Post # 1
Wish there was just an Ontario board, but hopefully I can get enough advice here. I am currently just finishing my second year of studies at university and I receive full OSAP. I am a bit torn about setting my wedding date because I am aware that getting married whilst I am still at school will mean I get a lot less OSAP funding, which I do not want to happen. My FI doesn’t really want to wait another two years, though. Have you or anyone else you know had to negotiate this? I guess the second we are officially married I have to report it to OSAP, right? Actually, I am wondering whether we have been common-law in Canada long enough now to actually be considered common-law by OSAP standards, which may mess the loan thing up anyway… Argh. I wish they wouldn’t assume that my partner actually contributes to my tuition fees. From what I hear, the drop in funding is actually quite significant.
Post # 3
Well if you’ve been living together for 12 or more months you are considered common law. However, OSAP and CRA don’t seem to be super strict on this.
On the OSAP FAQ it seems like you would get more as a married student than as a single student. I would give them a call and ask about the exact specifics.
Post # 4
@Ms. Martian: I agree with this.
I believe that getting married makes you an independent, as well. When you’re a dependent, they expect your parents are helping partially. Once your independent, they expect you to be on your own. In my last year of school, I was old enough to be independent. I got more money (not a lot, but a little) than I had received as a dependent.
Call them and ask. They won’t bite 🙂
Post # 5
Yeah, I’m a bit confused so I should call them for sure. My friend who is married got very little osap, but she recently separated from her husband and got a lot more money because of it. At the moment I get maximum osap because I’m completely independent, so I need to check out if that actually changes with marriage. Maybe compared to being dependent on your parents you get more for being married, but less than living on your own. I think when I did online osap quotes a while back and tested out putting common-law, it gave me a much smaller quote.
Thanks for your time and help, ladies!