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Student Help Brands
Hi . Has anyone here got a car loan when they were a student? I am sure you won't get the loan from the bank since you don't have any credit score. You will have to approach a bad credit car loan company like this one: https://www.barriebadcreditcarloans.ca/. How much interest do they charge you?
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Dating: Long Distance
PLEASE READ! Long distance relationships are not what they are portrayed to be. They are not as hard, emotionally draining, or as impossible as people assume. Right now, I am living 3 hours away from my boyfriend (who plays a varsity sport). We see each other once or twice a month. We are both happy, both with room to live our own lives but always being able to catch up at the end of the night. We still love each other, nobody has been unfaithful, and it is relatively easy. The time we spend together is always quality time, and I do not regret staying with him.If you love someone and think you they could be the person for you, go for it. The worst that could happen is that it doesn't work out and you part ways. It is entirely possible, do not give up just because of what you THINK might happen.

Pros of a long distance relationship...
1. The time you spend together is really exciting and precious
2. You have the freedom to be yourself and make friends on your own terms
3. You always have lots to talk about with your S/O because you're apart during the day
4. It tests whether the relationship is really worth it
5. Meeting their new friends means more friends for you!
6. Sex/physical intimacy is so much better when you've been waiting for it
7. It will show you how much your partner really values you
8. You don't need to pick between your friends and partner during the week
9. It helps keep you focused

I hope that this helped anyone that needed to hear it.
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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).
Buying a car
I am 21 years old and a final year computer science student. I am planning to buy a car for my daily transportation. My GPA has been above average throughout. I work part-time after college. I know it's difficult for me to get a car loan since I'm not a full-time employee. So I am planning to approach a bad credit car loan provider. I've heard this loan provider called Hamilton Bad Credit Car Loans (https://www.hamiltonbadcreditcarloans.ca)is good. 
Do you know their interest rate? I want a loan provider with low-interest rate. 
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Haven't gotten osap money yet help!
I went on nslsc's website and they said my grants were disbursed to me on august 31st and sept4th but I still don't have it...  I tried calling them but it was useless because their phone line is just a bot giving out useless suggestions.

I also opted out of the loan option but on the website it says the loan has also been disbursed to my bank account.....

help, idk what to do
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Social Assistance and OSAP
Would applying for Social Assistance reduce the amount of OSAP money I receive?
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OSAP Question :/ ?
My parents make about $25,000 and I recently applied for OSAP. After applying the estimate was I keep $6700(grant) and pay back $4500(loan), total $11,200. I thought I would be eligible for free tuition but according to the website I have loans. The other calculator said its free because income is less than $50,000. 
I'm super confused, how will I know if my tuition is free? am I going to get an email or message in September?
I don't mind if I am paying back, I just need to know how much I should make and find a job because I don't want to stress my parents out, they're already in financial trouble and do so much for me. If I'm paying back I need to change my schedule so I work more days and pay my fees by myself. Or is tuition not fully free and you pay loans no matter what? I really dont know how osap works..: please lmk if you know anything :)
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Student loans help ASAP
So I got into uofa pretty late for eng and got an offer from Peter lougheed for a private room shared washroom. The rent is a hefty 2052 a month and I have no choice but to stay there as I'm leaving my home city to move there. What I'm concerned about is student loans and if they'll give me enough. I did the calculations for uofa tuition costs including residence and it came out to be about 25k. I don't have any resources and concerned that I won't receive enough funding. What should I do. Part time job would be difficult cause i have 6 courses a sem so any other options?
Has anyone gotten a line of credit without a co-signer?
Has anyone gotten a student line of credit for an undergrad program without a co-signer? If so, where, how, and what amount did you get?
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Loran Award - Finals/National Selection
Hi everyone! I just discovered that I am one of the finalists for the Loran Award! I just have a few questions:

 1. Are the interviews in finals different from regionals (are they more tricky, the time you spend in each interview, and how you are divided into groups)?  
2. What to dress for finals?? - I am seriously nervous about this part because there is no mention about the dress code. I don't want to come over-prepared because I'm thinking of going business formal.  
3. Do they ask you questions from your application anymore? - Because I also have to fill out a questionnaire prior to finals, and I don't know if they still go through my original application.  
If you are a previous Loran Scholar or Finalist, or if you are one of the finalists this year, it would be awesome to have your support! Thank you so much in advance! <3
Reality of Lawyers
Hello Everyone!

I was just wondering what type of job aspects I am really looking at with becoming a lawyer. I have a few questions (some of which will be very ignorant --> disclaimer), but I would profusely thank you for your honest responses.

1) I was interested in taking up law as a graduate degree (after an engineering degree in software engineering or computer science. Do you really think it is worth it that with an engineering background, I spend a few more years studying for law rather than focusing my attention towards attaining a secure job?

2) I have read that most lawyers, when they start out, need to go through several years of paperwork filing, etc before actually becoming prosecutors/lawyers, etc. How many years are we talking about pre-lawyer. 

3) I want to focus on either Family Law/ Criminal Law. Okay, ignorance full speed ahead:
----> Which type of a law practice is easier to pursue.
----> Which practice pays the best (not only limited to these two).
----> While doing criminal law, is the safety of prosecutors/lawyers guaranteed? Sorry I watch too many crime shows and see lots of lawyers getting into trouble : /
----> Do you have to be absolutely confident with your oral abilities? I mean I do get a little flustered at times (I'm improving significantly however), but I am somewhat confident about my writing abilities. 

4) How many years before actually becoming a prosecutor? I am looking to becoming a prosecutor, which is better prosecutor/lawyer?

5) If you are a lawyer/prosecutor, etc. Do you get to investigate the scenes of crime or are you just in charge of the necessary paperwork.

6) How hard are the bar exams? What are the probabilities of passing/failing? I have searched some practice tests online and although I am just in high school (gr12), I don't find some questions to be so challenging (not all are easy of course). I may be on the wrong site or something but I just want to get an accurate feel of what its like to have a profession in law.

 Honestly, I don't know if it will be worthwhile that after I get an engineering degree, I start adding a huge loan and get my master's degree under law. Any help would be much appreciated. Thank you so much in advance!

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Can I Get In!?
Here's some information and I'd love some opinions on whether I could get into the following schools for BA (either PoliSci or International Studies depending on the school).

Schools I'm applying to:
UofAlberta, UBC, McGill, UofT, Queen's, Waterloo, UVic, Dalhousie

Grade 11 Average - 92.6%
Grade 12 courses taken:
Law - 96%
Earth & Space - 90%

My current very preliminary sem. 1 looks like:
English - 92%
Chem - 85%
Business Leadership - 95 %
(91%ish average so far)

I'm in my second year as Student Senator of the school and second year as one of two student trustees in my school board, I volunteer with heart & stroke and cancer society, I've done six years of work with Me to We, I lead the Gender/Sexuality Alliance within my school... etc.

What do you think my chances of getting to those schools are? Scholarship possibilities? Thanks! 

PS no "trolls" please
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How do you plan on paying for post-secondary?
How are you (Grade 12's) planning to pay for post-secondary education?

Some of you might have: 

Comment below on how you are paying up for university or college!
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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Question for TD Scholarship
This maybe a stupid question that my friend asked, can you upload a picture of the letter of recommendation for the TD Scholarship
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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
housing questions for past and present UBC students!
Hey! UBC is one of my top schools that I want to attend in the future but the housing situation is making it hard for me to make a decision. As you all probably know the rent rates in Vancouver are craaazzzy high so I was wondering if any past or present students could answers my questions about residence and renting. 

 1. how many of you were accepted into residence in 2nd, 3rd, or 4th year? 
 2. would you recommend living in residence any year other than 1st? 

 1. how much was your rent?
 2. how many roommates did you have? 
 3. how close to UBC were you/how long did it take you to get to school? 
 4. how hard was it to find a place to rent? 

Also just a general question, how were you able to afford university at UBC?

 Thanks for taking the time to read this, I really appreciate it. :)
Should I stay Home or Live on Res?
So Im from Scarborough and will be attending York University this fall. I consider myself as an outgoing person and fun to be with and I will be commuting from home in about 1 hour and 20 mins. Do you think I should commute or live on res?
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Will it make a difference in the amount of grants and loans I get if I'm a part time student in my last semester versus a full time student in high school? And when is the deadline for osap?
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New Osap question
So apparently you get free money and a loan. Is it possible to just get the free money and not the loan?
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Having a job while studying architecture???
I'm planning on studying architectural science at Ryerson next year, although I haven't yet heard back, and I am wondering if current students in the program or other arch programs have time to work. The program is a lot and I would be moving across the country to go there, so I'm trying to find as many ways to save and earn money while at school.

Also what is the best way to deal with student loans and debt??
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OSAP Eligibility - Please Help!
HI all,

I am moving out of my parents' house permanently starting September and will be returning for my fourth year of studies the following September 2018. During this one year of time, I will be 100% financially independent from my parents. My parents currently make too much for me to be eligible but I will need to apply for OSAP so I can afford my last year of school. Will OSAP consider my financially independent? Any help is greatly appreciated!! 
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Is it worth it for me to move out for my undergraduate degree?
I calculated that it will cost me $10 000 for each school year's living expenses (renting an apartment alone, food, utilities, personal expenses). I believe this summer I can make $3900 working 35 hours per week and $7000 working 20 hours a week during the school term. Total: $10 900 for the first school year. This is with a minimum wage job.  I'll have four months between school years during which I could move home and get a full time job (40 hours a week, $8100 minimum wage). Total: $15 100 for each of the last three years, maintaining minimum wage. By grad school I would have accumulated $56 200. Take away the $40 000 per year, I would be left with $16 200 after earning my undergraduate degree. Now I could get a higher paying job or work more hours between school years, but this is the minimum amount that I am expecting to earn. 

Is it worth the money to leave home? I believe it would be a better experience if I moved out. I cannot live at home if I go to my first choice, which is in Ottawa. Otherwise I would live with my parents in Oshawa. I'd save $40 000, but is it worth it if I am unhappy? Do I really need to save up if my parents are paying for the education?

OSAP estimates that I would get $2300 grant and $6900 loan if I go to Ottawa. I am also from a middle class family. I don't think I qualify for any scholarships, aside from entrance ($2000 per year).
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