I'd like to jump on this I hate OSAP train. I am back in school this year working on my BScN. I got denied because I made too much money last year. Not surprising, but they don't ask how much you pay for mortgage or your car. I had to go get an appraisal on my car, even though I don't own it, it's a lease. So would they like me to go sell my car, because according to them if I can afford a car, I should be able to afford tuition. And if I sell my car I will have to get up at 4:45 each day, take a bus from Guelph to Mississauga, then take a bus to Mac cause there's no nursing program at U of G and no direct bus from Guelph to Hamilton. Also, I have previous loans from about 5 years ago and they told me twice at school that I wouldn't have to fill out any forms to say that, that my application would be enough and they would stop taking payments out of my account. Wrong. I had to go back to financial aid and fill out those forms cause the payments were still coming out in October. Total dicks.