ODSP & Post-Secondary Education (OSAP) Integration

Attending College or University While on ODSP

ODSP recipients can pursue post-secondary education through colleges, universities, or private career colleges. Funding from the Ontario Student Assistance Program (OSAP) is specifically structured to work alongside your ODSP benefits.

Exempt vs. Non-Exempt OSAP Funding

OSAP funding is divided into educational expenses and living costs:

1. 100% Exempt OSAP Funds

• Educational Expenses: OSAP grants and loans used for direct educational costs—such as tuition, compulsory fees, books, supplies, and disability-related educational equipment—are 100% exempt as income and assets under ODSP rules.
• Bursaries for Students with Disabilities (BSWD): Federal and provincial disability bursaries for equipment/tutors are completely exempt.

2. Living Cost Portion

• OSAP loan portions designated specifically for general living costs (room and board) may be deducted from your ODSP check depending on whether you receive basic needs/shelter support from ODSP.

Full-Time Student Earnings Exemption

If you work part-time or seasonal jobs while enrolled as a full-time student in post-secondary education:

• 100% Earnings Exemption: All earnings from employment or self-employment are 100% exempt from ODSP deductions while you are enrolled as a full-time student!

When applying for OSAP, declare that you are receiving ODSP benefits. OSAP will automatically adjust your loan assessment so your tuition and disability bursaries are prioritized!

OSAP Application Tip