#1
Well, basically I can't go on OSAP because both of my parents didn't even do their tax returns and on the form, you need them to complete the application. So, I'm just wondering if there are any alternates to getting a sort of loan?

By the way, I'm trying to get as much scholarships as possible. Still haven't won any.
#2
Instead of getting a student loan, I just opened up a student line of credit with my bank (BMO). It gives me a $10,000 line of credit + credit-card for it, with something like a 3.5% interest per year on the amount I use. You could go with that if needed.