OSAP closed my application due to "Student Plus One"
I’m a York/Lassonde Engineering student and I just got my OSAP application closed for Fall 2026 because apparently I reached the maximum number of study periods for my program.
The message says:
>“You have received funding for the maximum number of study periods for your program and are ineligible for further full-time OSAP effective Fall 2026.”
Basically, they are applying the “program length plus one” rule. Since Engineering is treated as an 8-term / 4-year program, they say I can only get 10 terms of full-time OSAP.
The problem is that this rule makes no sense for my situation. I live on my own, pay my own rent, food, bills, everything. My parents do not support me financially. I have had to work while studying just to survive, which is exactly why I usually took 4 courses instead of 5. But because 60%+ course load still counts as full-time for OSAP, every term counted the same as if I was taking 100% course load.
So now I am being punished for not being able to take a full 100% load while also supporting myself.
I also had serious personal circumstances during these years, including a stalking situation and deaths in my family, which affected my ability to overload myself academically. I was not dragging school out for fun. I was literally trying to stay enrolled while working and living independently.
Another issue is that I changed programs from Software Engineering to Mechatronics Engineering. I want to check whether York/OSAP counted my study periods correctly after that program change, because many of the courses I now need for Mechatronics would not have counted the same way if I had stayed in Software.
My friend switched from Mechanical to Software Engineering and he is in his 8th year here. He is still receiving OSAP despite the switch, and is way above the 10 term limit that I was recently informed about. I heard the amount of credits transferred after the switch affects the decision but I have not confirmed this information yet.
I already spoke to someone from OSAP/York and they basically told me there is no appeal unless I have a disability, which I do not. They said once the decision is final, there is no appeal.
So my questions are:
Has anyone dealt with this Study Periods + One rule before?
If you changed engineering programs, did your OSAP terms reset or did they keep counting everything together?
Is there any actual way to challenge this, or at least request a review of how they counted my program change?
Would going to Bennett Centre (York's OSAP staff advisors) and asking for a term-by-term breakdown help?
Would a student line of credit basically be my only option now?
I am not trying to dodge responsibility. I am trying to finish my engineering degree. I just do not understand how they can base the program length on a 100% course load, but then count my 80% terms the exact same, when the whole reason I could not take 100% was because I had to work to support myself.