jswizzle3737/ontario_laws_and_regs huggingface dataset:
Applying for a grant or student loan
 3. (1) An individual who wishes to obtain a grant or student loan must apply for it to the Minister, and the application must specify the period of study for which the grant or loan is needed as well as the approved institution and approved program of study in which the individual is enrolled or intends to be enrolled.  (2) The application must be in a form approved by the Minister.
Period of grant or student loan
 4. (1) A grant or student loan may be issued for no more than one period of study in the approved program of study in which the student is or will be enrolled. (2) An individual who wishes to obtain grants or student loans for more than one period of study must make a new application under subsection 3 (1) for each period of study. Eligibility
Eligibility for a grant or student loan
 5. (1) An individual is eligible for a grant or student loan for a period of study if the Minister determines that he or she, (a)  is a Canadian citizen, a permanent resident within the meaning of the Immigration and Refugee Protection Act (Canada) or a protected person within the meaning of subsection 95 (2) of that Act; (b)  meets the residency requirement set out in section 6; (c)  is enrolled in an approved program of study at an approved institution, as determined in accordance with sections 7 and 8; (d)  is taking at least the minimum required course load for the period of study of the approved program of study, as determined in accordance with section 9; (e)  meets the financial eligibility requirement for receiving a student loan or a component of the Ontario Student Grant, as determined in accordance with section 10; and (f)  for the distance component of the Ontario Student Grant, meets the additional eligibility requirements set out in section 11. (2) An individual who is enrolled or intends to enrol in a program of study taught in American Sign Language (ASL) or Quebec Sign Language (QSL) at an approved institution outside Canada is eligible to receive a grant or student loan only if he or she is deaf or hard-of-hearing.
Residency requirement
 6. (1) An individual meets the residency requirement for a grant or student loan if, on or before the day the period of study of the approved program of study in which the individual is or is to be enrolled begins, either the individual or one of his or her expected contributors, (a)  has resided in Ontario for a period of at least 12 consecutive months; and (b)  has not resided in another province or territory in Canada for a period of 12 or more consecutive months since completing the 12-month period of residency in Ontario required under clause (a). (2) In determining whether an individual or his or her expected contributor has resided in Ontario or in another province or territory of Canada for 12 consecutive months for the purposes of subsection (1), the time that the individual or spouse spent in full-time studies at a post-secondary institution shall not be included. (3) Despite subsection (1), an individual who does not meet the residency requirement described in that subsection shall be deemed to meet the residency requirement for the purposes of issuing a grant or student loan if, (a)  neither the individual, nor any of his or her other expected contributors, has resided in any province or territory of Canada other than Ontario for 12 or more consecutive months; and (b)  the individual, (i)  is or will be attending an approved institution in Ontario on a full-time basis and, as of the day the application is made, the individual resides in Ontario, or (ii)  has previously received a grant or student loan under the Act.
Approved program of study
 7. (1) The Minister may approve a program of study as a program of study for which individuals may be eligible to receive a grant or student loan if the program, (a)  is provided at an approved institution; (b)  consists of one or more periods of study of no less than 12 weeks and no more than 52 weeks; and (c)  leads to the granting of a certificate, degree or diploma upon the successful completion of the program. (2) For the purposes of clause (1) (b), the period of study of an approved program of study is the period of time that the approved institution considers to be the normal school year for that particular program, as determined by that institution for academic purposes, which may include one or more academic terms. (3) The Minister may approve a program of study for deaf or hard of hearing students at an approved institution referred to in paragraph 5 of subsection 8 (2) only if, (a)  the program meets the requirements of subsection (1); and (b)  the only or principal language of instruction used in the program is American Sign Language (ASL) or Quebec Sign Language (QSL). (4) The Minister may withdraw his or her approval for a program of study if the program ceases to meet the requirements established under the Act, terms established by the Minister or terms established in any agreement entered into for the purposes of the Minister’s approval.
Approved institutions
 8. (1) The following institutions are approved institutions for the purposes of grants or student loans: 1.  Every university in Ontario, including any post-secondary educational institution that is affiliated or federated with such a university, the enrolments of which are counted for purposes of calculating annual operating grants and entitlements. 2.  Every college of applied arts and technology established under the Ontario Colleges of Applied Arts and Technology Act, 2002. 3.  University of Guelph - Ridgetown Campus. 4.  The Law Society of Ontario. 5.  The Niagara Parks Commission School of Horticulture. 6.  Every Indigenous Institute prescribed for the purposes of section 6 of the Indigenous Institutes Act, 2017. O. Reg. 70/17, s. 8 (1); O. Reg. 18/21, s. 1. (2) An institution described in one of the following paragraphs is an approved institution for the purpose of grants or student loans if it is approved by the Minister for that purpose: 1.  A public post-secondary institution in Canada that is not described in subsection (1). 2.  A private post-secondary educational institution that is authorized under the Post-secondary Education Choice and Excellence Act, 2000 to operate or maintain a university or to provide all or part of a program leading to a degree. 3.  A private career college registered in Ontario under the Private Career Colleges Act, 2005. Note: On January 1, 2024, the day section 1 of Schedule 29 to the Less Red Tape, Stronger Economy Act, 2023 comes into force, paragraph 3 of subsection 8 (2) of the Regulation is revoked and the following substituted: (See: O. Reg. 357/23, s. 1) 3.  A career college registered in Ontario under the Ontario Career Colleges Act, 2005. 4.  A private post-secondary institution in Ontario, other than one described in paragraph 2 or 3. 5.  A post-secondary institution outside of Canada at which one or more programs of study that meet the requirements of subsection 7 (3) are provided for deaf or hard-of-hearing students. O. Reg. 70/17, s. 8 (2). (3) Despite subsection (2), an institution described in that subsection is not an approved institution for the purposes of determining eligibility for the distance and top-up components of the Ontario Student Grant. O. Reg. 70/17, s. 8 (3).
Minimum required course load
 9. An individual enrolled in an approved program of study at an approved institution is taking the minimum required course load for the purposes of grants or student loans if, (a)  he or she is enrolled in at least 60 per cent of what the institution considers to be a full course load for the period of study in question, in the case of an individual who is not a person with a disability; or (b)  he or she is enrolled in at least 40 per cent of what the institution considers to be a full course load for the period of study in question, in the case of an individual who is a person with a disability.
Financial eligibility
 10. (1) An individual meets the financial eligibility requirement for receiving a grant or student loan for a particular period of study if, in the Minister’s opinion, the individual needs the grant or student loan in order to pursue the approved program of study for which the grant or loan application was made for that period of study. (2) When deciding whether an individual needs a grant or student loan, the Minister shall consider the individual’s education costs and financial resources and may consider other factors that are relevant in the Minister’s opinion. (3) Despite subsection (2), when deciding whether an individual needs the base component, the Minister shall not consider the individual’s education costs. (4) The following are an individual’s education costs for an approved program of study at an approved institution for a particular period of study: 1.  The tuition and other compulsory fees payable to the institution. 2.  The estimated cost allowance established by the Minister for books and other instructional supplies. 3.  The estimated weekly cost allowance established by the Minister for personal and living needs. 4.  The estimated cost allowance established by the Minister for such other expenses as the Minister considers relevant in the circumstances. (5) The Minister may expect one or more of the following individuals to contribute toward the education costs of another individual (the “student”) for a period of study in an approved program of study at an approved institution: 1.  The student’s parents or step-parents. 2.  An individual who is the student’s sponsor within the meaning of the regulations made under the Immigration and Refugee Protection Act (Canada). 3.  The individual who, on the first day of the period of study, is the student’s spouse. (6) The amount of an individual’s financial resources for a particular period of study in an approved program of study at an approved institution is the amount of money that the Minister expects the individual and his or her expected contributors, if any, to contribute toward the individual’s education costs for the period. (7) The Minister shall determine the individual’s financial resources having regard to the following matters: 1.  The individual’s total taxable and non-taxable income from all sources. 2.  Any academic awards and government assistance, including student financial assistance from the Government of Canada, that the individual is receiving or is entitled to receive. 3.  The assets of the individual and, if the individual has a spouse, the assets of the spouse. 4.  If the individual has expected contributors, their total taxable and non-taxable income from all sources. 5.  If the individual has expected contributors, their personal income tax payments and employment insurance and pension plan contributions. 6.  The number of other individuals that, in the opinion of the Minister, are dependants of the individual or his or her expected contributors, if any. 7.  Any other resources, assets or deductions of the individual and his or her expected contributors, if any, that the Minister considers to be relevant in the circumstances.
Distance component
 11. (1) An individual meets the additional eligibility requirements for the distance component of the Ontario Student Grant if the Minister determines that, (a)  the program of study in which the individual is enrolled is not a distance education program; (b)  the distance between the individual’s permanent residence and the approved institution is greater than 80 kilometres; and (c)  there is no institution of the same type as the approved institution that is within 80 kilometres of the individual’s permanent residence. (2) The requirement set out in clause (1) (c) does not apply to an individual if, in the program of study in which the individual is enrolled, French is the language of instruction for, (a)  a minimum of 60 per cent of what the institution considers to be a full course load for the period of study, in the case of an individual who is not a person with a disability; or (b)  a minimum of 40 per cent of what the institution considers to be a full course load for the period of study, in the case of an individual who is a person with a disability. Restrictions on Issuing a Loan or Grant
Restrictions on Issuing a Loan or Grant
nan
Restrictions
 12. Despite section 5, an individual who is eligible for a grant or student loan under that section may be refused a grant or student loan in accordance with sections 13 to 17.
Individual’s finances; other loans, grants, benefits, etc.
 13. (1) The Minister may refuse to issue a grant or student loan to an individual in any of the following circumstances relating to the individual’s finances and financial resources: 1.  The individual or his or her spouse owns, possesses or controls real or personal property that, in the opinion of the Minister, constitutes sufficient financial resources to meet the individual’s education costs. 2.  The individual is entitled to receive student financial assistance from the Government of Canada or from the government of another province or territory of Canada or of another country. 3.  After considering the contents of a consumer report of the individual’s current debts, the Minister is of the opinion that the individual will not repay a student loan. O. Reg. 70/17, s. 13 (1). (2) The Minister may refuse to issue the base component of the Ontario Student Grant to an individual if the individual is in receipt of financial assistance under an educational program or employment training program funded directly or indirectly by the Province of Ontario. O. Reg. 70/17, s. 13 (2). (3) The Minister shall not issue a grant or student loan to an individual who received a grant or student loan in respect of a previous period of study for which amounts have not been repaid, if the individual, (a)  was granted repayment assistance at the debt reduction stage in respect of the previous student loan under sections 36 to 47 of this Regulation, under sections 35 to 40.7 of the 2001 Regulation, as those sections read on March 9, 2017, or under sections 12 to 12.12 of the pre-2001 Regulation, as those sections read on March 9, 2017 but that repayment assistance was not granted on the basis of the individual having been an individual described under paragraph 3 of subsection 40 (3) of this Regulation, under paragraph 3 of subsection 39 (3) of the 2001 Regulation, as that section read on March 9, 2017, or under paragraph 3 of subsection 12.4 (3) of the pre-2001 Regulation, as that section read on March 9, 2017; or (b)  Revoked: O. Reg. 70/23, s. 1 (1). (c)  was granted a reduction of the amount outstanding under the previous student loan under section 40.2 of the 2001 Regulation as it read on October 31, 2010 or under section 9.4 of the pre-2001 Regulation, as it read on October 31, 2010. O. Reg. 70/17, s. 13 (3); O. Reg. 70/23, s. 1 (1). (4) The Minister shall not issue a grant or student loan to an individual who has been granted a severe permanent disability benefit under section 48 of this Regulation, under section 31.13 of the 2020 Regulation, under section 40.8 of the 2001 Regulation, as that section read on March 9, 2017
or under section 13 of the pre-2001 Regulation, as that section read on March 9, 2017. O. Reg. 70/17, s. 13 (4); O. Reg. 70/23, s. 1 (2). (5) Revoked: O. Reg. 70/23, s. 1 (3).
Maximum number of weeks or academic terms
 14. (1) The Minister shall not issue a grant or student loan if the individual has received any grants or loans under the Act, other than micro-credential grants, micro-credential student loans and Ontario Tuition Grants under Ontario Regulation 118/07 (Ontario Access Grants and Ontario Tuition Grants) made under the Act, in respect of previous periods of study totalling more than, (a)  for an individual without a disability, (i)  340 weeks if he or she is enrolled in a program of study other than a doctoral program, and (ii)  400 weeks if he or she is enrolled in a doctoral program; and (b)  520 weeks for an individual who is a person with a disability. O. Reg. 70/17, s. 14 (1); O. Reg. 83/23, s. 2. (2) The Minister shall not issue the base component or the top-up component of the Ontario Student Grant to an individual without a disability for more than eight academic terms. O. Reg. 70/17, s. 14 (2). (3) The Minister shall not issue the base component or the top-up component of the Ontario Student Grant to an individual with a disability for more than twelve academic terms in which the individual is enrolled in less than 60% of what the institution considers to be a full course load. O. Reg. 70/17, s. 14 (3). (4) The Minister may, in order to accommodate an individual based on reasons of a disability, determine that clause (1) (b) or subsection (3) does not apply. O. Reg. 70/17, s. 14 (4). (5) For the purposes of subsections (2) and (3), an Ontario Tuition Grant issued to an individual under the Act is deemed to be the base component. O. Reg. 70/17, s. 14 (5). (6) For the purposes of this section, the number of academic terms in a period of study is determined using the following Table. table Number of weeks of enrolment   Number of academic terms 

  12 weeks or more, up to 21 weeks   1 

  21 weeks or more, up to 41 weeks   2 

  41 weeks or more, up to and including 52 weeks   3 O. Reg. 70/17, s. 14 (6).
Actions of individual
 15. (1) The Minister may refuse to issue a grant or student loan to an individual if the Minister considers, after consulting with the approved institutions at which the individual has been enrolled, that the individual has not made satisfactory progress in a program of study. O. Reg. 70/17, s. 15 (1); O. Reg. 83/23, s. 3 (1). (2) The Minister may refuse to issue a grant or student loan to an individual in any of the following circumstances relating to actions of the individual: 1.  The individual has not made arrangements that are satisfactory to the Minister to repay, or has not repaid, a student loan, or any other amount required to be paid to the Crown in respect of any grant or award made by the Government of Ontario under the Act, the Government of Canada or the government of any other province or territory. 2.  The individual has not given the Minister all of the information and documents required by the Minister to administer the program of awards, grants or student loans that the individual has received under the Act, including information about the individual’s academic status, financial status or family status during a period of study. 3.  The individual has given the Minister incorrect information relating to a grant or student loan under the Act or has not informed the Minister promptly about any change to information previously given to the Minister. 4.  The individual has been found guilty of an offence under the Ministry of Training, Colleges and Universities Act, the Canada Student Loans Act
or the Canada Student Financial Assistance Act or an offence under the Criminal Code (Canada) involving fraud or theft in respect of any student assistance program or any grant, loan or award made by the Government of Ontario under the Act, the Government of Canada or the government of any other province or territory. O. Reg. 70/17, s. 15 (2); O. Reg. 769/20, s. 2; O. Reg. 83/23, s. 3 (2). (3) In this section and in section 16, “approved institution” includes an approved institution as described in section 8 of the 2023 Regulation. O. Reg. 83/23, s. 3 (3).
Notice of Assessment
nan
Issuing a notice of assessment
 18. (1) If the Minister determines that an individual is eligible for a grant or student loan and the individual is not refused a grant or student loan in accordance with sections 13 to 17, the Minister may issue a notice of assessment indicating the amount of the grant or student loan that shall be issued to the individual upon the conditions in subsection 20 (1) being satisfied. (2) The notice of assessment shall be in respect of all or part of a period of study in an approved program of study at an approved institution, all of which shall be specified in the notice.
Maximum amount of grant and student loan
 19. (1) This section sets out the maximum total amount of grants and student loans that may be issued to an individual for each week of the individual’s anticipated enrolment in the approved program of study for the period of study specified in the notice of assessment. (2) The maximum weekly amount is, (a)  for a single student, $180; and (b)  for any other individual, $450. (3) The amount of the distance and top-up components shall not be included in determining the maximum weekly amount issued to an individual. (4) On August 1 of every year starting in 2018, the maximum weekly amount that applied immediately before August 1 shall be adjusted by multiplying the amount by the indexing factor to obtain the adjusted maximum weekly amount. (5) For the purposes of subsection (4), the indexing factor is, A/B in which, “A”  is the Ontario Consumer Price Index for all-items, not seasonally adjusted, for the 12-month period that ended on July 31 in the previous year, and “B”  is the Ontario Consumer Price Index for all-items, not seasonally adjusted, for the 12-month period immediately preceding the period mentioned in the description of “A”. (6) If the adjustment calculated under subsection (4) would result in an adjusted maximum weekly amount that is not a multiple of $5, the amount shall be rounded up or down to the nearest amount that is a multiple of $5. (7) If the adjustment calculated under subsection (4) would result in a decrease in the maximum weekly amount, no adjustment shall be made. (8) If the maximum weekly amount does not increase in a year due to a calculation under subsection (4) that would otherwise require a decrease in the maximum weekly amount, or due to the adjusted maximum weekly amount rounding down to the same amount as the previous maximum weekly amount, the indexing factor for the year shall be added to the indexing factor for the next year. (9) In this section, “single student” means an individual who does not have a spouse or dependent child on the first day of the period of study. Obtaining a Grant or student loan
Obtaining a Grant or student loan
nan
Obtaining a grant or student loan
 20. (1) The Minister or a service provider on behalf of the Minister shall issue a grant or student loan if, (a)  the individual has received a notice of assessment under section 18; (b)  the individual has entered into a master student financial assistance agreement under section 21; and (c)  the individual’s enrolment in the approved program of study has been confirmed by the approved institution at least 5 business days before the period of study ends. (2) The grant or student loan shall be issued, (a)  in the amount set out in the notice of assessment for the grant, the loan, or both, as the case may be; or (b)  in the amount set out in the notice of assessment for the grant only, upon the request of an individual to not issue the student loan.
Grant or loan directed to institution
 20.1 (1) The Minister may direct all or part of an individual’s grant or student loan for a period of study to an approved institution to apply toward any amounts listed in subsection (2) that the individual owes to the institution if,  (a)  the period of study commences on or after August 1, 2019 and the individual is eligible to receive a grant or loan for the period of study; and (b)  the institution requests the direction in a manner approved by the Minister. O. Reg. 221/18, s. 1. (2) For the purposes of subsection (1), the amounts are, (a)  tuition and other compulsory fees; (b)  repayments for emergency loans made by the institution to the individual; (c)  deferred fees; (d)  residence fees pursuant to an agreement between the individual and the institution; and (e)  other fees that the individual has authorized the institution to collect. O. Reg. 221/18, s. 1.
Conversion of Grant into Student Loan
nan
Effect of status as qualifying student
 23. (1) While an individual is a qualifying student, his or her obligations to pay principal and interest under a student loan agreement, consolidated loan agreement, micro-credential student loan agreement or repayment notice, are suspended. O. Reg. 70/17, s. 23 (1); O. Reg. 769/20, s. 5 (1); O. Reg. 83/23, s. 8. (2) If the individual owes interest to the Minister under a student loan agreement, consolidated loan agreement, micro-credential student loan agreement or repayment notice for a period during which he or she was not a qualifying student, and if the Minister asks the individual to pay the accrued interest for that period, subsection (1) does not apply until the individual pays the accrued interest. O. Reg. 70/17, s. 23 (2); O. Reg. 769/20, s. 5 (2); O. Reg. 83/23, s. 8. (3) The individual is not permitted to pay the accrued interest by means of a promissory note. O. Reg. 70/17, s. 23 (3).
Qualifying student
 24. (1) An individual is a qualifying student during a period of study for which he or she receives a grant or student loan. (2) An individual may be a qualifying student during a period of study for which he or she does not receive a grant or student loan, if the requirements set out in section 25 or 26 are met. (3) If an individual ceases to be a qualifying student for a period of less than six months, the individual shall be deemed to have been a qualifying student throughout that period.
Confirmation of enrolment by institution
 25. (1) An individual who wishes to be a qualifying student during a period of study for which he or she does not receive a grant or student loan must comply with this section. (2) The individual must continue to meet the requirements of clause 5 (1) (a). (3) The individual must obtain a document from the institution at which he or she is enrolled, confirming, (a)  that he or she is enrolled in an approved program of study at an approved institution for the period of study in question, and that he or she is taking at least the minimum required course load; (b)  that he or she is enrolled at a secondary school within the meaning of the Education Act
and that he or she is taking at least the minimum course load required under subsection (4); (c)  that he or she is enrolled at a designated educational institution as defined in the Canada Student Financial Assistance Act and that he or she is taking at least the minimum course load required under subsection (4); or (d)  that he or she is enrolled at an educational institution not described in clause (a), (b) or (c) that is approved by the Minister for the purposes of this section and that he or she is taking at least the minimum course load required under subsection (4). (4) For the purposes of clauses (3) (b), (c) and (d), the minimum course load that an individual who is enrolled in a program of study at an institution described in one of those clauses must take in order to maintain his or her status as a qualifying student during the relevant period of study is, (a)  a course load that is at least 60 per cent of what the institution considers to be a full course load for the period of study, in the case of an individual who is not a person with a disability; and (b)  a course load that is at least 40 per cent of what the institution considers to be a full course load for the period of study, in the case of an individual who is a person with a disability. (5) The document confirming enrolment must be given in a form approved by the Minister and must be certified by the institution at which the individual is enrolled. (6) The individual must give the completed document referred to in subsection (5) to the Minister promptly upon becoming enrolled as described in subsection (3). (7) Subject to section 27, the individual is a qualifying student under this section beginning on the first day of the period of study.
Confirmation of enrolment by Minister
 26. (1) Even though an individual does not comply with section 25, the individual is a qualifying student during a period of study for which he or she does not receive a grant or student loan if he or she establishes to the satisfaction of the Minister that, (a)  the individual was unable to obtain a document confirming enrolment under section 25; and (b)  the circumstances that are required in order to obtain a document confirming enrolment under clause 25 (3) (a), (b), (c) or (d) exist. (2) Subject to section 27, the individual is a qualifying student under this section beginning on the first day of the period of study.
Requirement for a consolidated loan agreement
 28. (1) If an individual has entered into a master student financial assistance agreement under this Regulation or the 2023 Regulation, the individual shall enter into a consolidated loan agreement with the Minister after ceasing to be both a qualifying student and an Ontario Learn and Stay Grant student. O. Reg. 83/23, s. 10 (1). (2) A consolidated loan agreement entered into under this Regulation shall apply to all student loan agreements that the individual has entered into. O. Reg. 70/17, s. 28 (2). (3) If the individual does not enter into a consolidated loan agreement within six months after ceasing to be both a qualifying student and an Ontario Learn and Stay Grant student, section 29 applies until the individual does enter into such an agreement. O. Reg. 83/23, s. 10 (2). (4) The consolidated loan agreement must establish the amount and duration of the repayments to be made to discharge the principal amount of all outstanding student loans issued under the Act, other than micro-credential student loans, and the interest on the outstanding balance from time to time, and the agreement may provide for other matters. O. Reg. 83/23, s. 10 (2). (5) If the individual enters into a consolidated loan agreement and then becomes a qualifying student again or becomes an Ontario Learn and Stay Grant student, the individual is required to enter into a new consolidated loan agreement after ceasing to be both a qualifying student and an Ontario Learn and Stay Grant student, and the new agreement supersedes the old agreement. O. Reg. 83/23, s. 10 (2). (6) If the individual does not enter into a new consolidated loan agreement within six months after ceasing to be both a qualifying student and an Ontario Learn and Stay Grant student, section 29 applies until the individual does enter into such an agreement. O. Reg. 83/23, s. 10 (2).
Arrangement if there is no consolidated loan agreement
 29. (1) If an individual does not enter into a consolidated loan agreement within six months after ceasing to be both a qualifying student and an Ontario Learn and Stay Grant student, the Minister may establish the amount and duration of the repayments to be made to discharge the principal amount of all outstanding student loans issued under the Act, other than micro-credential student loans, and the interest on the outstanding balance from time to time. O. Reg. 83/23, s. 11. (2) If an individual does not enter into a consolidated loan agreement within six months after ceasing to be both a qualifying student and an Ontario Learn and Stay Grant student or does not provide the Minister with a void cheque, a bank account number or with such other information or documents as may be necessary in order to collect payments in accordance with the terms of a consolidated loan agreement, the Minister may require a financial institution to make payments on the individual’s student loans issued under the Act on or after June 22, 2004, other than micro-credential student loans, from an account at the institution that the individual has identified to the Minister. O. Reg. 83/23, s. 11. (3) The payments made by a financial institution under subsection (2) shall be made in accordance with the repayment terms set out in the consolidated loan agreement, if any, or, if none, in accordance with the repayment terms established by the Minister under subsection (1). O. Reg. 70/17, s. 29 (3).
Obligation to pay interest
 30. (1) An individual is not required to make payments towards the interest accruing on student loans issued under the Act and grants issued under the Act that converted to loans under a student loan agreement or consolidated loan agreement until the first day of the month immediately after the six-month period following the month in which the individual ceased to be both a qualifying student and an Ontario Learn and Stay Grant student. O. Reg. 83/23, s. 12. (2) The interest rate in effect on any day under a student loan agreement or consolidated loan agreement is the prime rate on that day plus 1 per cent. O. Reg. 70/17, s. 30 (2).
Exception, not-for-profit entity
 31. (1) Despite subsection 30 (1), an individual is not required to make payments toward the interest accruing under a student loan agreement or consolidated loan agreement until the first day of the month immediately after the 12-month period following the month in which the individual ceased to be both a qualifying student and an Ontario Learn and Stay Grant student where the Minister determines that the individual is employed in or does voluntary work that is eligible employment with an eligible not-for-profit entity, as determined in accordance with section 32. O. Reg. 83/23, s. 13. (2) To be eligible for a determination under subsection (1), an individual must submit a completed application form, as approved by the Minister, to the service provider before the end of the six-month period set out in subsection 30 (1). O. Reg. 70/17, s. 31 (2). (3) The application form shall include an attestation, in a form approved by the Minister, that is to be completed by a person who is authorized by the governing body of the eligible not-for-profit entity to complete the attestation form on behalf of the entity which, (a)  verifies that the individual is employed by or doing voluntary work for the eligible not-for-profit entity and that the individual’s employment or voluntary work is eligible employment; and (b)  provides, (i)  evidence of the eligible not-for-profit entity’s status as a registered charity, in the case of an entity that is a registered charity, or (ii)  the eligible not-for-profit entity’s corporation number or legal name, in the case of an entity that is not a registered charity but is a corporation incorporated as a not-for-profit corporation or similar entity. O. Reg. 70/17, s. 31 (3).
Eligible employment, eligible not-for-profit entity
 32. (1) For the purposes of section 31, employment is eligible employment if it is paid employment in Ontario or voluntary work in Ontario or a combination of both totalling a minimum of 30 hours a week. (2) For the purposes of section 31, an entity is an eligible not-for-profit entity if, (a)  the entity is a registered charity within the meaning of the Income Tax Act (Canada) and is in good standing with the Canada Revenue Agency; or (b)  the entity is a corporation incorporated as a not-for-profit corporation or similar entity under an Act of Canada or a province or territory of Canada and is in good standing under the Act. (3) The following are not eligible not-for-profit entities for the purposes of this Regulation: 1.  The Government of Canada or a municipal, provincial or territorial government in Canada or an agency of any such government. 2.  A local board within the meaning of subsection 1 (1) of the Municipal Act, 2001 and a local board within the meaning of subsection 3 (1) of the City of Toronto Act, 2006. 3.  A district social service administration board within the meaning of subsection 1 (1) of the District Social Services Administration Boards Act. 4.  Revoked: O. Reg. 406/17, s. 1. 5.  An elementary, secondary or post-secondary educational institution, whether or not it receives regular operating grants from Canada or a province or territory of Canada. 6.  A hospital within the meaning of the Public Hospitals Act or a private hospital within the meaning of the Private Hospitals Act. O. Reg. 70/17, s. 32 (3); O. Reg. 406/17, s. 1. (4) A registered charitable foundation associated with an entity described in subsection (3) may be an eligible not-for-profit entity for the purposes of this Regulation. (5) Where an individual is employed by or does voluntary work for an entity described in subsection (3) and the entity is a registered charity that meets the requirements of clause (2) (a), the individual’s employment or voluntary work may be deemed to be eligible employment with an eligible not-for-profit entity if the Minister is satisfied that the individual’s employment or voluntary work consists entirely or predominantly of administering or promoting the charitable activities of the entity. (6) For the purposes of subsection (5), examples of administering or promoting charitable activities include raising charitable donations and administering charitable funds.
Exception, business
 33. (1) Despite subsection 30 (1), an individual is not required to make payments toward the interest accruing under a student loan agreement or consolidated loan agreement until the first day of the month immediately after the 12-month period following the month in which the individual ceased to be both a qualifying student and an Ontario Learn and Stay Grant student, where the Minister determines that, (a)  the individual is the sole or joint owner or controlling shareholder of a business operating in Ontario; (b)  the business was started or acquired by the individual in the calendar year in which the individual submits his or her application under this section or within the two previous calendar years; (c)  the business is registered with the Canada Revenue Agency; and (d)  the individual is working a minimum of 30 hours per week in the business. O. Reg. 70/17, s. 33 (1); O. Reg. 70/19, s. 5; O. Reg. 83/23, s. 14. (2) To be eligible for a determination under subsection (1), an individual must submit a completed application form, as approved by the Minister, to the service provider before the end of the six-month period set out in subsection 30 (1). O. Reg. 70/17, s. 33 (2). (3) The application form shall include an attestation, in a form approved by the Minister, that is to be completed by the applicant attesting that he or she meets the requirements set out in subsection (1). O. Reg. 70/17, s. 33 (3).
Repayment terms
 34. (1) The term for the repayment of a student loan is to be determined by the Minister in consultation with the borrower.   (2) The borrower is entitled to repay all or part of the student loan, without notice or bonus to the Minister, before the period for repayment specified in the consolidated loan agreement expires. (3) The obligation to repay a student loan terminates upon the death of the borrower. (4) Instalments of the repayment of a student loan are to be applied first to interest accrued to the date of the payment and then to the outstanding principal.
Amendment to prevent default
 35. The Minister and borrower may amend their consolidated loan agreement if the borrower notifies the Minister that the terms of the agreement are such that he or she will be in default and if the Minister considers that an amendment to the agreement will enable the borrower to meet his or her obligations under the agreement.   Repayment Assistance Plan
Repayment Assistance Plan
nan
Definitions
 36. In this section and in sections 37 to 47, “federal student loan” means a loan issued by the Government of Canada under the Canada Student Financial Assistance Act or the Canada Student Loans Act; (“prêt d’études fédéral”) “monthly affordable payment” means the amount that a borrower can reasonably afford to pay on all of his or her federal and provincial student loans on a monthly basis, as determined under section 41; (“versement mensuel abordable”) “monthly required payment” means the amount that a borrower would be required to pay on all of his or her federal and provincial student loans on a monthly basis, as determined under section 42; (“versement mensuel exigé”) “permanent disability” means any impairment, including a physical, mental, intellectual, cognitive, learning, communication or sensory impairment, or a functional limitation, that, (a)  restricts the ability of a person to perform the daily activities necessary to pursue studies at a post-secondary school level or to participate in the labour force, and (b)  is expected to remain with the person for the person’s expected life; (“invalidité permanente”) “persistent or prolonged disability” means any impairment, including a physical, mental, intellectual, cognitive, learning, communication or sensory impairment, or a functional limitation, that, (a)  restricts the ability of a person to perform the daily activities necessary to pursue studies at a post-secondary school level or to participate in the labour force, and (b)  has lasted, or is expected to last, for a period of at least 12 months but is not expected to remain with the person for the person’s expected life; (“invalidité persistante ou prolongée”) “provincial student loan” means a student loan issued under the Act, other than a micro-credential student loan, or a loan issued to a student for educational purposes by the government of a province other than Ontario or by the government of a territory of Canada; (“prêt d’études provincial”) “qualifying student” includes a qualifying student as described in section 23 of the 2001 Regulation and a student or borrower deemed to be a student under section 11 or 11.1 of the pre-2001 Regulation. (“étudiant admissible”) O. Reg. 70/17, s. 36; O. Reg. 70/23, s. 3; O. Reg. 83/23, s. 15.
Repayment assistance
 37. (1) A borrower who is having difficulty paying amounts on principal and interest owing on student loans issued under the Act, other than a micro-credential student loan, may apply for repayment assistance in accordance with section 39. O. Reg. 70/17, s. 37 (1); O. Reg. 83/23, s. 16 (1). (2) The repayment assistance available under this Regulation includes the following two forms of assistance: 1.  A reduction in the borrower’s monthly payments on the student loans. 2.  Assistance from the Minister in paying off the borrower’s outstanding student loans by making monthly payments on the loans. O. Reg. 70/17, s. 37 (2). (3) The amount of assistance provided by the Minister shall be determined so that, (a)  in the case of a person receiving repayment assistance, other than a person described in clause (b) or (c), the recipient’s student loans are repaid in full within 15 years from the day they last were a qualifying student or an Ontario Learn and Stay Grant student; (b)  in the case of a person with a permanent disability who is receiving repayment assistance and who, in an application for repayment assistance, discloses their disability, the recipient’s student loans are repaid in full within 10 years from the day they last were a qualifying student or an Ontario Learn and Stay Grant student; and (c)  in the case of a person with a persistent or prolonged disability who is receiving repayment assistance and who, in an application for repayment assistance, discloses their disability, the recipient’s student loans are repaid in full within 10 years from the day they last were a qualifying student or an Ontario Learn and Stay Grant student, as long as they otherwise remain eligible for repayment assistance under paragraph 3 of subsection 40 (3). O. Reg. 70/23, s. 4; O. Reg. 83/23, s. 16 (3). (4) The assistance provided by the Minister to the borrower, whether by means of amounts paid to the Minister on behalf of the borrower or by any other means, shall be deemed to be a grant issued to the borrower under section 5 of the Act. O. Reg. 70/17, s. 37 (4).
Two stages of repayment assistance
 38. (1) There are two stages of repayment assistance provided under this Regulation:  1.  Stage 1, known as the interest relief stage. During this stage, the monthly assistance provided by the Minister shall relate solely to amounts payable on account of interest owing on the outstanding student loans. 2.  Stage 2, known as the debt reduction stage. During this stage, the monthly assistance provided by the Minister shall relate to amounts payable on account of principal and interest owing on the outstanding student loans as are required so as to ensure that the student loans are repaid in full within the time period specified in subsection 37 (3). (2) Subject to subsection (4), the two stages of repayment assistance are consecutive and a borrower must receive the interest relief stage of repayment assistance for the full period of time for which it is available under subsection (3) before he or she is entitled to receive the debt reduction stage of repayment assistance. (3) A borrower may receive repayment assistance at the interest relief stage for a period of up to 60 months, subject to section 47. (4) A borrower who meets the eligibility requirements specified in subsection 40 (1) and in either paragraph 2 or 3 of subsection 40 (3) is eligible for repayment assistance at the debt reduction stage without having received the interest relief stage of repayment assistance for the full 60 months referred to in subsection (3).
Application and approval process
 39. (1) A borrower who wishes to receive repayment assistance shall submit an application for the assistance to a service provider.   (2) The application shall be in the form approved by the Minister and shall provide the service provider with information relating to the applicant’s family status, number of family members and family income, and such other information as may be required to determine eligibility for the repayment assistance. (3) If the service provider determines that the applicant meets the eligibility requirements under sections 40, 41 and 42, the applicant shall be entitled to receive repayment assistance for a period of six months. (4) If a borrower wishes to continue to receive repayment assistance immediately after the expiry of a repayment assistance period, he or she shall submit an application for the assistance to a service provider no later than 30 days after the end of the six-month period. (5) Subsections (2), (3) and (4) apply, with necessary modifications, to every successive application for repayment assistance made under subsection (1) until the borrower’s student loans are repaid in full.