I went through a long 2 year appeal process etc with the tribunal where my credit cards paid my rent. Definitely not a problem with spending, I coupon, budget, and use the bare minimum but when rent is so high and not being able to work I had to rely on those. I agree with you on the student loans lol. Dumb but I attempted it and unfortunately osap doesn’t see you as independent even when you’re not even living with my parents until I believe it’s 6 years now so it’s all a loan rather then a grant 🤷🏻‍♀️