2024-2025 Student Resource Handbook

87 osap.gov.on.ca www.consolidatedcredit.ca If your application is received after the first 45 days of your study period, but no later than 90 days before the end of your study period, you will be eligible for OSAP funding from the date your application is received until the end of your study period. OSAP Appeals OSAP uses a standard way of calculating your financial need to determine how much you are entitled to receive. Your situation could not be classified as ‘regular’ and as a result the money you receive may not cover all of your expenses. OSAP Loan Default Students that have previously defaulted on their Canada or Ontario Student Loan’s are ineligible for further assistance unless certain criteria are met. OSAP Loan Overpayment A loan overpayment exists when a student has received or has negotiated loans in excess of his or her current OSAP entitlement. www.ontariocourts.on.ca CANADA’S COURT SYSTEM There are basically four levels of court in Canada. First there are provincial/territorial courts, which handle the great majority of cases that come into the system. Second are the provincial/territorial superior courts. These courts deal with the more serious crimes and they also take appeals from any provincial/territorial court judgments. On the same level, but responsible for different issues, is the Federal Court. At the next level there are the provincial/territorial courts of appeal and the Federal Court of Appeal, while the highest level is occupied by the Supreme Court of Canada. O utline O f C anada ’ s C ourt S ystem Matters may be referred to the Supreme Court by the Provincial Courts of Appeal, or by the Federal Court of Appeal, and also by the Court Martial Appeal Court (which hears all appeals deriving from the military courts). The provincial courts of appeal receive appeals from provincial and territorial superior courts; these courts in turn receive referrals from the provincial courts, as well as provincial administrative tribunals. The Federal Court of Appeal receives appeals from the Federal Court and the Tax Court of Canada. The Federal Court also takes referrals from federal administrative tribunals. FINDING FREE MONEY FOR SCHOOL Show Me The Money Topping out: Western University offers the most for scholarships and/or bursaries at $1-4 million. Georgian College tops all the Community College list at $140,625. And not just for A Students: TD Canada Trust’s Community Leadership Scholarships offers up to $70,000 and require just a 75% average. Canada Student Grants are for students with dependents, a disability, or require financial assistance. www.justicematters.ca www.toronto.ca/finance BANWELL FINANCIAL INC 2 Lansing Square, Suite 302 Toronto, ON M2J 4P8 Tel: 416-494-1099 Web: ww.banwellfinancial.com W. Alex Kyle 416 North Service Road E., 3rd Floor Oakville, ON L6H 5R2 akyle@oakvillelawyers.ca Tel: (905) 842-2222 Fax: (905) 338-2301 www.oakvillelawyers.ca PROFESSIONAL SERVICES CO. Canadian Immigration Consultants LUCY CARDOSO, RCIC Member, Immigration Consultants of Canada Regulartory Council 155 Rexdale Blvd., Suite 902 Toronto, Ontario M9W 5Z8 Tel: (416) 516-1640 Fax: (416) 516-2018