To be clear, if you chose OSAP you will only owe the difference between OSAP and what you owe for first installment.
I know this is from 2011/2012 but they havent updated that link for 2012/2013
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PLEASE NOTE: Our office takes into consideration that release of funds from OSAP may not happen until after our payment deadline date of September 1st. If you applied early and the Payment Agreement reads your “issued” amount, the amount indicated as owing for Sept 1 will be the amount that OSAP DOES NOT cover. You will need to prepare to pay this on your own by September 1. Your personal payment does not arrive by September 1st, a $35.00 Flex Plan Fee will be assessed to your Student Account.
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If you chose payment in full
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If payment is not made in full by September 1, a per-term $35.00 Flex Plan Fee will be automatically assessed to your Student Account for EACH term there is a balance carried.
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Now not to be confusing but after some more research to give you quotes
Under OSAP Flex Plan
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4. The first per-term $35 Flex Plan Fee will be automatically assessed to your student account.
Due to all the changes with OSAP this year, we understand that release dates of OSAP funding may not correspond with our September 1 payment deadline date, so students will need to ensure payment is made before September 15.
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Thank you Mac for not be confusing