submit all required documentation is six weeks prior to end of term. Part-time applications must be submitted term-by-term. Ontario Student Access Guarantee If OSAP doesn't cover all of the expenses that directly relate to a student's program (books, tuition, mandatory fees), and they still require additional financial assistance, public colleges and universities in Ontario are required to provide financial help. This money could include: bursaries scholarships work study programs summer employment programs Financial Aid Offices Students should visit the Financial Aid Office (FAO) at the college or university they plan to attend for more information about OSAP, the Ontario Student Access Guarantee and other financial aid questions. Students can find a list of FAOs at Ontario's public colleges and universities online. Exceptional circumstances The OSAP assessment may not reflect exceptional circumstances some students may have. As a result, a number of reviews have been developed to allow students to provide additional information regarding their specific circumstances. To learn more about the review process or to initiate a review, students can contact their school's financial aid office. OSAP review forms: Students will often have to complete OSAP review forms to explain these exceptional circumstances. Some forms will need additional verification from a parent/guardian or physician. Repayment For the first 6 months after graduation, finishing studies, or no longer being a full-time college or university student: no loan payments are needed interest is charged on the Ontario portion of the student loan interest will not accrue on the Canada portion of the student loan This is a 6-month grace period. Recipients of OSAP can expect to start repaying their loan at the end of the 7th month after they leave school. Grace Period Extensions If a student has recently completed their studies, they can apply to have their grace period extended for an additional six months through one of these two programs: One-Year OSAP Grace Period for Entrepreneurs: for the owner or joint owner of an eligible new business located in Ontario. One-Year OSAP Grace Period for Not-for Profit Employees: for borrowers working at an eligible not-for-profit organization in Ontario. How to repay OSAP loans Within 6 months of leaving school, OSAP recipients will get a package in the mail from the National Student Loans Service Centre (NSLSC) that tells them: how much they owe their expected monthly payment the total number of payments they will need to make the date of