How much OSAP can you get?

Full-time OSAP is capped by a weekly maximum times the length of your study period. For 2026-27, a single student with no dependants at a public Ontario college or university can receive up to $530 per week of study; a married student or sole-support parent can receive up to $875 per week. Over a typical 34-week school year that's roughly $18,020 to $29,750. Your actual amount is based on your costs and income and is usually lower. This calculator estimates the ceiling and the grant-vs-loan split.

The biggest change: for programs starting on or after August 1, 2026, at most 25% of your provincial OSAP comes as a grant (non-repayable) and at least 75% comes as a loan you have to pay back. Previously the grant share could be as high as 85%. Lower-income students are affected the most, because they qualified for the largest grants under the old rules. The federal Canada Student Grant and Canada Student Loan are separate and unchanged by this.

Yes, heavily. If you're a dependent student, your parents' income is assessed. As a rough guide: families under $50,000 qualify for the most grant money; between $50,000 and $140,000 you get a tapering mix of grant and loan; above $140,000 you're generally looking at loans rather than Ontario grants, though some funding can extend to around $175,000 depending on your situation. Higher income reduces your funding through an expected family contribution.

You're generally a dependent student if you're under 22 and have been out of high school for fewer than four years, in which case OSAP assesses your parents' income. You're typically independent if you're 22 or older, married or in a common-law relationship, have your own dependants, or have been out of high school for four or more years. Independent students are assessed on their own (and their spouse's) income, which often means more funding if you've been working.

Both. OSAP bundles grants (money you don't repay) and loans (money you do) into one application. Under the 2026 rules, most of the provincial portion is now a loan. The loan itself has two parts: the federal Canada Student Loan, which is permanently interest-free (0%), and the Ontario portion, which charges interest at prime + 1% once you're in repayment. Use our OSAP repayment calculator to see what the loan part will cost and how fast you can clear it.

It's an estimate, not a decision. OSAP's real assessment uses detailed cost allowances and an expected-contribution formula that aren't fully public, so no third-party calculator can match it to the dollar. This tool gives you a realistic ceiling and grant-vs-loan split from the published maximums and 2026 rules. For your official estimate, use the Government of Ontario's OSAP Aid Estimator, and apply through your OSAP account for the real number.

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