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OSAP Question

A photo of Anonymous Anonymous
I got accepted to all the schools I applied to, but was not able to afford it. Thankfully, the school I wanted allowed me to defer my admissions offer to next year so that I could take a year off to save money. My parents are in a bad place financially (they're in a lot of debt) and they can't help me with any of my finances, meaning I am responsible for all of my tuition, taxes, living expenses ect. Unfortunately, OSAP didn't care about my financial situation and the fact that my parents weren't helping with my tuition, they just cared about how much my parents make and the savings I had. My parents make a fair amount (middle class), so I didn't get enough from OSAP. I am currently working full-time (40 hours a week) and I plan on continuing to do so until I start school in September and then i'll go down to part time during the school year. .However, I am scared that since I have been working all year and saving up all my money, OSAP will take away all my grants. I am trying to apply for every scholarships but I don't meet the requirements for the majority of them. If OSAP takes away my grants, then I will not be able to afford school at all. Staying home for school isn't an option, because they don't offer the program I want at my local university. I save every penny I can and I never spent money on anything that isn't 100% necessary (not even coffee). I didn't get that much to begin with, but considering how much I'll have saved up during the school year, OSAP will probably take it out of the money they give me, starting with the grants. Is there any way I can make OSAP understand my situation and have them consider the fact that my parents are not helping me whatsoever?
Note: I originally didn't plan on taking a gap year, so I applied to OSAP and the final amount given was $7000 less than what I needed. Depending on how hard the school is and the work load, i'm not sure what kind of hours i'll be able to work during the school year and since I have to move away I won't be able to keep my job, so I'm not sure how long it will take me to find another one, meaning I could be out of work for a long time (it took me 10 months to find the job I have now). I'm also not sure whether or not my current job will allow me to come back during the summers (they typically don't do transfers so that's not an option either). I'm not just the first year i'm worried about but the three subsequent years as well (maybe more depending on whether or not I decide to get my masters). I know I should have started looking for a job earlier on but it's too late to do anything about that. If anyone has any tips or suggestions on what I can do about OSAP please let me know. Thank you!
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A photo of Anonymous Anonymous
Dude, just work for like 10 years straight full-time and then you'll have enough funds available so that you won't have to rely on OSAP. There are plenty of mature students in university, so it's not really a big deal.
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A photo of Anonymous Anonymous
Thank you! I appreciate the advice but that's not really something I want to do or can do (you need to start young and work your way up in the field I want to go into). Plus, if I wait ten years I don't think i'll end up going back to school at all.
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A photo of Anonymous Anonymous
-Get a higher paying job. Try tutoring or babysitting. The rates are crazy. See if you can be in-house nanny as well.
-Make a go-fund-me page.
- Live FAR away from your universities. The rent's usually cheaper back there. Consider getting a 2-room apartment and share with 4 people. That should significantly lower your rent. BTW see if you can get rent. I don't know if your parents can co-sign with you.
-Buy fresh foods EARLY. There's a stack of food usually in supermarkets that are decreased 25-50%, so just cook it soon.
-Consider a bike instead of bus. Passes can be expensive in some places.
This should run a cost of $15K a year. If you put a tutoring rate at $13 and continue it, you should be able to make $12K a year. Try to rack up as many scholarships as you can then.

Hope this helps :)
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A photo of Anonymous Anonymous
Thank you. I tried making a go-fund me page last year (before I planned on taking the year off to save money) and didn't get any funds. I do babysit occasionally and most people do not pay that much but I will look into tutoring. My job pays slightly above minimum wage and with it raising to $14/hour in January I should make a fair amount during the year. My issue is that if  OSAP gives me as little as I expect, then I will have to use all of the money I saved up during the year (or at least most of it) on my first year and will have little to nothing saved up for the next year and won't be able to afford it again. Thank you for the advice (you were the most helpful by far).
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What is common with students entering professional schools is taking out a line of credit. However, you should be aware of the risk that comes alone with incurring debt at such a young age. (Just wanted to throw that idea out there). 

Out of curiosity. What program are you looking into that is so niche you need to live away from home?
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A photo of Anonymous Anonymous
Thank you! It's not the program but where I live.There's only two options of post secondary schools that I can attend without moving away and they're both an hours drive. There's a community college, which does offer the program but the job I want requires a minimum of a bachelors degree, which I can't get from college- so that's not an option. Then there's a university, but it's extremely small and doesn't offer that many programs.
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A photo of Anonymous Anonymous
Your situation is not unique. The maximum you can get from OSAP is 14-15k. That is not enough for most students living away from home for university. Many of my friends took out bank loans. I'm surprised nobody has told you this already. I took one out myself as professional school alone cost me 100k over a 3 year period.

P.S. Break down your post into paragraphs. It was difficult to read. 
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A photo of Anonymous Anonymous
You're in professional school and you're complaining that OP writes using a wall of text?
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A photo of Anonymous Anonymous
^

Nothing wrong with making an overlong paragraph more accessible and easier to read for students. OP would have probably gotten more responses if people bothered to read his or her wall of text. 
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A photo of Anonymous Anonymous
Thank you! Sorry about the paragraph thing. I should have broken it down, but I was really tired when I wrote it and not thinking straight. I tried to get a bank loan last year but wasn't able to because I don't have any credit and I don't have anyone to co-sign the loan.
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