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Do you have previous OSAP loans? Are you participating in a co-op work term? If so, you'll want to make sure you are confirmed as a full-time student for OSAP. By confirming your full-time status, your previous OSAP loans remain interest-free and you won't enter repayment while you are on your work term. All you have to do is complete the Continuation of Interest-Free Status / Confirmation of Enrolment (Schedule 2) form and fax it to the Student Awards and Financial Aid Office at (905) 688-3051. You can find this form online at https://osap.gov.on.ca/prodconsum/groups/forms/documents/forms/tcont003388.pdf