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When should I repay loans?

I am currently in my first year of political science studies. I have received a very generous amount of loan money from OSAP but I quickly realized that I didn't need it. I have been working during so I would rather just pay with my own money. Should I just repay OSAP now and if I do, will it affect the amount of grant I receive next year? Will OSAP take into account the money I have in my bank account? Or should I clear it all? 
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Dating: Long Distance
PLEASE READ! Long distance relationships are not what they are portrayed to be. They are not as hard, emotionally draining, or as impossible as people assume. Right now, I am living 3 hours away from my boyfriend (who plays a varsity sport). We see each other once or twice a month. We are both happy, both with room to live our own lives but always being able to catch up at the end of the night. We still love each other, nobody has been unfaithful, and it is relatively easy. The time we spend together is always quality time, and I do not regret staying with him.If you love someone and think you they could be the person for you, go for it. The worst that could happen is that it doesn't work out and you part ways. It is entirely possible, do not give up just because of what you THINK might happen.

Pros of a long distance relationship...
1. The time you spend together is really exciting and precious
2. You have the freedom to be yourself and make friends on your own terms
3. You always have lots to talk about with your S/O because you're apart during the day
4. It tests whether the relationship is really worth it
5. Meeting their new friends means more friends for you!
6. Sex/physical intimacy is so much better when you've been waiting for it
7. It will show you how much your partner really values you
8. You don't need to pick between your friends and partner during the week
9. It helps keep you focused

I hope that this helped anyone that needed to hear it.
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Yconic Sold to Data Gathering Company
So I noticed Yconic has been getting worse and worse over the past couple months. Links literally don’t work, all the info seems out of data and loads of other problems so I decided to do some Googling and may have found the answer.


It turns out Yconic sold to Canada largest company for polling and market research. I always wondered how much Yconic was selling my data, well now I don’t since it is owned by a company whose only job it seems is to get information from people and sell it to other companies.
AMA: Brock BAcc Graduate, Carleton MAcc Graduate, Big 4 Employee
My name is Neal, and I graduated from Brock's Bachelor of Accounting Co-op program in 2016 and Carleton's Master of Accounting program in 2017. I was a yconic Student Ambassador for 2016-17. Although I work full-time at PwC now, I'm still around answering questions about accounting as a career and universities. 

My co-op work experience includes:
-Corporate Accounting, Henkel (Germany)
-Assurance and Tax, Collins Barrow
-Risk Assurance, Ernst and Young

I currently work at PricewaterhouseCoopers in Assurance. . 

A snapshot of my time at Brock:  
-Served as an executive for several clubs  
-Participated in numerous internal/external case competitions and conferences  
-Served as a Tutorial Leader for Brock's first-year Macroeconomics course  
-Inducted into Beta Gamma Sigma (the top 10% of Goodman get invited)  
-Did co-ops and internships with 3 different companies in corporate accounting, assurance, tax and risk assurance located in Germany and Canada  
-Participated in a short-term exchange to France  
-Volunteered for the business school's Career Services office, where I critiqued students' resumes  
-Lived in residence (first-year) and off campus

A snapshot of my time at Carleton:  
-President of the Sprott MAcc Society  

Feel free to ask me questions below! Or you can add me on LinkedIn if you'd like to send a private message (https://www.linkedin.com/in/nsengupta).
Applied late to osap
Hello guys, I just started my first year at York university for Biomedical sciences for fall/winter term.
I applied for OSAP on July 30th. It was my fault that I didn't know the recommended deadline to apply for OSAP was on June 30th. So far, all the documents are approved and my current status says my OSAP funding has been calculated but says the payment is on hold because they need confirmation of enrollment.
So I have couple of questions regarding this:

1. Did I apply REALLY late for OSAP?

2. How much time does it take for my school to send confirmation letter to OSAP? (i know it takes 15 days but I want to know how much it will actually take since i applied to OSAP late)

3. Will i get my fund before October 10th? (because that is my fee payment deadline).

4. Will OSAP cover the overdue charge applied on my statement? (I have interest charge of 1% on my student account statement because i couldn't pay the fees on the first deadline, that is, on September 10th)

5. Just to make sure, My school will send the confirmation letter on their own right? Or do I have to send a request or something to financial aid office to release my confirmation of enrollment letter?

6. Has anybody had this kind of situation or know anyone that went through this? I would like to know how they managed to resolve this problem.

7. My estimated release date for first installment shows Sept 4th-Sept6th. But since nothing has been released these dates doesn't have any relevance now right? Or should I contact the NSLSC?

 P.S : I wish i would get my OSAP funding before October 10th because If I don't I will get interest charge again. I'm really scared, please help me out if you know answers for above questions. Let me know if i missed something above that may help you answer my concerns.

Thank You guys : ' )
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Haven't gotten osap money yet help!
I went on nslsc's website and they said my grants were disbursed to me on august 31st and sept4th but I still don't have it...  I tried calling them but it was useless because their phone line is just a bot giving out useless suggestions.

I also opted out of the loan option but on the website it says the loan has also been disbursed to my bank account.....

help, idk what to do
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Can OSAP application mistake lead to receiving no funding?
I made a mistake on my OSAP application form and listed myself as a Biomedical major instead of the Science major I'm in, and I missed it completely when submitting it.

I just found out that OSAP won't be giving me any loans or grants and I'm wondering if this is because of the application mistake because my predicted grant was almost enough to cover my tuition, and yet in the actual calculation, I received none. 

Is there any way to fix this situation? please help and thank you 
osap problems
Okay so the deadline to pay for my tuition is tomorrow, so I used a credit card to pay thinking that OSAP would reimburse me in September (I am receiving a grant) however they just sent me an email saying "your OSAP funding will be sent directly to the University to pay your outstanding tuition and fees". Since I already paid for it with a credit card, I'm not sure what to do....can someone please explain what would happen in a siatuation like this!? Will I lose my grant?!
Osap release
Has anyone ever received their money on August 31st? The expected release is August 31- September 5th. Do you actually receive your money that time?
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Social Assistance and OSAP
Would applying for Social Assistance reduce the amount of OSAP money I receive?
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Help. My uni had this at the bottom of their financial aid page
"Course load does not match application- unable to confirm enrolment/OSAP funding"

I don't know what this means, my first term has a 60% course load and 80% for my second. I think my osap application says a 100% course load. what do i do? I'm freaking out here.
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Do I have to mail my MFSAA form even though I've already completed it online? People are telling me different things and I'm super confuse
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Applied for OSAP a week late
I applied for OSAP a week late (first week of July), will there be any problems for me?
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OSAP Question :/ ?
My parents make about $25,000 and I recently applied for OSAP. After applying the estimate was I keep $6700(grant) and pay back $4500(loan), total $11,200. I thought I would be eligible for free tuition but according to the website I have loans. The other calculator said its free because income is less than $50,000. 
I'm super confused, how will I know if my tuition is free? am I going to get an email or message in September?
I don't mind if I am paying back, I just need to know how much I should make and find a job because I don't want to stress my parents out, they're already in financial trouble and do so much for me. If I'm paying back I need to change my schedule so I work more days and pay my fees by myself. Or is tuition not fully free and you pay loans no matter what? I really dont know how osap works..: please lmk if you know anything :)
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What is a scholarship worth?
Hoping someone knows what the "standard limited exemption" is for the 2018/2019 school year.  I know last year it was $1,800.  All award money over that was used as a resource and went to help the Ontario government. 

For the young person who feels dumb, I gave up a management position after receiving a large scholarship.  Took filing a complaint with the Human Rights Tribunal to find out scholarships from Native Bands are not "true scholarships".  This one paid for tuition a few fees and $800 in books.  At the time (2009-2014) a student could only have $3,300 which included both award and employment income.  At least now students get to keep $1,800 of their award.  I ended up homeless the first year and fighting evictions while trying to get Lakehead University to explain why they were ignoring my Mothers Bands intention that those funds not be used for loans and grants.

That was in those years they were not convinced it had to be government funds "since it came from a Native Band".  Government funds are used 100% as income so worthless to the student.  I was a grown man on OSAP without the scholarship that I thought would have provided a financially secure education, jokes on me and the Band who got ripped off of $18,000 the government of Ontario saved on grant money.   That scholarship is no longer offered here since it took disclosure in my claim for the Band to understand the student does not receive those funds in Ontario.

This scam obviously puts students lives at risk if they don't know how much of the award they will receive so hoping someone can tell me this year and I can warn students before they end up homeless.  Highly doubt those that gave memorial scholarships and awards had any intention of those funds going to the Ontario government either.
On my OSAP application, it says there is a discrepancy between my basic personal information and records on file. Being the dumb person I am, I entered my preferred name instead of legal name. In addition, I haven't been able to upload my consent forms as the information stated is incorrect (ONLY MY NAME). I contact the financial aid office at my school but they didn't know how to deal with my problem. However, they recommended me to contact the student awards office. I'm unsure of how long they'll take to respond. Can anyone assist me in fixing this problem? Who should I contact to solve this ASAP?
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Questions about OSAP, LOC, Summer Income
What happens if I made more money than estimated during the summer session on my summer Osap application? @osapquestions
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Wrong graduating date osap
I put the wrong graduation date for OSAP, as July 2018 instead of June. Will this affect?
My parent's have completely cut me off and as a result I am completely financially independent. I still live with them, but I pay taxes to do so, in addition to paying for all of my expenses. As a result, I am not in the best place financially and will be moving away for school in September.  I took a year off school to save up money, but with not being able to work full time and the added cost of tuition i'm really nervous about not being able to afford school. My dad makes a lot of money and because of it I don't get that much in financial aid. Is there any way I can get OSAP to take that into consideration? From what I read you either have to have documented proof that your parent's don't support you (which I don't have)  or not be living with your parent's before school (I can't get an apartment for only two months). I understand if there's not a way because then everyone would say that and try to get more financial aid, but if anyone knows a way I could get them to take my situation into account that would be greatly appreciated!
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Ask me anyting
I just completed my first year at the University of Toronto - Mechanical engineering. I remember going through yconic regularly even after my offers were out, it was a very helpful resource. I would be happy to help out if anyone has questions.
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How do you upload OSAP documents online
They say that uploading documents is the best option but I’m not sure how do upload my documents online If need to sign them? Do I upload a picture or what 
Could I use the pen option on my ipad and sign the documents and then upload them that way? 
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Need help with OSAP
I just changed my Major at Ryerson to Business Management and I was just wondering if I need to call OSAP to apply for it again for a new program.
How does OSAP know which bank account the money will be deposited in?
I just completed the application but OSAP never asked for my bank account info so I'm confused on how the money will be deposited??
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osap application for 2 programs at the same university
i have accepted an offer of admission to ryerson and i am on a wait list for another program at ryerson can i apply for osap for both? if i accept the wait list and withdraw the acceptance does osap transfer to the wait list acceptance?
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What's the deadline to apply for OSAP for 101 applicants?
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