Clearing your defaulted Student Loan

If you have defaulted on your student loan, you may still be eligible for OSAP. However, you must clear your default first. Contact the appropriate organization to find out what to do.

Loan Who to contact Contact information
Canada-Ontario Integrated Student Loans National Student Loans Service Centre In North America: 1-888-815-4514
TTY: 1-888-815-4556
Canada Student Loans The private collection agency listed on your notice To find out who holds your account, call 1-888-819-2516 or 1-819-994-1218 (TDD/TY)
Ontario Student Loans The private collection agency listed on your notice To find out who holds your account, call 416-326-0500


You may not be eligible for OSAP if you:

  • Have enough financial resources to cover your expenses allowed by OSAP
  • Receive other government aid that covers your postsecondary education expenses
  • Have defaulted on a student loan
  • Failed a credit check
  • Don’t meet the academic progress requirements
  • Have multiple loan overpayments outstanding
  • Have outstanding grant or bursary overpayments(s)
  • Tell us your income is one number and there’s a significant difference between that number and the one on file with the Canada Revenue Agency
  • Declared bankruptcy or consumer proposal, or consolidation orders under the Orderly Payment of Debts
  • Have reached your lifetime limit of student loan funding

Appeal for failed credit check

If you failed the credit check, you may still be eligible to apply for OSAP. You will have to show the exceptional circumstances why you failed and prove you’ll be able to repay your student loan.  You can review the appeal credit check appeal process by clicking on the "OSAP Appeals Forms" page.