
I got my osap funding, but it is significantly lower from my estimation. Is their a way to contact someone about this. My friends also have lower-than-expectation funding, why is that?
@Martin_Leung
4 жыл бұрын
I don't think there is a way to contact someone about this. It's because estimates are estimates, I don't think there is any other particular reason. Hope that helps!
@yunyinghuang7415
4 жыл бұрын
Martin Leung Thank you.
@Martin_Leung
4 жыл бұрын
@@yunyinghuang7415 glad I could help!
@godofdestruction3446
3 жыл бұрын
Do I apply for osap or university first ?
@Martin_Leung
3 жыл бұрын
university
@Martin_Leung
3 жыл бұрын
you have a lot of time to apply for OSAP
@mostafalazkani3990
3 жыл бұрын
Hello martin i am a Canadian citizen living out of canada i've never been to canada before.I coming to western university next month i wanna ask you a question: are 3000$ enough for me to study and live in canada ??
@Martin_Leung
3 жыл бұрын
there's a lot of information that I don't have to answer this question with (ie is your tuition paid, how much external funding you have, what your rent is). So if you only have $3000, then no (unless everything is paid already and $3000 is just for your personal expenses)
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