Government student loans (OSAP in Ontario, but every province has a program) do not collect interest while you are still a student. So going from undergrad to dental, you wouldn't accumulate interest. Student lines of credits from banks DO require you to make interest payments while you are in school.
Keep in mind that the government loans are based off of your "assessed need" based on things like your parent's income, your savings, etc. Lots of people seem to be under the impression that they will pay for everything. They won't. The most you can get for a typical 34-week university program is $11,900 right now. DO talk to your parents about what they are willing to help you with. DO get a job and save up money if they aren't able/willing to help you much. On the
"Access Window" portion of the OSAP site there is an estimator for Ontario; Canlearn.ca used to have an estimator for all provinces but I'm not sure if they still do.
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And if after that I want to go to dental school, then what? Will my undergraduate debt still be collecting interest? Or is it all accumulated?
You can use OSAP for up to four years, but the interest starts accumulating after you've left full time university studies for a while (I think it's something like six weeks). So if you're in dental school you might not be able to use any more OSAP, but it wouldn't be collecting interest yet.
That is false. You can get
OSAP for up to 340 weeks of postsecondary study, + 60 weeks if you do a PhD.. 340 weeks would be 10 years of a typical 34 week undergraduate program - or 6.5 years of 52 week years (Dental programs may have more weeks, and for graduate programs it's usually based on 52 weeks). You may perhaps be thinking of the QEII scholarship that comes through OSAP, which is limited to 4 years.
For interest, it starts accumulating as soon as you
stop being a full time student, however you are not required to start payments for 6 months. I believe that, assuming you finish your undergrad in April and start Dental school in Sept it works out just the same as if you were
still in undergrad, but if you go longer than 6 months between the programs you may have to start paying interest or apply for interest relief.
Remember that it often takes just as long to do a search or two on Google to try and find the answer to your question as it takes to type it in a post here, let alone the time waiting for a reply.
If your question is "What mark does it take to get into University X", or "What are the requirements to get into University X", it's on their website and/or
electronicinfo.ca (for Ontario schools). Particularly for Ontario schools, those ranges are a pretty good picture of what kind of mark will get you into the program, and if you're more than a couple percent higher it's practically guaranteed unless it requires a supplementary form.
