I came to Canada as a young refugee with my very strong intent to get adapted and immersed into the Canadian society. At the time OSAP was the only means to afford my undergraduate and master studies. As grateful as I am to receive a government loan as an option to pay for school, I am still 50K in debt in my mid 30s and struggling to create a stable future. I am a first generation Canadian now wishing that even 13 years after I first arrived to this country I could have a fresh financial start. Hopeful wishing!