Every Canadian student question — from "do I qualify for OSAP?" to "how do I pay it back fast?" — mapped to a single page. Real grants, real loan rates, real repayment math.
Ontario's grants + loans · income-based · live calculator
BEFORE SCHOOL→💰Other Student LoansNSLSC, provincial · BC/AB/QC/etc · private LOC alternatives
BEFORE SCHOOL→🏆Scholarships & GrantsThousands available · auto-search · application timing
BEFORE SCHOOL→🏦Student BankingBig-5 student programs · no-fee chequing · best for student
DURING SCHOOL→💳Student Credit CardsApprove with no income/history · build credit while in school
DURING SCHOOL→✅Loan RepaymentRAP · forgiveness · accelerated payoff calculator
AFTER GRADUATION→Yes, but most of it as loans (not grants). OSAP is need-based but never zero. Apply even if you think you won't qualify — many do.
OSAP first (no interest while in school + grants). Use bank LOC only if OSAP gap exists — especially for med/law/MBA.
No. Most student cards approve with no income or credit history. Tangerine Money-Back, RBC Student, BMO Student CashBack all do.
6 months after you leave school (grace period). Federal portion: prime + 0%. Provincial portion: varies. RAP can lower payments.