Author: NEADS

  • Educate Your Employer

    Educate Your Employer

    BY CAROLINE GEORGE

    Treat others as you want them to treat you. Sounds simple, right? Not so. In the workplace this message may be lost on an employer unaware of what it’s like for a new hire with a disability.

    Communication is key

    “Attitude is the biggest challenge and it’s mainly because people are really not aware,” explains Norma Ricker, director of project development, employment services for the Canadian Council on Rehabilitation and Work (CCRW) in New Brunswick.

    Like in math, some problems have more than one solution, something Janice Shaw, support coordinator for the Epilepsy Association of Calgary understands. In the position for 12 years now, Shaw has dealt with a number of employers and vividly recalls a client being fired after having a seizure: “He told them (his employer) about his epilepsy and that his medication was being changed and sometimes a breakthrough seizure may occur. He had a seizure and they actually let him go right away.” The employee spoke with Shaw, who suggested they talk to their boss about equality within the workplace.

    After this proved unsuccessful, Shaw confronted the employer, who ignored her until a phone call with the Human Rights Commission changed their decision about her client.

    He was eventually rehired and promoted.

    Although this scenario ended on a happy note, Ricker advises employers to identify problems before they escalate. The solution is often as simple as communication. “Talk to the individual first. People are people whether they have a disability or not.”

    Becoming aware of your comfort level is key to succeeding on the job. Approaching your employer and co-workers to make them aware of your challenges not only helps you, but also allows them to understand your feelings and address the issue, says Ricker.

    Take down the obstacles

    Don’t miss the opportunity to become proactive, says Ricker of both the employee and employer. She advises setting up training sessions (which can also include staff) like those offered by the CCRW. They are also a great way to understand, confront and solve issues in the workplace.

    ”We would do meetings with the staff and the employer to talk about what it is to have a person with a disability in their workplace and try to dissolve the myths and misconceptions of people with disabilities in the workplace,” says Ricker. “Awareness and sensitivity training is so valuable to the workplace. After we deliver this training most trainees say ’Wow I didn’t realize,’ or ‘I was afraid to ask the question.‘

    It’s not worth it to suffer in silence and become miserable. By speaking up and explaining your needs to your employer, in many cases they will understand and try to accommodate you.

    Ask for help

    Knowing where to seek help can seem overwhelming for anyone, but be aware that many organizations have job skills programs and coaches to help employees understand how to approach their employer about difficulties on the job. “The reality is that most of our clients will encounter a challenge at some point in their job, such as a change in management. This is where a job coach might step in and establish that new relationship between the individual and the new employer,” says Debbie Seery, director of the Hawkin’s Institute in Toronto, which runs social skills programs for adults with Asperger Syndrome and learning disabilities.

    “A member of Hawkin’s will go to work with an individual on their first day. The purpose of that visit is to make sure the individual knows where the washrooms are, what the break times are, what the supervisor’s name is and establishing a comfort level. It also allows us to have knowledge of what the individual’s job is as well. Should the individual have a problem on the job the employer can call and we have an understanding as well, so that’s a support to the employer,” explains Seery.

    “I think that employers should not try to figure out or understand things for themselves,” says Ricker of the problems that often result from employers who don’t seek outside help.

    “They can save themselves a lot of time, energy and even money if they talk to professionals in advance.”

    “A lot of the time it’s just educating the employer as to what it’s like to work with someone with a disability and make it a positive experience, for both the employer and the individual,” agrees Seery.

    For the employer and employee unable to communicate their feelings, finding a solution can seem like amaze with no end. But if you follow your instincts the resources are there. Learning how to access them is a step in the right direction towards gaining a great work experience, experts agree.

  • Techsploration Scholarships and Volunteering: Women and Girls in STEM

    Techsploration Scholarships and Volunteering: Women and Girls in STEM

    What is Techsploration?

    A non-profit organization that is a joint initiative of :

    • Nova Scotia Community College (NSCC)
    • Nova Scotia Apprenticeship Agency

    What is it all about?

    “The goal of Techsploration is to increase the number of women working in science, trades, technical and technology-related occupations by assisting young women from diverse backgrounds to explore a wide range of career options in these fields.”

    What kind of scholarships does it offer?

    Techsploration raises $20,000 in scholarships and bursaries for its alumnae and young women pursuing post-secondary education in science, trades, and technology.

    Contact Information for Scholarships and information:

    Emily Boucher
    Manager, Communications and Strategic Partnerships
    Techsploration
    O: 902-491-3535  C: 902-817-6428
    E: emily.boucher@techsploration.ca

    Can you volunteer with the organization?

    Yes. Check out the volunteering poster here.

    Main website:

    http://techsploration.ca/

  • Disability and the Trades

    If you have a disability, you can often get used to the limits placed around you. It might seem that getting into a trade is too difficult for anyone with a disability, but even with limitations, people can be successful in a variety of trades.

    Unfortunately, people with disabilities are known to have a harder time finding work than people without disabilities- which is more a problem with corporations and organizations, than anyone else with a disability In 2011, about 79% of people without disabilities had jobs, but only 49% of people with disabilities worked for pay. This could include people with physical disabilities like deafness or intellectual disabilities. Still, people who struggle with many kinds of disabilities can still get into different types of trades and become very successful.

    How easily people with disabilities can get into trades depends on what they want to do. People who are physically unable to stand or walk for long periods of time, for example, would have a lot of trouble with trades like construction that involve a lot of activity. Becoming a truck driver could be an option if you have the stamina to sit for many hours. If you can find a special stool to sit on, you might even be able to become a hairstylist. Hairstylists can earn close to $30,000+ a year if they find enough customers who will come regularly for their services.

    If you are missing a limb, the possibilities might seem very limited, but with special tools, you can use machines and even pick up small items. The pincers that city workers use to pick up garbage, for example, could help someone with a physical disability to work in a factory or maybe as a house painter or other jobs that traditionally require physical fitness.

    If you have an intellectual disability, a bit of help can make many trades possible. Becoming a cook is a good choice for people with these kinds of challenges as long as you are able to plan ahead and to handle pressure. Learning recipes ahead of time can help make things easier for you have trouble with reading or following directions. Chefs or head cooks can earn over $47,000 per year with experience, and there are many opportunities for people to work in different areas of a kitchen.

    If you have a mental health issue, you might have a very hard time working with other people. Working as an electrician might be a good choice since it gives people a chance to work alone or with one or two others and to work at their own pace. Electricians can earn over $56,000, although their salaries usually depend on how many customers they have and how hard they work.

    Before starting on a trade, people with disabilities should think hard about whether or not the job is right for them. If you decide to pursue this work, the first step is to decide how much you want a trade despite the difficulties. For the right people, working in the trades can be a good choice.

    Bibliography:

    Monster.ca. “Best Jobs for People with Disabilities.” https://www.monster.ca/career-advice/article/best-jobs-disabilities

    Statistics Canada. “Overview of the Study.” http://www.statcan.gc.ca/pub/75-006-x/2014001/article/14115-eng.htm

    Trade Schools.net. “34 Great Jobs for People with Disabilities.” https://www.trade-schools.net/careers-for-people/who-are-disabled.asp.

  • Getting into a Trade: How Easy is it?

    Getting into a Trade: How Easy is it?

    Some people love to work with their hands. Does that describe you? If so, you probably should consider getting into a trade. Not all trades are the same, but you can already prepare to get into any trade you want if you have the ability.

    The trades can include many different jobs. Hairstylists, plumbers, and electricians are all tradespeople, and also workers in construction, tile and metal work, and more. Bicycle repair people, cooks, and others all work in trades. People in these trades all tend to work with their hands, and many of them learn their trades on the job, often through apprenticeships. Often, they produce something for people, like furniture, or perform a service, like cleaning out drains or putting sprinkler systems into buildings in case of a fire.

    Generally, trades fall into two categories: compulsory trades that require certification and registration, or voluntary trades that have no special requirements other than being able to do the work. Before you decide to get into a trade, you need to know what kind of trade you are starting. If you have trouble with tests, you might not want to choose a trade that involves certification unless you are willing to study very hard.

    If you wanted to become a teacher or a doctor, you would have to go to university to learn what you need to know. Training to work in the trades can include classroom time, but usually it involves a lot of practical work. Often, people work in apprenticeships where they learn each task on the job from people who have been working in the area. Sometimes, students can begin to learn through summer jobs, especially when they have a mentor like a parent or family friend who can show them what to do.

    Suppose that you wanted to become a hairstylist. By the time you begin to work with clients, you will already need to know many of the basics of cutting and caring for hair. You could study magazines and websites to learn about styles and how to create different looks. Still, working with actual hair could be very different because some people have straight hair, some have curly, and some have waves. If you can start by practicing on yourself or your friends, you can prepare for your career even before you start to work officially. Learning to be a baker or a cook is also something that you can start to prepare for while you’re still young.

    Some trades are easier to practice than others. Testing your skills as an electrician, for example, could result in fires that could destroy buildings. In that case, you would want to spend a lot of time watching the experts and reading about the techniques of putting wiring into a wall. Before you try to practice your trade, be sure that you know the risks and benefits.

    Talking with people is also a good idea. Even if you don’t know anyone working in your field, you can check with your school counsellor to find out who might be able to help you. With hard work and perseverance, you can get into any trade that suits you.

    Bibliography:

    Mathews, Justin. “A Beginner’s Guide: What Is A Skilled Trade, And Is It Right For Me?”https://talentegg.ca/incubator/2015/03/09/skilled-trades-101-guide-canadas-demand-industry/.

    Matuson, Chinsky. “Break into the Trades.” https://www.monster.com/career-advice/article/break-into-the-trades-skilled.

    McGinn, Dave. “Looking for a Job? Why You Should Consider a Trade.” https://www.theglobeandmail.com/life/looking-for-a-job-why-you-should-consider-a-trade/article9117896/.

  • Financial Literacy at an Early Age

    Financial Literacy at an Early Age

    Most people in Canada learn how to read when they are still young. Soon after that they begin to learn about arithmetic, history, and all kinds of other topics, but learning about money can take years. Economic matters can be especially difficult for young people, but it can be very important to get help with financial literacy as early as possible to avoid problems in the future.

    When people’s businesses fail or they lose all of their money, they might declare bankruptcy. In the past, middle aged or older people were the main ones to file for bankruptcy after they had worked, bought property, and spent their money. In recent years, more and more people between eighteen and twenty-four are going bankrupt. An earlier education in finances could help prevent this from happening.

    Managing or avoiding debt is often one of the most important aspects of financial literacy. When people get out of school, or even while they are still in high school, they often want to buy cars and maybe move into their own homes. All of these things take a lot of money, and many people might spend more than they have saved. Before they realize it, they might have far too much debt to pay off with what they earn. Still, not all debt is bad, and people need to learn the difference.

    Debt is only one of the topics that young people need to know about.  They should know when they can save money on cheaper items and when it is best to pay more. They should learn to keep track of their bank accounts and investments, but also learn what they need to know for the future when they live on their own.

    Suppose that you want to buy a car to help you get to your part-time job or to go out with your friends. You will first need to calculate how much money it would take to buy a car, pay for gas, and take care of repairs to see if taking the bus is cheaper. If you want to go to university or college after high school, you will need to save money or get student loans which you will have to repay later. How can you decide what to do with your money?

    Your parents, friends, and teachers might be able to give you financial advice, but a professional opinion is often very valuable. The first thing to do is to decide what you need to know. Do you need help with making a budget so that you know how much money you can spend each month? Maybe you already want to start preparing a budget for when you go to university or college.

    When you know what you want to learn, you can find the information to fit your needs. Banks have always been places where people could get advice about money, but now many of them are also offering courses for young people. Websites can also be useful, although it is important to make sure that the information is accurate. Do you want to become financially literate? It’s never too early to start learning.

    Bibliography:

    Cunningham, James. “Teaching Youth to Manage Money.” https://www.canada.ca/en/financial-consumer-agency/news/canadas-financial-literacy-blog/teaching-youth-manage-money.html.

    Nelson, Jacqueline. “Count Me In, Canada will aim to improve financial literacy.” https://www.theglobeandmail.com/globe-investor/investor-education/count-me-in-canada-will-aim-to-improve-financial-literacy/article24880312/.

  • Living with Your Parents

    Living with Your Parents

    Young people often dream about moving out on their own. You imagine an independent life when you can stay out as long as you want, go out with friends as often as you want, all without having to answer questions from your parents. If you end up out of school, why would you move back to live with your parents? It might seem strange to some, but many young people are now living with their parents, even after they graduate. The reasons for this vary, but mostly it comes down to job opportunity, lack of financial planning, climbing student debt, and the tremendous expense of living on your own today, in general.

    According to Canada’s 2016 census, more than a third of young people aged 20 to 34, almost 35 percent, live with their parents. Sometimes, this might be because their parents are ill or elderly and need help. The young people might need to help care for their parents and make sure that they have what they need. Being in the same house makes it easier to give the right kind of help whenever it’s necessary.

    Another reason for people to live with their parents is money. When people move out from their parents’ place, they usually have to start paying rent and other bills like electricity and telephone. This can cost a lot of money, sometimes thousands of dollars each month. Even with roommates, people might spend more money than they can afford. If they are also paying off student loans, they might not be able to earn enough to live on and might decide to live with their parents to reduce costs.

    In some cities like Toronto or Vancouver, moving out might not be an option unless the young people can find an unusually inexpensive place where they can share with roommates. In other cities or towns, it might be financially possible but very expensive for them to live on their own. Finding a job can be very difficult, and often younger people have low salaries that make it difficult to live on their own.

    Graduating from school can mean a huge change in lifestyle. When people leave school, they have to learn many things that they might not have known before, such as how to cook a nutritious meal, how to rent or buy a car, or where to find a permanent job. Often, learning all of these things at once can be too difficult for young people, and they find it less stressful to live with their parents. Even living alone or with roommates can be stressful for people who are not used to it. People in countries like the United States and Australia also experience the same thing.

    Young people have many reasons for staying with one or both parents into their twenties or even thirties. Some of them might never have left, but others have returned after some time away, maybe at school in another province or just trying life on their own. In the past, people usually moved out of their parents’ homes when they got married or had children, but fewer young people now have families of their own. Whatever the reason, the structure of the family is changing as more young people live with their parents long after high school.

    Bibliography:

    DePaolo, Bella. “Why Are So Many Young Adults Living With Their Parents?” https://www.psychologytoday.com/us/blog/living-single/201605/why-are-so-many-young-adults-living-their-parents.

    Evans, Pete. “Still Living with Mom and Dad? You Are Not Alone, and the Numbers Prove It.” http://www.cbc.ca/news/business/young-people-living-at-home-1.3599364.

    Statistics Canada. “Census in Brief: Young Adults Living with Their Parents in Canada in 2016.” http://www12.statcan.gc.ca/census-recensement/2016/as-sa/98-200-x/2016008/98-200-x2016008-eng.cfm.

    Young, Leslie. “More than one-third of young Canadian adults live with their parents: 2016 census.” https://globalnews.ca/news/3641743/more-than-one-third-of-young-canadian-adults-live-with-their-parents-2016-census/

  • Occupational Therapists

    Occupational Therapists

    What the job is:

    • Occupational therapists, depending on the organization they work for, help people deal with injury, illness or health disorders to return back to work or leisure. The activities may vary depending on the age and initial physical condition of the patient. They create individual strategies to help you regain or improve your health.
    • There are different fields within this industry, so there are several options for what you want to focus on or what you would like to provide to the public.

    Pros of this Job:

    • Can be self-employed instead of through a company or a hospital in order to set your own hours.
    • Being part of a team dedicated to getting people back into as normal a life as possible.
    • Satisfaction of knowing that you’ve made a big difference in someone’s life.
    • Professional certification is required, and shows the public you are trained and have met a high standard
    • High demand for qualified therapists means many job opportunities.

    Cons of this Job:

    • There are multiple strategies needed in order to help people effectively, and sometimes the first plan does not work and may require long hours of research in order to find the best, most effective plan for the patient.
    • There are also evolving technology and strategies, which requires you to keep up to date with new information.
    • High education qualifications needed – A Master’s degree plus ongoing training.
    • Long periods of physical activity, from walking to standing to sitting, but more variety as compared to other jobs with standing periods.

    Salary:

    • The salary starts at $28 per hour, with a high of up to $44 per hour.
    • Outlook for the industry is very good, as there’s always a demand.
    • These positions are usually full-time positions, but part-time positions do exist.

    Education requirements:

    • Master’s degree required for occupational therapists since 2010 according to the College of Occupational Therapists of Ontario (COTO).
    • Bachelor’s degree required before the Master’s – usually in sociology or biology. (There are other options depending on the Master’s degree programs, so I would consider doing some research first for what school you would like to enroll in for a Master’s, and do some “back” research – i.e. Masters > Bachelors > High school requirements.)
    • Membership in the College of Occupational Therapists of Ontario (COTO) is required, which may be an option through your Master’s degree program of study.

    Tips to get started:

    • Decide early, since this is an education-heavy career, but rewarding in helping people.
    • Volunteer or apprenticeship opportunities may be available; ask if there is a connection you can utilize either through your high school, college or university counselor for advice or questions they may be able to answer.

    Other points of interest:

    • The industry is generally female according to the Canada Job Bank.
    • Creativity is encouraged, as people respond to different strategies, and people have their own personalized recovery or therapy plan.
  • A Closer Look at a Career as an Interior Designer

    A Closer Look at a Career as an Interior Designer

    With the real estate boom in Canada, particularly in Toronto and Vancouver, going for a career in interior design is a viable option. This is also a profession to consider if you are a designs and aesthetics buff and take pleasure in watching those home makeover shows, making note of every minute detail from the before and after shots.

    Of course, when it comes to transforming a blah home into a wow home, it takes more than merely design and aesthetics know-how. Oftentimes, it takes much work and effort than these reality TV shows would have you believe, so that is something you would have to be prepared for.

    Interior Designers – What You Need to Know

    The main job of interior designers is to plan and design a space that meets the aesthetic, functional, comfortable, and safety targets of the clients. The space can either be for a living or working environment. To ensure that the clients’ objectives are met, interior designers have to consider each component in a given space, not just furniture, decoration, or accessories, but also lighting, colours, and measurements.

    Contrary to popular belief, an effective interior design involves more than figuring out which sofa goes best with throw pillows. They also have to be familiar with building codes and decorating principles. For interior designers to customize the space that is truly according to the clients’ standards and expectations, they should have active listening skills, as well as critical thinking and analytical skills especially when it comes to the timelines and budget involved. Interior designers work with contractors to transform a design on paper onto real-life, and in a way, they act as the manager or leader for these projects. If it is a huge project such as the completion of interior design for a 30-storey building, however, they are likely to hire a project manager to oversee the implementation and construction of the projects. Interior designers can work under a firm or independently on a per-need basis.

    Salary

    According to PayScale.com, an interior designer can earn an average of $32,294 – $67,646 a year.

    Skills

    Interior designers should have exceptional knowledge in design function and aesthetics. Since they work with architects or architectural firms most of the time, interior designers should have a good grasp to interpret architectural drawings or blueprints. They should be able to furnish drawings both by hand or by using software such as AutoCAD. They have to be well-aware of current industry standards in relation to materials and other elements.

    Most importantly, interior designers should have good interpersonal skills and a collaborative spirit as they have to work well with both the clients and third-party vendors or contractors such as electricians, plumbers, etc. to accomplish projects according to given timelines and budget. They should be well-versed of the national standards set by Interior Designers of Canada and its nine provincial regulatory bodies.

    A degree in interior design from an accredited educational institution is required. Following completion of their degree, aspiring interior designers should apply for internship with a firm or established interior designer. Afterward, they have to take the National Council for Interior Design Qualification examinations.

    Pros and Cons

    A career in interior design affords one continuous excitement and freshness as no project is ever the same since clients would always have their own style and taste when it comes to their living or work space.

    A disadvantage is working with clients who insist on pushing their own ideas for design when these don’t meet function or safety goals. It is therefore the interior designer’s job to ensure that there is effective communication and negotiation between them and the client, making sure the client understands that a project should not only be attractive but functional as well.

    SOURCES:

    https://www.payscale.com/research/CA/Job=Interior_Designer/Salary

    http://work.chron.com/requirements-interior-designers-canada-20296.html

    http://www.huffingtonpost.ca/ypnexthome/5-things-you-need-to-know-about-canadian-real-estate-in-2018_a_23337271/

  • May 2018 Scholarships: Apply Now!

    May 2018 Scholarships: Apply Now!

    MCO Scholarship

    Scholarship Value: $500

    Awards Available: 1

    Award Deadline: May 15, 2018

    Address: https://missioncreekortho.com/orthodontists.php

     

    LM Scholarship Program

    Scholarship Value: $500

    Awards Available: 1

    Award Deadline: May 31, 2018

    Address: https://studentscholarships.org/grants.php#sthash.597iHoBf.dpbs

     

    Odenza Vacations College Scholarship

    Scholarship Value: $500

    Awards Available: 1

    Award Deadline: June 1, 2018

    Address: https://studentscholarships.org/odenza.php#sthash.PGXPVWgs.dpbs

     

    Rose Margaret King Merit Awards

    Scholarship Value: $3,000

    Awards Available: 10

    Award Deadline: May 15, 2018

    Address: https://ecf.getopenfield.com/awards-for-students-Experiencing-financial-need/

     

    Brower Youth Award

    Scholarship Value: $3,000

    Awards Available: 6

    Award Deadline: May 20, 2018

    Address: http://www.broweryouthawards.org/apply/

     

    Pensters Scholarship

    Scholarship Value: $1,000

    Awards Available: 1

    Award Deadline: May 31, 2018

    Address: https://www.thepensters.com/win-a-scholarship/

     

    Cameco Employee Dependent Scholarship

    Scholarship Value: $2,500

    Awards Available: 10

    Award Deadline: June 1, 2018

    Address: https://www.cameco.com/careers/students/scholarships

     

    Fraser Institute Student Essay Contest

    Scholarship Value: $1,500

    Awards Available: 3

    Award Deadline: June 1, 2018

    Address: https://www.fraserinstitute.org/education-programs/west/students/essay-contest

     

    Applied Arts Student Awards Annual – Boost your portfolio!

    Provided by: Applied Arts Magazine

    Deadline: May 25, 2018

    Renewable: No

    Type of Award: Contest

    Automatic Consideration: No

    Address: https://www.appliedartsmag.com/student_awards/

     

    Stuck at Prom Scholarship

    Scholarship Value: $10,000

    Awards Available: 10

    Award Deadline: June 2, 2018

    Address: http://stuckatprom.com/

  • Why You Shouldn’t Use Only Student Loans for All Your Education Costs

    Why You Shouldn’t Use Only Student Loans for All Your Education Costs

    A university or college degree is considered a necessity for many careers, but tuition costs are rising higher each year.  For those who are not able to pay the full costs of school outright–which is many students and their families–student loans can be the best way for these students to pursue higher education.

    In Canada, students attending college and university have access to student loan programs that are run through the government, such as the Ontario Student Assistance Program (OSAP) and other provincial loan programs, as well as private loans through banks and other financial institutions. Depending on your initial financial situation, such as how much you already have saved up for school, and what you family can contribute, OSAP and other loans can cover most or all of your educational costs.

    School expenses add up quickly, including tuition, books, lab fees, rent or resident payments, and food or a meal plan.  Knowing you have access to student loans means it can be tempting to take out loans to pay for all your school costs, and then take summers off to have fun and relax without classes or a job.

    However, this generally isn’t a good idea.

    Loans are not free money; when your education is completed, loans are a debt you need to repay.  Depending on the costs of your school and degree program, these loans can be significant.  Canadian university programs have an average tuition of $6,500 per year, which adds up to over $26,000 for a 4-year degree, and doesn’t include the costs of books or living expenses. College tuition will often be lower, but the costs still add up.

    If you use loan money to cover the whole costs of this tuition, plus other living and education costs, you can end up graduating with $20,000 to $50,000 or more in debt, which will significantly affect your post-school life while you work to pay this money back.

    The more debt you have, the longer it will take to pay off–sometimes as long as 10 or 20 years.  You could find yourself struggling to pay bills on top of loan payments, or be living paycheque-to-paycheque even with a high-paying job.  It can also be hard to put aside savings, since a certain amount of your pay each month will automatically be destined to go toward loan payments.  Being unable to save up a sum of money will prevent you from being able to buy a house or car, and can delay when you are able to financially support getting married or starting a family.

    And this is just for an undergraduate degree.  Students who want to pursue graduate studies for a Master’s degree, or even post-grad for a Ph.D., and take out loans to pay for these degrees as well, will just be piling new debts on top of the old ones.  This will extend the effect your debts have on your lifestyle, and will take even longer to pay back.

    The best advice is for students to work as much as they are able without it affecting their education.  This can include part time work during the school year on evenings and weekends, a work study program through your school, and working full-time over the summer.  Internships and apprenticeships, depending on their availability for your program, are a great way to earn money while learning at the same time.

    When you are planning for school, work out a budget that accounts for all your educational costs, from tuition and textbooks to rent and food, as well as the amount you have saved, how much your family can contribute, and how much you can earn over the summer.  Use this to determine how much of your schooling you can cover yourself, and only take out loans to make up any shortfall.

    This will ensure you graduate with the lowest amount of debt possible, and opens the door to a successful future.

    Sources:

    https://www.ontario.ca/page/osap-ontario-student-assistance-program

    http://www.cbc.ca/news/politics/statscan-university-tuition-1.4276740

    http://www.macleans.ca/education/university/want-free-university-changes-to-osap-canada-student-grants-could-help/