Withdrawal & Re-applying for Full-Time OSAP
Withdrawal from Full-Time OSAP
OSAP requires students to remain enrolled in a course load of at least 60% in each semester (40% for students with a documented disability) to maintain eligibility for funding. For most undergraduate students this is 1.5 credits per semester (1.0 for students with disabilities). Course loads cannot be averaged over two semesters.
OSAP’s definition of full-time studies may be different than your University of Toronto faculty’s definition of full-time studies.
What happens if you drop below the required course load
- Your loan repayment will begin 6 months from the date your course load was reduced
- You may be placed on Academic Probation or Academic Restriction
- Your OSAP funding will be recalculated, and you can be assessed with an OSAP overpayment
- You will be restricted from OSAP eligibility if you:
- Have 3 over-payments of $2,000 or more
- Have a total over-payment of $10,000 or more
- If you are in this situation, you will receive information from OSAP about how much to repay
- You will be restricted from OSAP eligibility if you:
If your withdrawal results in a tuition credit, U of T may return some or all of this to your National Student Loan Service Centre account to reduce your loan overpayment.
If you’re planning on dropping below the required course load, please contact us to let us know.
Re-applying for Full-Time OSAP
If you withdrew in the fall term and plan on returning to full-time studies in the winter term, you will need to submit an Online OSAP Reinstatement Request. As part of the request, you will be asked to upload a U of T Academic Progress form (PDF).
Please note: The withdrawal from full-time studies in the fall term means there’s an over-payment in your OSAP account, which will be deducted from the winter term OSAP assessment. As a result, students in this situation may receive little or no OSAP in the winter term.
Deadlines for Submitting Your Request
The final deadline to submit your request is 40 days before the end of your full-time studies for the winter term. However, the sooner you submit the request, the sooner you will receive your additional funding.