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AMA: Brock BAcc Graduate, Carleton MAcc Graduate, Big 4 Employee
My name is Neal, and I graduated from Brock's Bachelor of Accounting Co-op program in 2016 and Carleton's Master of Accounting program in 2017. I was a yconic Student Ambassador for 2016-17. Although I work full-time at PwC now, I'm still around answering questions about accounting as a career and universities. 

My co-op work experience includes:
-Corporate Accounting, Henkel (Germany)
-Assurance and Tax, Collins Barrow
-Risk Assurance, Ernst and Young

I currently work at PricewaterhouseCoopers in Assurance. . 

A snapshot of my time at Brock:  
-Served as an executive for several clubs  
-Participated in numerous internal/external case competitions and conferences  
-Served as a Tutorial Leader for Brock's first-year Macroeconomics course  
-Inducted into Beta Gamma Sigma (the top 10% of Goodman get invited)  
-Did co-ops and internships with 3 different companies in corporate accounting, assurance, tax and risk assurance located in Germany and Canada  
-Participated in a short-term exchange to France  
-Volunteered for the business school's Career Services office, where I critiqued students' resumes  
-Lived in residence (first-year) and off campus

A snapshot of my time at Carleton:  
-President of the Sprott MAcc Society  

Feel free to ask me questions below! Or you can add me on LinkedIn if you'd like to send a private message (https://www.linkedin.com/in/nsengupta).
OSAP- parents income

just wondering if anyone knows any tips for when applying to OSAP? My parents do make quite a bit of money  and so my total always ends up being $0 that OSAP can give me. Does anyone know what I can do to finesse the system?
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I plan to go into Social Work.  I have gotten into McMasters Social Sciences program, University of Windsor’s Social Work program and Wilfred Laurier Social Work program.  I recently decided that I want to take a year off in order to make money for school as it would be difficult for my family. I have already emailed those three schools and they said that they grantdeferences very rarely for outstanding circumstances.I am aware that OSAP is an option but I feel that if I deferred I could avoid most student loans.  I had a 92% average for first semester so if I took a year off I should be able to get into any Social Science program as the average is typically 75-80%.  Would it be a good idea to take a year off? I’m not 100% sure about going into Social Work so the tear off could be a chance for me to pick a field I would be committed to as well as make money to pay for school.
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OSAP 28-19
When is the last day to apply for OSAP for the york u 2018-19 ?
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AMA: McMaster Health Sciences, Level 1 Student
Title says all. I empathize heavily with the premature, second-week-of-Grade-12 anxiety about university admissions. Not to mention, I relied on these forums to ease whatever feelings I had last year, so it's only natural that I give back.

Seriously, AMA. (ex. What Grade 12 courses did I take? What are some tips for the supp-app? What is BHSc even like? Is it the right program for me and my learning style?) 

Even if I'm not  the best source of info regarding a topic, I'm surrounded by enough people everyday that someone's ought to have an answer for you.
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When to apply for OSAP
Hi, I'm currently in high school (grade 12) and I'm  wondering when is the appropriate date to start applying for OSAP. I have not received any offers from any post secondaries yet, so is it still possible for me to apply now?
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does anyone know if you can apply for osap even if you haven’t accepted your offer for uni. im still waiting to hear back from my top choice and i may not hear back until after the osap deadline. does anyone if you can still apply without accepting an offer?
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OSAP deadline
Anyone know when the deadline to apply for OSAP is?
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Single Mother, won't qualify for OSAP
I'm starting school this fall, but I won't qualify for OSAP because I was a moron with my last loan. I have two young kids and I am dead set on going, but I am having a hard time figuring out how to manage the money. The only way for me to qualify would be to pay back a total amount of $6,683.50 and I am on maternity leave right now. Any suggestions on what I can do?
Can OSAP Cover my Rent?
I'm planning on attending Laurier and I live in Brampton. My family together makes 90k a year but with personal situations, my parents basically live pay cheque to pay cheque. If I move out I want to live off res and I'm not going to be working because my program will be heavy and also my parents will clearly not be able to help me. Does anyone know if I'd be able to get my rent covered my osap?
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Am I supposed to apply for OSAP after I've chosen my program?
So, I went some of the steps and got to this one part where I needed to fill out information about each university but I was wondering, am I only supposed to fill this out for one of my choices when I choose which one or am I supposed to go through each and every one, filling out the info? If anyone who's been through the process/knows how it works can help it'd be appreciated!
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OSAP Application Question
Hey, so I was just wondering if anybody else applied to OSAP with more than one application for the same university (two different programs)? I applied and it only let me submit one program's application, so I don't have an OSAP application for my other program at the same university. Just wondering if this is normal. Thanks :)
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can i get more money from osap?
So i was initially taking 3 courses this semester, then osap gave me the money for the 3 courses, after they gave the money i added 2 other courses, will i be able to get extra money from osap in order to pay for the other courses?
Study tips
So how do you guys study for adv fund, biology, religion, calcu, chemistry, and English exams ? How long do you guys study for? When did you start studying? What resources did you use? Has anyone got perfect on their exam? These are all grade 12 courses and with first semester finals being important as fuck.. just wondering how much more I can do. Good luck on exams guys, hope you do as well as you want. Hopefully first year students can share their lucky tips. :D
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How to hand in MSFAA?
I know i have to take it to a post office but do i have to put in an envelope and if i do, who do i address it to?
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#Askyconic - What to Expect from University or College
Should you live at home or rez? Is attending Frosh worth it? Is it hard to make friends in uni? When am I expected to pay for tuition? how do manage my loan?

First year is a challenge, but you are up to the task! With a little help from our student hosts...

Follow us and join us on Facebook LIVE for a very special edition of #Askyconic on Wednesday August 2nd at 6 pm EST. as our student hosts answer all your questions about starting post-sec.

No question is too hard or stupid. Leave 'em all in the comments below! Don't forget to come back to this thread after the show, as we will be posting the resources we shared. 

PS. Be nice! Inappropriate comments will not be tolerated.
Osap Free tuition question
My parents make less than 30k combined and osap knows that but my I'm only getting 5k in grants and 5k in loans. I thought I would receive free tuition from osap.

Thanks for the help 
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Current Carleton Student, Ask Me Anything!
I found that these threads really helped me when choosing the schools I would apply to and eventually attend, as I was getting the point of view of a current student. A little about me, I am in the Honours Math program studying Stats with a concentration in Actuarial Science, I also live in Residence. 
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will osap cut off my funding
So I go to mcgill, I am taking 4 courses currently, I am doing good in everything except one course, I got a 22 on the midterm. I feel like I will not pass the course. If I drop the course will osap cut my funding?
OSAP Question
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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OSAP Asking for Proof of Academic Progress

I just received a letter in the mail asking me to provide proof of academic progress because they are claiming I'm not maintaining satisfactory academic progress. In my first year (2015-2016) I was in four courses in the fall and then in the winter I attempted to take five, which resulted in me withdrawing from two. I never got a letter, as I was still considered a full time student with a permanent disability. 

However, in the fall of 2016 I received a concussion that forced me to withdraw from my three classes upon medical advice. I returned in January 2017, so I never entered loan repayment as I was only off for two months roughly. I took my three courses in the winter and then another three in spring and summer. Financial aid is saying that because I took spring and summer I was required to have 21 passed credits to remain eligible for OSAP instead of the usual 18. I'm really stressed out because without funding for winter I will have to drop out, which would mean I'd lose my on campus job as I need OSAP to be able to keep that job. 

If I write the letter of proof outlining why I was off as well as that I am healthy and participating in classes now (and my averages are much higher, I'm at a 3.2 GPA) as well as get a note from my doctor do you think that'll be enough to have my funding reinstated? This is the first time this has ever happened. Thanks! 
Financial Aid: How are you paying for school?
Hey everyone! I am one of your yconic Student Ambassadors for this school year. Today I will be discussing financial aid and sharing my thoughts on how you can pay for school.

Before you even apply to university, you have to pay fees to get your applications processed. In some cases, you might even have to pay more to complete supplementary applications (Check out my post last week about university applications: http://bit.ly/2jKJt6m). Unfortunately, this is only the beginning. 

I am currently in my third week of university and have spent A LOT of money. Textbooks alone can cost you hundreds of dollars. Thankfully, there are many ways for you to finance your education. 

1. OSAP (Ontario Student Assistance Program) 

OSAP is a financial aid program set up by the government to assist families and students to fund their education. You get grants and loans from OSAP and the amount depends on your family's income. That said, you might qualify for FREE tuition. 

When you're applying for OSAP, hand in your required documents ASAP to ensure that your OSAP money comes on time to pay your tuition and buy your course materials. 

Check out this page to get more information and to calculate roughly how much you can get from OSAP: https://www.ontario.ca/page/osap-ontario-student-assistance-program 

2. RESP (Registered Education Savings Plan) 

An RESP is like a savings account for your parents to contribute to for your post-secondary education. In addition to the amount your parents contribute, the government adds to it as well. 

3. Bank Loan 

Getting a bank loan is another option to help you pay for school, especially if you'll be studying as an international student abroad. It is important to note that the interest rate might be higher than OSAP and varies from bank to bank. 

4. Part-Time/Summer Job 

Working part-time or having a summer job is a great way to save and pay for school. It definitely helps reduce the amount you have to borrow to pay your tuition fees and course materials. An added bonus is that instead of asking your family for money, you have your own to spend for textbooks and of course, food! 

5. Scholarships and Bursaries 

Free money is awesome! Bursaries are offered to students who demonstrate financial need. Just like OSAP, it takes your family income into consideration. A lot of post-secondary institutions have a financial aid section on their websites, which gives students information on how to apply for them. 

In addition, you can get an entrance scholarship, which is based on your Top 6 for Grade 12. They might range from $500 to $4000 though it depends on the post-secondary institution. This is one of the reasons why it is important to maintain your grades after getting accepted into your program of interest. 

There are many scholarships available here on yconic, so if you're reading this, I would highly recommend that you start applying to them. Last year, one thing that I found surprising was the fact that many scholarships go unclaimed due to people not applying for them. Writing essays might seem unappealing and a lot of work now, but your future self will be thanking you later for doing so. 

Let me know in the comments how you plan to or are currently paying for school. If you have any questions, please check out my AMA as well: http://bit.ly/2fknIsA 

Hope to hear from you soon! 

Alyssa Vidal 
yconic Student Ambassador
Can I pay OSAP back while I'm still at school?
Is it possible if I can pay OSAP back after the school year is done? Let's say I have extra money left in the bank. I usually don't need all of it since I have the same summer job every year. 

Is it possible if I can give the money back to OSAP? Will it do anything? 

I'll still be going to school in the next 2 years. I'm still going to apply for OSAP for the next two years.  I just don't to make the wrong choices. I'm trying to make my debt lower as I can before I graduate. 

Also, I don't work part-time, just the summer. 
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