I've found, for myself, that paying more than one installment with OSAP (i.e. in September and then January) works out better. Since I'm getting roughly 6k in September from OSAP, and my tuition is 6k, then I'm left with barely any money. If I pay in installments, I think last year I had to pay 3500 in September, then I have money left over for rent & food. But I mean, it all depends on your situation. Just think about what's good for you.
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