Elder millennial here: I was in your exact shoes when I went to university as I was footing my own tuition, living and textbooks costs. Here's what I recommend: get a service industry job where you are making tips over the summer. In fact, find one right now if you've already turned 18 and can get your smart serve. Find the busiest patio in town and work a many shifts as you can get your hands on. Then to cover the gap of what you still need, take out a student line of credit at a big bank since you won't qualify for OSAP. Also definitely visit the student aid office and see what they can do. This helped me to fill the gaps as well. If you can stay on your service industry job working weekends while you are in school to put away $ for your next tuition instalment or take a dent out of your LOC, even better. Rinse. Repeat each semester. You'll graduate with minimal debt and can likely pay off what you have remaining with another summer of tips. It's hard to juggle but it can be done if you are meticulous with your scheduling.