Loans for post-secondary education or programs can be applied for by students, and they can seek financial assistance from the National Student Loans Service Center, a funding agency operated by the Government of Canada. To send secure emails, messages, or comments to the National Student Loans Service Center, visit the
Contact Us page.
Students within North America can inquire about general funding and repayment conditions by calling
1 888 815-4514 (Toll-free). Students outside North America can dial
800 2 225-2501 . If students belong to a country without access to the international toll-free number, they can call the Canadian Operator at
0800 096 0634 and then dial
905 306-2950 to reach our collection center.
Service hours are Monday to Friday between 8:00 a.m. and 8:00 p.m., local time.
TTY/TDD
Customer service representatives are available for impaired or disabled students at
1 888 815-4556 .
Students and parents can visit the service office at National Student Loans Service Centre, P.O. Box 4030, Mississauga ON, L5A 4M4, Canada.
Near Me Locations
To find or locate
Nearby Service Centers for student aid programs and benefits, follow the given link.
Ontario Student Assistance Program (OSAP)
The OSAP account registration/login process involves the following steps:
- Register/Login into the OSAP account.
- New students must provide their Social Insurance Number (SIN) to sign up for an OSAP account.
- An OSAP Access Number and password will be provided, which must be remembered for future logins.
- After gaining access, applicants are able to apply for OSAP.
- Details of the school and program must be provided during the application process.
- Applicants can provide their parents' or spouse's SIN along with tax information.
- If the choice of school or college is undecided at the time of OSAP submission, applicants must keep a deadline in mind.
- After submitting the OSAP application, applicants should apply for the funding estimate they need.
- Indigenous students, those with a permanent disability, or current/former Crown wards can apply for additional funds.
- It will take 3 to 6 weeks to receive feedback regarding application forms.
For additional help or information, contact at the following means:
Phone: 1-888-449-4478 / 807-343-7260
Toll-free: 1-877-672-7411
Fax: 1-807-343-7278
TTY: 1-800-465-3958
Hours: Monday to Friday, 8:30 a.m. to 4:30 p.m., excluding holidays.
Ministry Of Education
315 Front Street, 14th Floor, Toronto, Ontario M7A 0B8
416-325-2929 Toll-free:
1-800-387-5514 Toll-free TTY:
1-800-268-7095 Ministry Of Colleges and Universities
438 University Avenue, 5th Floor, Toronto, Ontario, M7A 2A5
416-325-2929 Toll-free:
1-800-387-5514 Fax: 416-325-6348
TTY:
416-325-3408 Repayment Assistance & Forgiveness Programs
Repayment Assistance Plan (RAP)
The Repayment Assistance Program is designed for both part-time and full-time students to begin repaying loans. Students are required to start repaying grants and loans six months after leaving schools, colleges, or universities. Repayment is initiated upon receiving a notice regarding grants or bursary over-payment. If a student can repay grants or loans within six months or before completing their studies, no interest is incurred. The OSAP plan is available to all students, but loan repayment varies based on the applicant's income and family background. For further assistance, contact at
1-888-449-4478 /
807-343-7260.
Forgiveness Program
The Ontario Government, in collaboration with the federal Repayment Assistance Plan (RAP), offers the Forgiveness Program to provide students with additional funds and repayment plans. The National Student Loan Service Center accepts every term of repayment within six months. Full-time and part-time students can benefit from the repayment and forgiveness plans by submitting genuine reasons for overdue payments or non-payment of loans. Students with disabilities will have their remaining debt forgiven after 10 years, while those from low-income or poor family backgrounds can receive debt relief after 15 years. For assistance or information, students or parents contact at
1 888 815-4514 (within North America) or
800 2 225-2501 (outside North America).