Apply for OSAP for Full-Time Students

Apply for OSAP for Full-Time Students and submit all supporting documentation by the published deadline date.

Video: How to Apply for OSAP

Ten Steps to OSAP:

Step One >

Apply online for OSAP for Full-Time Students through the OSAP website to be considered for loans and grants

  1. Application includes the Ontario Student Grant
  2. Complete the consent to release for a parent or spouse
  3. Mohawk and Conestoga Nursing students apply through their college
  4. MBA students apply one term at a time
  5. Students can apply for OSAP while on a co-op term
  6. OSAP funding will automatically be paid to McMaster on your behalf on a term-by-term basis
  7. Submit your application by June 30 to receive funding in September

Step Two >

Upload your signed Signature & Consent Declaration and supporting documents via the document uploader on the OSAP website

Step Three >

Complete the online Master Student Financial Assistance Agreement (MSFAA) with the National Student Loans Service Centre (NSLSC)

  1. After applying for OSAP, you will receive a Notice of Assessment from the NSLSC, including a 10-digit MSFAA number. You can also find your 10-digit MSFAA number by logging into your OSAP account and going to your “Required Documents” page
  2. You will then receive a welcome email from the NSLSC inviting you to register for an online account and complete the online MSFAA
  3. Register and create an online account with the NSLSC
  4. Verify your identity with the NSLSC
  5. Complete the online MSFAA

Step Four >

Enroll as a full-time McMaster student via Mosaic

  1. At least a 60% course load (40% for students with disabilities) per term
  2. Enrolment in Mosaic must match the course load percentage on the OSAP application for OSAP funds to be released
  3. Check ‘View Financial Aid Applications’ in the Mosaic Student Center

Step Five >

Check your OSAP application status via the OSAP website

  1. Allow 4-6 weeks for processing
  2. Make sure all documents are processed

Step Six >

SFAS completes your confirmation of enrolment (COE)

  1. Expect a Letter of Confirmation to your McMaster email once your COE is completed
  2. Allow 5-7 business days for the funding to be deposited to your McMaster student account

Step Seven >

Check your McMaster student account at the beginning of the term

  1. Provincial and federal funding is deposited separately
  2. Deposits may be 2-3 days apart
  3. OSAP is automatically deposited to your McMaster student account to pay tuition and student fees. Textbook and other Campus Store purchases are NOT covered by OSAP. If any funding is left over after covering your student fees, it will be deposited into your personal bank account.

Step Eight >

Pay your fees to Student Accounts & Cashiers (Gilmour Hall, Room 209). If your OSAP funding does not cover the full cost of your tuition and fees, you are responsible to pay off the balance by the fee deadline.

  1. Fee deadlines and payment options are available on the Student Accounts & Cashiers website

Step Nine >

Complete the Income Update via the OSAP website – this must be done to be considered for McMaster bursary funding. Find important dates for the OSAP Income Update

Step Ten >

Second OSAP installment is deposited at the start of the second term OR submit an OSAP Extension form if applying term-by-term

Full-Time OSAP FAQ

What’s New!


Course load calculator: Not sure about your course load percentage for OSAP? Check out our new guide on how to calculate it! Course load guide (non-Engineering). Engineering course load guide.

Scholarship applications are OPEN: Don’t miss out on this easy money! There are awards for all faculties and programs, all undergrad years and both academic AND community work. Apply in Mosaic by clicking the “Apply for Aid and Awards” tile. Find scholarships under the “Aid By Application” tab. More info on scholarships.  


Quick Links

Apply for OSAP

Register with NSLSC

Apply for McMaster AID



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