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The prime rate is the annual interest rate Canada's major banks and financial institutions use to set interest rates for loans. For more information, visit the Bank of Canada website. The prime rate in Canada is currently 3.95%.
OSAP loans are payment and interest-free while a student attends post-secondary school full time. Students must be enrolled in at least 60%** of a full course load (1.5** academic credits) each semester.
If you're a full-time student receiving OSAP , your loan will automatically be interest-free for your study period once your school confirms enrolment.
If you're a full-time student receiving OSAP , your loan will automatically be interest-free for your study period once your school confirms enrolment.
FALL 2022 TERM ONLY APPLICATION June 30 - Recommended date to submit your Fall-only OSAP application and all required documents to receive your funds at the beginning of the fall term. October 1 - Recommended last date to submit your Fall-only OSAP application and all required supporting documents.
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You will be charged interest on the Ontario portion of your loan during your six-month grace period. This interest will be added to your loan principal (the balance of money you borrow). Between April 1, 2021 and March 31, 2023, Canada will not be charging interest on the federal portion of an OSAP loan.
OSAP loans are payment and interest-free while a student attends post-secondary school full time. Students must be enrolled in at least 60%** of a full course load (1.5** academic credits) each semester.
Graduate or leave full-time studies You have six months after you graduate or leave full-time studies before you need to start repaying your OSAP loan. During this 6-month grace period, you will: not be charged interest on the Ontario portion of your loans.
If you are on a co-op work term, or in school but not taking OSAP for a semester, you must apply for Interest-Free status on your loans. To submit an Interest-Free status form online, log on to your OSAP account.
2022-23 application- The application is available. We may be able to start an application for you by using the school and program information from the applications you completed on ontariocolleges.ca and/or Ontario Universities' Application Centre (OUAC).

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