OSAP, both husband and wife applying

[alex6999]

Hi, we are couple and we gave 2 children and we have very little income. we both citizen
If we both goes to study English online full time, that we get?

OSAP Estimator
https://osap.gov.on.ca/AidEstimator2425Web/enterapp/enter.xhtml
shows for 15 weeks program
Grants 11100 and Loan 5300, total 16400 with 2 children
and Grants 4500 and Loan 4800 total 9300 with no children.
If we both apply, does it means only one of us received children allowance? logically I think NO.
In August our third children will be born

with sep-april program we receive
26700+11700
8700+10400

and summer program
12100+5300
3400+4600

this will be 50900 loans + 27000 ontario child benefits = 77900
and 32000 depts.
where my portion will be only 12100 and 15000 depts.

If we both taking ESL for 1 and half year, than 4 years university

My wife will finish education in 47 years and probably can find work and return 85K
I will finish education in 53 and will have 75K dept.
I still dont know should we apply together or just my wife?

If we both start full time study, we need to hire someone who will pick child from daycare, meet children at bus
this will eat my portion of grants

And second question
What program to take as online ESL education?
3 option, Seneca, Sheridan and Conestoga
My wife have ESL certificate with 5565 marks and I have nothing.

 

[scylla]

Hi, we are couple and we gave 2 children and we have very little income. we both citizen
If we both goes to study English online full time, that we get?

OSAP Estimator
https://osap.gov.on.ca/AidEstimator2425Web/enterapp/enter.xhtml
shows for 15 weeks program
Grants 11100 and Loan 5300, total 16400 with 2 children
and Grants 4500 and Loan 4800 total 9300 with no children.
If we both apply, does it means only one of us received children allowance? logically I think NO.
In August our third children will be born

with sep-april program we receive
26700+11700
8700+10400

and summer program
12100+5300
3400+4600

this will be 50900 loans + 27000 ontario child benefits = 77900
and 32000 depts.
where my portion will be only 12100 and 15000 depts.

If we both taking ESL for 1 and half year, than 4 years university

My wife will finish education in 47 years and probably can find work and return 85K
I will finish education in 53 and will have 75K dept.
I still dont know should we apply together or just my wife?

If we both start full time study, we need to hire someone who will pick child from daycare, meet children at bus
this will eat my portion of grants

And second question
What program to take as online ESL education?
3 option, Seneca, Sheridan and Conestoga
My wife have ESL certificate with 5565 marks and I have nothing.

This is an immigration focused forum and I'm not sure you'll get responses. I would recommend looking for a forum that is focused on OSAP or maybe a reddit discussion on this topic.

 

[canuck78]

Hi, we are couple and we gave 2 children and we have very little income. we both citizen
If we both goes to study English online full time, that we get?

OSAP Estimator
https://osap.gov.on.ca/AidEstimator2425Web/enterapp/enter.xhtml
shows for 15 weeks program
Grants 11100 and Loan 5300, total 16400 with 2 children
and Grants 4500 and Loan 4800 total 9300 with no children.
If we both apply, does it means only one of us received children allowance? logically I think NO.
In August our third children will be born

with sep-april program we receive
26700+11700
8700+10400

and summer program
12100+5300
3400+4600

this will be 50900 loans + 27000 ontario child benefits = 77900
and 32000 depts.
where my portion will be only 12100 and 15000 depts.

If we both taking ESL for 1 and half year, than 4 years university

My wife will finish education in 47 years and probably can find work and return 85K
I will finish education in 53 and will have 75K dept.
I still dont know should we apply together or just my wife?

If we both start full time study, we need to hire someone who will pick child from daycare, meet children at bus
this will eat my portion of grants

And second question
What program to take as online ESL education?
3 option, Seneca, Sheridan and Conestoga
My wife have ESL certificate with 5565 marks and I have nothing.

Given 3 children and likely age it makes almost no sense for both of you to do an ESL program and a 4 year uni degree full-time. You also can’t claim dependents twice. It appears as though you feel like you both studying will give you a financial advantage compared to current situation which is very unlikely to do. Are you both currently working? Why are you not focusing on doing a college program that will lead to employment right away. A bachelors degree doesn’t always lead to a job or higher paying job than a college degree.

 

[alex6999]

maybe a reddit discussion on this topic.

thanks, will try

Are you both currently working? Why are you not focusing on doing a college program that will lead to employment right away. A bachelors degree doesn’t always lead to a job or higher paying job than a college degree.

Wife not working, I am currently almost not working, on call work, some cash income from different sources, some business income.

I limited to Georgian, Orillia campus or Lakehead in Orillia, all others is too far

 

[canuck78]

thanks, will try


Wife not working, I am currently almost not working, on call work, some cash income from different sources, some business income.

I limited to Georgian, Orillia campus or Lakehead in Orillia, all others is too far

Why is your spouse not working? Have you looked for other employment? One of you can work while the other provides childcare and alternate. Maybe not what you want to do but you don’t have many options. You seem to be be viewing attending school as financial beneficial to your family but you are not accounting for many additional costs and the fact that although you qualify for substantial grants you still will have significant loans at the end if you do an ESL course to hopefully raise your language level enough to attend a 4 year university program. The ROI is just not there.

You should be targeting a program like skilled trades which should lead to employment much faster and may not require ESL course. Would speak to local community about what trades are in demand and pay expectations. What is your education and work background? How old are you and your wife? Once you finish or are working you and your children are old enough to attend school then your wife can look into going to school only if it will lead to a much better paying job.

https://www.georgiancollege.ca/academics/apprenticeships/#about

 

[alex6999]

Why is your spouse not working?

We live in Muskoka, job market is no good here. We have 2 children, and she pregnant.

Second car will cost let's say $500 per month. If children sick she must puck from daycare or stay at home. Who will hire her?
And how much she earn?

Yes, sometime I work, I also have cash business, and not enough jobs here and I need part time, I need help at home.

You seem to be be viewing attending school as financial beneficial to your family but you are not accounting for many additional costs and the fact that although you qualify for substantial grants you still will have significant loans at the end if you do an ESL course to hopefully raise your language level enough to attend a 4 year university program. The ROI is just not there.

Yes, you right, but payment schedule for repayment is very flexible, if no work and low income, payments also will be low. If good work - problem will be solved.

skilled trades

$20 per hour?

What is your education and work background? How old are you and your wife?

Me, 48 years old finished university in Belarus in Computers.
Come to Canada in 2002 and did not found work, so many people without work.
Got truck driver license and start driving long distance. Easy $5K in 2003 this was good. After my wife become pregnant quit. Yes, trying some local jobs, even driving fuel truck, but it another story.

My wife 42, finished university in Belarus, something economic like.

Yes, I can use some credits, with my education I can complete cover mathematics, physics etc.

Skilled trade not really looks good for me

 

[canuck78]

We live in Muskoka, job market is no good here. We have 2 children, and she pregnant.

Second car will cost let's say $500 per month. If children sick she must puck from daycare or stay at home. Who will hire her?
And how much she earn?

Yes, sometime I work, I also have cash business, and not enough jobs here and I need part time, I need help at home.




Yes, you right, but payment schedule for repayment is very flexible, if no work and low income, payments also will be low. If good work - problem will be solved.



$20 per hour?



Me, 48 years old finished university in Belarus in Computers.
Come to Canada in 2002 and did not found work, so many people without work.
Got truck driver license and start driving long distance. Easy $5K in 2003 this was good. After my wife become pregnant quit. Yes, trying some local jobs, even driving fuel truck, but it another story.

My wife 42, finished university in Belarus, something economic like.

Yes, I can use some credits, with my education I can complete cover mathematics, physics etc.

Skilled trade not really looks good for me

Why are you paying for daycare if your spouse is not working? You may want to be at home full-time but many have to sacrifice to provide for their family and so are not home everyday. Do you ever want to afford to retire? Student loans in your late 40s for ESL and bachelors degree makes no sense if you have to take out loans. The only thing a bachelors in math or physics typically leads to is a masters degree. Finding employment as a new graduate in your mid 50s with minimal Canadian work experience will likely be incredibly challenging. OSAP is not a welfare program. Most parents returning to study also work at the same time and you are probably better off being a truck driver if you will never be home while working and studying. Under what program did you move to Canada? Why can’t you move?