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OSAP stands for "Ontario Student Assistance Program". They are essentially a conglommerate of mean people who like to tell Canadian students that they will receive a $3000 loan, and then take half of it away as soon as they notice said student's bank balance dipping below the poverty level. Afflicted students may be lacking in funds, however, because they have misunderstood the meaning of OSAP.

Some variations: Also see Great Minds with Great Debts

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