When do i pay help

The interest relief stage is available for up to 60 months, or until you are out of school for 10 years, whichever comes first. If you are not required to make any payments at all during this stage, the governments of Canada and Ontario will cover your entire monthly interest charges and your loan principal would stay frozen. The debt reduction stage occurs after the interest relief stage, which is after you have received interest relief for a minimum of 60 months or you have been out of school for 10 years, whichever comes first.

The governments of Canada and Ontario cover all monthly interest and principal amounts not covered by your payment. Their payments would ensure your debt is eliminated within a maximum of 15 years from being out of school, or within a maximum of 10 years if you have a permanent disability.

If you were confirmed to have a permanent disability when you applied for OSAP while you were a postsecondary student, you do not need any further documentation. If you were not confirmed as having a permanent disability when you applied for OSAP , you will be required to complete a Verification of Permanent Disability form.

You will also need to provide medical documentation to support your permanent disability. If you have a permanent disability, you can apply to the debt reduction stage immediately when you enter repayment, without receiving any interest relief as part of stage one. The governments of Canada and Ontario help borrowers who have permanent disabilities pay off their loans in 10 years. You can also provide documentation to have your disability-related expenses considered when your affordable monthly payment is calculated.

To do this, you must:. This will lower your monthly payments, but it will increase the total amount you repay because more interest will accumulate over a longer period of time. If your income increases or expenses decrease, you can shorten the repayment period and make larger monthly payments. These include:. Pre-authorized debit: activate this option online to automatically make student loan payments every month.

Repayment notice: important information about your repayment terms, such as amount owing, repayment start date and repayment amount can be found by accessing the repayment notice feature online. Virtual repayment counsellor: a virtual repayment counsellor can help you identify the best repayment path and ensure regular, timely loan repayments. The Financial Consumer Agency of Canada offers a wide range of financial literacy tools and resources, such as videos and modules, to help you increase your financial knowledge and learn about effectively managing your personal finances.

If you received OSAP loans for the academic year, you will not owe more than:. Go to the Ontario Student Opportunity Grant page for complete details. An OSAP loan is considered to be in default when no required payments have been made for days. Prices shown are in U. If you are paying for your order with an international Visa, MasterCard, or American Express credit card, please note that the purchase price may fluctuate with exchange rates.

Apple may, in its sole discretion, refuse or cancel any order and limit order quantity. Apple may also require additional qualifying information prior to accepting or processing any order. The Apple Store reserves the right at any time after receiving your order to accept or decline your order for any reason. If Apple cancels an order after you have already been billed, Apple will refund the billed amount.

We will, however, work with you to ensure a smooth delivery. As Apple takes care of the dispatch of the products you purchase on the Apple Store, the risk of loss of, or damage to, product s shall pass to you when you, or a person designated by you, acquires physical possession of the product s. Title in the product s shall pass to you when the product s is picked up by the carrier from our warehouse. At this point, you will receive the Shipment Notification Email.

If there are any issues with delivery, please contact Apple to resolve. Apple offers in-store pickup for many of the items available on the Online Store. Certain products and payment methods, however, may not qualify for in-store pickup.

Only you or the person designated by you may pick up the item s purchased. A government-issued photo ID and order number will be required for pickup. Apple will notify you when your order is ready and the date by which you need to pick up your items.

Please click here Opens in a new window for complete details about in-store pickup. If you select in-store pickup, you may designate a third party to pick up your order. You must provide the name and email address of the third party. Please note that certain products and payment methods are not eligible for in-store pickup by a third party.

The third party will need to bring a government issued photo ID and order number for pickup. Apple is not responsible for actions taken by the third party once your item s have been picked up. The Apple Store sells and ships products to end-user customers only, and we reserve the right to refuse or cancel your order if we suspect you are purchasing products for resale. Products purchased online from Apple will only be shipped to addresses within the U.

Products must be purchased, sold, exported, re-exported, transferred, and used in compliance with these export laws and regulations. To purchase Apple products online from outside of the U. Apple reserves the right to change quantities available for purchase at any time, even after you place an order. Furthermore, there may be occasions when Apple confirms your order but subsequently learns that it cannot supply the ordered product.

In the event we cannot supply a product you ordered, Apple will cancel the order and refund your purchase price in full. Shopping Help. View all topics. Government Pricing Promotions, Rebates, and Coupons. Payment methods Apple accepts a variety of payment methods online. Using more than one payment method You can also combine payment methods to pay for your purchase. Double check the card type for example, American Express , the account number and expiration date.

Remove dashes or spaces from the account number. If everything seems to be correct, call the card issuer's customer service number on the back of your card. Your credit card company may need to speak with you before they authorize your purchase.

Account verification To prevent any unnecessary delays processing your order, please ensure that the billing addresses on your order matches the information on your credit card account.

When Apple charges your account Apple receives authorization to charge your account prior to shipping your item s. Credit cards accepted In the U. Tax rate In accordance with state and local law, your online purchases from Apple will be taxed using the applicable sales tax or seller's use tax rate for your shipping address, or the Apple Store address where the item is picked up. Education Pricing.

Government Pricing. Federal Government employees who want to purchase Apple products for personal use: Current and retired Contractors Family members Current, former, retired members, and family members of the following government entities are eligible: U.

Promotions, Rebates, and Coupons. Check the status of a rebate Once you have submitted the requested proof of purchase documents for your rebate, you can check your rebate status Opens in a new window online.

You'll need some combination of the following pieces of information: Claim number Email address Daytime Phone Be sure the information entered is exactly as submitted with your rebate claim. Stay in the know Want to be informed of new promotions and receive eCoupons? Sales and Refund Policy Thanks for shopping at Apple. Standard Return Policy We fundamentally believe you will be thrilled with the products you purchase from the Apple Store.

In addition, please note the following: Products can be returned only in the country or region in which they were originally purchased. The following products are not eligible for return: electronic software downloads, subscriptions to the Software-Up-To-Date program, Apple Store Gift Cards, and any Apple Developer Connection products.

Should you wish to return ten or more of the same product, you must return to the Apple Store where originally purchased. In the case of items returned with a gift receipt, Apple will offer you an Apple Gift Card. Opened software cannot be returned if it contained a seal with the software license on the outside of the package and you could read the software license before opening its packaging.

As an exception, you may return Apple-branded software if you do not agree to the licensing terms; however, you may not retain or otherwise use any copies of returned software. Download for Android Download for iOS. Pay a friend or a group in a snap.

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