ONTARIO LEARN AND STAY GRANT - MEDICAL EDUCATION

CONTENTS Application and Interpretation 1. Application 2. Definitions Application for Grant 3. Applying for a grant 4. Period of grant Eligibility 5. Eligibility for a grant 6. Residency requirement 7. Approved program of study 8. Approved institutions 9. Approved program of postgraduate medical education Restrictions on Issuing a Grant 10. Restrictions 11. Individual’s finances; other loans, grants, benefits, etc. 12. Actions of individual 13. Restrictions on future eligibility 14. Bankruptcy Notice of Assessment 15. Issuing notice of assessment 16. Maximum amount of grant Obtaining a Grant 17. Obtaining a grant 18. Grant directed to apply toward student loans 19. Medical education financial assistance agreement 20. Service commitment agreement 21. Notice of service commitment Repayment of Overpayment of a Grant 22. Repayment of overpayment of a grant Conversion of Grant into Ontario Medical Education Loan 23. Conversion of grant into Ontario Medical Education Loan Repayment Notice and Repayment Terms 24. Repayment notice 25. Obligation to pay interest 26. Repayment terms 27. Amendment to prevent default Default on Ontario Medical Education Loan 28. Default on Ontario Medical Education Loan General 29. Duty to give notice of material change in circumstances 30. Change of address 31. Effect of false statements 32. Officers authorized to issue notices of assessment 33. Authority of service providers Application and Interpretation Application 1. This Regulation applies with respect to grants issued for periods of study for approved programs of study to medical residents who commence medical residency on or after July 1, 2026. Definitions 2. (1) In this Regulation, “2001 Regulation” means Ontario Regulation 268/01 (Ontario Student Loans Made August 1, 2001 to July 31, 2017), made under the Act; (“Règlement de 2001”) “2017 Regulation” means Ontario Regulation 70/17 (Ontario Student Grants and Ontario Student Loans), made under the Act; (“Règlement de 2017”) “2020 Regulation” means Ontario Regulation 768/20 (Ontario Student Grants and Ontario Student Loans for Micro-Credentials) made under the Act; (“Règlement de 2020”) “approved institution” means an institution described in section 8; (“établissement agréé”) “approved program of postgraduate medical education” means a program of postgraduate medical education approved in accordance with section 9; (“programme d’études médicales postdoctorales approuvé”) “approved program of study” means a program of study approved in accordance with section 7; (“programme d’études approuvé”) “borrower” means a person who has received a grant that has been converted to an Ontario Medical Education Loan and who is required to make repayments on the Ontario Medical Education Loan under a repayment notice, but does not include a person whose Ontario Medical Education Loan has been paid; (“emprunteur”) “consolidated loan agreement” means an agreement described in section 28 of the 2017 Regulation, section 28 of the 2001 Regulation or section 8 of the pre-2001 Regulation; (“contrat de prêt consolidé”) “grant” means the Ontario Learn and Stay Grant — Medical Education, and does not include any other grant issued under the Act; (“subvention”) “medical education financial assistance agreement” means an agreement entered into under section 19; (contrat d’aide financière pour des études médicales”) “medical residency” means the postgraduate medical education training of a medical resident; (“résidence en médecine”) “micro-credential grant” has the same meaning as in the 2020 Regulation; (“subvention pour une microcertification”) “Ontario Medical Education Loan” means a medical resident loan issued under this Regulation; (‘’prêt ontarien d’études médicales’’) “period of postgraduate medical education” means, in relation to a program of postgraduate medical education, a period described in subsection 9 (2); (“période d’études médicales postdoctorales”) “period of study” means, in relation to a program of study, a period described in subsection 7 (2); (“période d’études”) “pre-2001 Regulation” means Regulation 774 of the Revised Regulations of Ontario, 1990 (Ontario Student Loans made before August 1, 2001), made under the Act; (“règlement antérieur au Règlement de 2001”) “repayment notice” means a notice described in section 24; (“avis de remboursement”) “service commitment agreement” means an agreement described in section 20; (“entente d’engagement de service”) “service provider” means a person or entity, other than a post-secondary educational institution, who provides services with respect to the disbursement, administration, management or delivery of grants by virtue of, (a) an agreement with the Minister, or with another Minister of the Crown in right of Ontario, for the provision of those services, or (b) if the Minister has entered into an agreement with the Government of Canada for the provision of those services, an agreement with the Government of Canada for the provision of those services. (“fournisseur de services”) (2) Despite the definition of “grant” in subsection (1), a reference in this Regulation to a grant that is received, granted, made or issued under the Act includes any grant received, granted, made or issued under the Act. Application for Grant Applying for a grant 3. (1) An individual who wishes to obtain a grant must apply for it to the Minister, and the application must specify the periods of study to which the grant applies, as well as the approved institution at which the individual completed an approved program of study. (2) The application must be in a form approved by the Minister. Period of grant 4. A grant may be issued in respect of no more than four periods of study at the approved institution at which the individual completed an approved program of study. Eligibility Eligibility for a grant 5. An individual is eligible for a grant in respect of up to four periods of study if the Minister determines that the individual, (a) is a Canadian citizen, a permanent resident within the meaning of the Immigration and Refugee Protection Act (Canada) or a protected person within the meaning of subsection 95 (2) of that Act; (b) meets the residency requirement set out in section 6; (c) completed an approved program of study at an approved institution, as determined in accordance with sections 7 and 8; and (d) is a medical resident in a period of postgraduate medical education of an approved program of postgraduate medical education in accordance with section 9. Residency requirement 6. (1) An individual meets the residency requirement for a grant if, on or before the day the individual begins their medical residency, the individual, (a) has resided in Ontario for a period of at least 12 consecutive months; and (b) has not resided in another province or territory in Canada for a period of 12 or more consecutive months since completing the 12-month period of residency in Ontario required under clause (a). (2) In determining whether an individual has resided in Ontario or in another province or territory of Canada for 12 consecutive months for the purposes of subsection (1), the time that the individual spent in full-time studies at a post-secondary institution shall not be included. (3) Despite subsection (1), an individual who does not meet the residency requirement described in that subsection shall be deemed to meet the residency requirement for the purposes of issuing a grant if, (a) the individual has not resided in any province or territory of Canada other than Ontario for 12 or more consecutive months; and (b) the individual, (i) is or will be in a program of medical residency in Ontario and, as of the day the application is made, the individual resides in Ontario, or (ii) has previously received a grant or student loan under the Act. Approved program of study 7. (1) The Minister may approve a program of study for the purposes of clause 5 (c) if the program, (a) is provided at an approved institution; (b) consists of one or more periods of study of no less than 12 weeks and no more than 52 weeks; and (c) leads to the granting of a degree of Doctor of Medicine, Medicinae Doctor or an equivalent basic degree in medicine but does not lead to the combination of such a degree with a Doctor of Philosophy upon the successful completion of the program. (2) For the purposes of clause (1) (b), the period of study of an approved program of study is the period of time that the approved institution considers to be the normal school year for that particular program, as determined by that institution for academic purposes, which may include one or more academic terms. (3) The Minister may withdraw approval for a program of study if the program ceases to meet the requirements established under the Act, terms established by the Minister or terms established in any agreement entered into for the purposes of the Minister’s approval. Approved institutions 8. Every publicly-assisted university in Ontario that provides a medical health education program is an approved institution for the purposes of clause 5 (c). Approved program of postgraduate medical education 9. (1) The Minister may approve a program of postgraduate medical education for the purposes of clause 5 (d) if the program, (a) is provided at an approved institution; (b) consists of one or more periods of postgraduate medical education of no more than 52 weeks; and (c) leads to eligibility to apply to engage in independent, unsupervised medical practice in Ontario upon the successful completion of the program. (2) For the purposes of clause (1) (b), a period of postgraduate medical education of an approved program of postgraduate medical education is the period of time that the approved institution considers to be a normal year of postgraduate medical education for that particular program, as determined by that institution. (3) The Minister may withdraw approval for a program of postgraduate medical education if the program ceases to meet the requirements established under the Act or terms established by the Minister. Restrictions on Issuing a Grant Restrictions 10. Despite section 5, an individual who is eligible for a grant under that section may be refused a grant in accordance with sections 11 to 14. Individual’s finances; other loans, grants, benefits, etc. 11. (1) The Minister may refuse to issue a grant to an individual in any of the following circumstances relating to the individual’s finances: 1. The individual is entitled to receive student financial assistance for medical education from the Government of Canada or from the government of another province or territory of Canada or of another country. 2. After considering the contents of a consumer report of the individual’s current debts, the Minister is of the opinion that the individual will not repay a loan issued under the Act. (2) The Minister may refuse to issue a grant to an individual if the individual is in receipt of financial assistance under a return of service program or a medical education or training program funded directly or indirectly by the Province of Ontario. (3) The Minister shall not issue a grant to an individual who received a grant or student loan under the Act, other than a micro-credential grant or a micro-credential student loan, in respect of a previous period of study for which amounts have not been repaid, if the individual, (a) was granted repayment assistance at the debt reduction stage in respect of the previous student loan under sections 36 to 47 of the 2017 Regulation, under sections 35 to 40.7 of the 2001 Regulation, as those sections read on March 9, 2017, or under sections 12 to 12.12 of the pre-2001 Regulation, as those sections read on March 9, 2017, but that repayment assistance was not granted on the basis of the individual having been an individual described under paragraph 3 of subsection 40 (3) of the 2017 Regulation, under paragraph 3 of subsection 39 (3) of the 2001 Regulation, as that section read on March 9, 2017, or under paragraph 3 of subsection 12.4 (3) of the pre-2001 Regulation, as that section read on March 9, 2017; or (b) was granted a reduction of the amount outstanding under the previous student loan under section 40.2 of the 2001 Regulation, as that section read on October 31, 2010, or under section 9.4 of the pre-2001 Regulation, as that section read on October 31, 2010. (4) The Minister shall not issue a grant to an individual who has been granted a severe permanent disability benefit under section 31.13 of the 2020 Regulation, under section 48 of the 2017 Regulation, under section 40.8 of the 2001 Regulation, as that section read on March 9, 2017, or under section 13 of the pre-2001 Regulation, as that section read on March 9, 2017. Actions of individual 12. The Minister may refuse to issue a grant to an individual in any of the following circumstances relating to actions of the individual: 1. The individual has not made arrangements that are satisfactory to the Minister to repay, or has not repaid, a loan, or any other amount required to be paid to the Crown in respect of any grant or award made by the Government of Ontario under the Act, or made by the Government of Canada or the government of any other province or territory. 2. The individual has not given the Minister all of the information and documents required by the Minister to administer the program of awards, grants or loans that the individual has received under the Act, including information about the individual’s academic status, financial status or family status during a period of study. 3. The individual has given the Minister incorrect information relating to a grant, award or loan issued under the Act or has not informed the Minister promptly about any change to information previously given to the Minister. 4. The individual has been found guilty of an offence under the Ministry of Training, Colleges and Universities Act, the Canada Student Loans Act or the Canada Student Financial Assistance Act or an offence under the Criminal Code (Canada) involving fraud or theft in respect of any student assistance program or any grant, loan or award made by the Government of Ontario under the Act, or made by the Government of Canada or the government of any other province or territory. Restrictions on future eligibility 13. (1) The Minister may determine that an individual shall not be eligible, for such period as the Minister may determine, to receive a grant if any of the following circumstances exist: 1. The individual has not given the Minister all of the information and documents required by the Minister to administer the program of awards, grants or loans that the individual has received under the Act, including information about the individual’s academic status, financial status or family status during a period of study. 2. The individual has given the Minister incorrect information relating to a loan or to a program of grants or awards made by the Government of Ontario under the Act, or made by the Government of Canada or the government of any other province or territory of Canada or of any other country, or has not informed the Minister promptly about any change to information previously given to the Minister. 3. The individual has been found guilty of an offence under the Ministry of Training, Colleges and Universities Act, the Canada Student Loans Act or the Canada Student Financial Assistance Act or an offence under the Criminal Code (Canada) involving fraud or theft in respect of any student assistance program or any grant, loan or award made by the Government of Ontario under the Act, or made by the Government of Canada or the government of any other province or territory. 4. The individual fails to pay all the missed monthly payments that they are required to make during a repayment assistance period as required under subsection 46 (1) of the 2017 Regulation. (2) Upon making a determination under this section, the Minister shall give the individual notice of the determination and of the length of the period of ineligibility. (3) The period of ineligibility begins on the day specified in the notice and shall be for a period of up to five years, as the Minister may determine, subject to subsections (4) and (5). (4) If a determination of ineligibility is made under this section because of the existence of circumstances described in paragraph 1, 2 or 3 of subsection (1), the period of ineligibility shall continue until the later of, (a) the end of the period specified by the Minister in the notice; and (b) the day the individual repays all amounts of principal and interest outstanding on loans previously made to the individual under the Act and repays to the Minister any of the following amounts that the Minister may require the individual to repay in the notice of determination: (i) Any awards or grants made to the individual by the Minister under the Act. (ii) The amount of any interest paid by the Minister on behalf of the individual as a result of an individual’s obligations to pay principal and interest being suspended under section 23 of the 2017 Regulation, section 22 of the 2020 Regulation, section 26 of the 2001 Regulation or section 11.2 of the pre-2001 Regulation. (iii) The amount of any reduction of the amount of principal outstanding granted to the individual under section 33 of the 2001 Regulation. (iv) The amount of any assistance provided by the Minister as part of any repayment assistance granted to the individual under sections 36 to 47 of the 2017 Regulation, sections 35 to 40.7 of the 2001 Regulation, as those sections read on March 9, 2017, or sections 12 to 12.12 of the pre-2001 Regulation, as those sections read on March 9, 2017. (v) The amount of any severe permanent disability benefit granted to the individual under section 48 of the 2017 Regulation, section 40.8 of the 2001 Regulation, as that section read on March 9, 2017, or section 13 of the pre-2001 Regulation, as that section read on March 9, 2017. (vi) The amount of any reduction of the amount of principal outstanding under a consolidated loan agreement granted to the individual under section 40.2 of the 2001 Regulation, as that section read on October 31, 2010, or sections 9.3 and 9.4 of the pre-2001 Regulation, as those sections read on October 31, 2010. (vii) The amount of any payments that were suspended under section 36, 39 or 39.1 of the 2001 Regulation, as those sections read on October 31, 2010, or section 12, 12.1 or 12.2 of the pre-2001 Regulation, as those sections read on October 31, 2010, and any interest thereon. (viii) The amount of any principal and interest outstanding under a consolidated loan agreement at the time the individual’s payment obligations under the agreement were terminated under section 40.4 of the 2001 Regulation, as that section read on October 31, 2010, or section 13.2 of the pre-2001 Regulation, as that section read on October 31, 2010. (5) If a determination of ineligibility is made under this section because of the existence of circumstances described in paragraph 4 of subsection (1), the period of ineligibility shall continue until the individual is no longer ineligible for repayment assistance under section 46 of the 2017 Regulation. (6) If the Minister makes a determination under section 42.1 of the 2001 Regulation that an individual is ineligible for a specified period for a student loan, for the repayment assistance plan or for the severe permanent disability benefit, and on March 30, 2026 the specified ineligibility period had not elapsed, then the individual is deemed to be ineligible for a grant under this Regulation for the remainder of the ineligibility period. Bankruptcy 14. (1) This section applies with respect to an application for a grant made by an individual who, at any time prior to the day of the application, became a bankrupt within the meaning of the Bankruptcy and Insolvency Act (Canada) or entered into a recognized arrangement for debt settlement. (2) An individual enters into a recognized arrangement for debt settlement when any of the following events occurs: 1. A proposal under Division I of Part III of the Bankruptcy and Insolvency Act (Canada) relating to the individual is approved by a court under that Act. 2. A consumer proposal made by the individual under Division II of Part III of the Bankruptcy and Insolvency Act (Canada) is approved or deemed to be approved by a court under that Act. 3. A consolidation order is made under Part X of the Bankruptcy and Insolvency Act (Canada) in relation to any debts of the individual, including any student loans that the individual may have received under the Act. 4. A document seeking relief has been filed by the individual under a law in a province or territory in Canada outside of Ontario for the orderly payment of debts, including any student loans that the individual may have received under the Act. (3) The Minister shall not issue a grant to an individual who became a bankrupt within the meaning of the Bankruptcy and Insolvency Act (Canada) and who, at the time of the application for the grant, has not received an order of absolute discharge or certificate of discharge under that Act. (4) Despite subsection (3), the Minister may issue a grant if the individual satisfies the Minister that any grant made to the individual after a notice of assessment is issued to the individual will not be seized to repay the individual’s creditors. (5) The Minister shall not issue a grant to an individual referred to in subsection (1) who has previously received a student loan under the Act unless the individual otherwise satisfies the requirements of this Regulation for a grant and, at the time of the application, (a) there are no amounts of principal or interest outstanding on any student loans under the Act previously received by the individual; or (b) if the individual was released from the obligation of repaying any student loans previously received by reason of an order of absolute discharge or certificate of discharge granted under the Bankruptcy and Insolvency Act (Canada), three years have elapsed since the day the order of absolute discharge was made or the certificate of discharge was issued. (6) The Minister shall not issue a grant to an individual if an event described in subsection (1) occurs on or after the day of the application. Notice of Assessment Issuing notice of assessment 15. (1) If the Minister determines that an individual is eligible for a grant and the individual is not refused a grant in accordance with sections 11 to 14, the Minister may issue a notice of assessment indicating the amount of the grant that shall be issued to the individual upon the conditions in subsection 17 (1) being satisfied. (2) The notice of assessment shall be in respect of up to four periods of study at the approved institution at which the individual completed an approved program of study, all of which shall be specified in the notice. Maximum amount of grant 16. (1) The maximum total amount of the grant that may be issued to an individual for the individual’s education costs for the approved program of study for the periods of study specified in the notice of assessment is the total of the following amounts: 1. The estimated cost allowance established by the Minister for tuition and other compulsory fees payable for each period of study at the institution at which the individual completed an approved program of study. 2. The estimated cost allowance established by the Minister for books and other instructional supplies for each period of study at the institution at which the individual completed an approved program of study. 3. The estimated cost allowance established by the Minister for such other expenses as the Minister considers relevant in the circumstances for each period of study at the institution at which the individual completed an approved program of study. (2) For the purposes of subsection (1), the number of periods of study that a grant may be issued for is the number of periods of study that the approved institution considers to be the normal duration for that particular approved program of study, as determined by that institution, which may include up to four periods of study. Obtaining a Grant Obtaining a grant 17. (1) The Minister or a service provider on behalf of the Minister shall issue a grant if, (a) the individual has received a notice of assessment under section 15; (b) the individual has entered into a medical education financial assistance agreement under section 19; (c) the individual’s status as a medical resident is confirmed by the approved institution at least five business days before the approved program of postgraduate medical education ends; and (d) the individual has entered into a service commitment agreement under section 20. (2) The grant shall be issued in the amounts and during the postgraduate medical education years that are set out in the notice of assessment for the grant. (3) For the purposes of this section, “postgraduate medical education year” means a period beginning on July 1 in a year and ending on June 30 of the next year. Grant directed to apply toward student loans 18. The Minister may direct all or part of an individual’s grant to apply toward the individual’s student loans issued under the Act, other than micro-credential student loans. Medical education financial assistance agreement 19. (1) The Minister may enter into a medical education financial assistance agreement in accordance with this section where an individual applies for a grant and the Minister is satisfied that the individual is entitled to the grant and has a notice of assessment. (2) The terms of a grant are the terms set out in this section and sections 23 to 26 and in the medical education financial assistance agreement that the individual enters into. (3) The Minister may amend the terms of the medical education financial assistance agreement and shall provide notice to the individual of any amendments. Service commitment agreement 20. (1) An individual shall enter into a service commitment agreement in accordance with this section when making a grant application under subsection 3 (1). (2) The service commitment agreement shall set out, (a) the geographic region where the individual must be employed; (b) the sector within which the individual must be employed; (c) the occupation in which the individual must be employed; and (d) the period of time that the individual must be employed in the geographic region, sector and occupation. (3) Where a service commitment agreement has been entered into under subsection (1), the Minister may subsequently amend the agreement in respect of any matter described in subsection (2), except that an amendment in respect of the matter described in clause (2) (d) may only reduce the time. (4) The Minister shall provide notice to the individual of any amendment made to a service commitment agreement. (5) An individual who enters into a service commitment agreement shall provide to the Minister evidence of employment and other relevant information regarding their service commitment, in a form approved by the Minister, as required by the Minister. Notice of service commitment 21. (1) If an individual has entered into a service commitment agreement under this Regulation, the Minister shall send the individual a notice of service commitment. (2) A notice issued under this Regulation shall apply to all grants received for the periods of study at the institution at which the individual completed an approved program of study. (3) The notice of service commitment shall set out the information referred to in clauses 20 (2) (a), (b), (c) and (d). Repayment of Overpayment of a Grant Repayment of overpayment of a grant 22. (1) The Minister may require an individual to repay to the Minister of Finance any overpayment of a grant, or any amount of such a grant that exceeds the amount the individual is eligible to receive as a grant, if an error or mistake has been made. (2) The Minister may provide that a repayment under subsection (1) is not required if, in the opinion of the Minister, there are exceptional circumstances. (3) When repayment under subsection (1) is required, the Minister may take such measures as the Minister considers advisable in the circumstances, including applying interest on the amount owing. Conversion of Grant into Ontario Medical Education Loan Conversion of grant into Ontario Medical Education Loan 23. (1) The Minister may convert all or part of a grant that was issued under this Regulation into an Ontario Medical Education Loan if, (a) the individual ceases to be appointed in an approved program of postgraduate medical education; (b) the circumstances of the individual have changed resulting in a determination that the individual is no longer eligible to receive a grant or is not entitled to the amount of the grant issued; (c) the Minister cannot, to the Minister’s satisfaction, verify the individual’s employment status as identified by the individual, or through other means, that the individual is meeting the requirements under the service commitment agreement; or (d) in the Minister’s opinion, the individual has otherwise breached the service commitment agreement. (2) The conversion of a grant into an Ontario Medical Education Loan in the circumstances described in clause (1) (a) or (b) occurs on the first day of the month immediately following the month in which the individual ceased to be appointed in an approved program of postgraduate medical education. (3) The conversion of a grant into an Ontario Medical Education Loan in the circumstances described in clause (1) (c) or (d) occurs on the first day of the month immediately following the month in which the circumstance occurs. (4) The Minister may cancel or amend the conversion of a grant into an Ontario Medical Education Loan if, in the Minister’s opinion, there are exceptional circumstances. (5) If part of a grant is converted into an Ontario Medical Education Loan under this section, the remainder of the grant may be subsequently converted into an Ontario Medical Education Loan. (6) The Minister shall notify an individual of the conversion of any grant issued to the individual into an Ontario Medical Education Loan, and of any cancellation or amendment of a conversion. Repayment Notice and Repayment Terms Repayment notice 24. (1) If an individual who entered into a medical education financial assistance agreement under this Regulation has ceased to be a medical resident and has received a grant that has been converted into an Ontario Medical Education Loan, the Minister shall send the individual a repayment notice. (2) A repayment notice issued under this Regulation shall apply to the medical education financial assistance agreement specified in the notice. (3) The repayment notice must establish the amount and duration of the repayments to be made to discharge the principal amount of all outstanding Ontario Medical Education Loans and the interest on the outstanding balance from time to time, and the notice may provide for other matters. (4) If an individual does not provide the Minister with a void cheque, a bank account number or with such other information or documents as may be necessary in order to collect payments in accordance with the terms of a repayment notice, the Minister may require a financial institution to make payments on the individual’s Ontario Medical Education Loans from an account at the institution that the individual has identified to the Minister. (5) The payments made by a financial institution under subsection (4) shall be made in accordance with the repayment terms set out in the repayment notice. Obligation to pay interest 25. The interest rate in effect on any day under a medical education financial assistance agreement or repayment notice is the prime rate on that day plus 1 per cent. Repayment terms 26. (1) The term for the repayment of an Ontario Medical Education Loan is to be determined by the Minister in consultation with the borrower. (2) Interest on an Ontario Medical Education Loan begins to accrue on the first day of the month in which the conversion of a grant into an Ontario Medical Education Loan occurs. (3) The borrower is entitled to repay all or part of an Ontario Medical Education Loan, without notice or bonus to the Minister, before the period for repayment specified in the repayment notice expires. (4) The obligation to repay an Ontario Medical Education Loan terminates upon the death of the borrower. (5) Instalments of the repayment of an Ontario Medical Education Loan are to be applied first to interest accrued to the date of the payment and then to the outstanding principal. Amendment to prevent default 27. The Minister may amend a repayment notice if the borrower notifies the Minister that the terms of the notice are such that the borrower will be in default and the Minister considers that an amendment to the notice will enable the borrower to meet their obligations under the notice. Default on Ontario Medical Education Loan Default on Ontario Medical Education Loan 28. (1) A borrower is in default of their obligation to repay an Ontario Medical Education Loan if the borrower, (a) unequivocally refuses to pay the loan; or (b) is in arrears under the repayment notice as a result of failing to make a monthly payment. (2) When a borrower is in default of their obligation to repay an Ontario Medical Education Loan, the loan is due and payable on the following date: 1. If the default occurs because the borrower unequivocally refuses to pay the loan, the day of the refusal. 2. If the default occurs because the borrower fails to make a monthly payment, the day of the missed payment. (3) When a borrower’s Ontario Medical Education Loan becomes due and payable, the Minister may take such measures as the Minister considers advisable in the circumstances, including amending the repayment notice or collecting the Ontario Medical Education Loan. General Duty to give notice of material change in circumstances 29. (1) An individual who enters into a medical education financial assistance agreement, under which the individual receives a grant pursuant to section 17, shall promptly notify the Minister, or such person or entity as may be designated by the Minister for the purposes of this section, of any material change in their circumstances that occurs during the individual’s program of medical residency. (2) For the purposes of subsection (1), a material change in circumstances includes, (a) a change of address; and (b) a change in the individual’s medical residency status. (3) An individual who enters into a service commitment agreement shall promptly notify the Minister, or any such person or entity as may be designated by the Minister for the purposes of this section, of any material change in their circumstances that occurs during the period that the individual must be employed in accordance with the service commitment agreement. (4) For the purposes of subsection (3), a material change in circumstances includes, (a) a change of address; (b) a change of employment status; and (c) the individual no longer being employed in accordance with their service commitment agreement. Change of address 30. An individual who enters into a medical education financial assistance agreement, under which the individual receives a grant pursuant to section 17, shall promptly notify the service provider, or such person or entity as may be designated by the Minister for the purposes of this section, of any change of address that occurs after the person ceases to be in a program of medical residency but before the repayment in full of the principal amount of the grant converted into an Ontario Medical Education Loan, and of any outstanding interest on that amount. Effect of false statements 31. (1) If a service provider discovers that a document pertaining to a grant contains a false statement, the service provider shall promptly report the matter to the Minister. (2) Upon discovering that the document contains a false statement, the service provider may take any action that they consider appropriate in the circumstances, with the approval of the Minister. Officers authorized to issue notices of assessment 32. The Deputy Minister and the Director, Student Financial Assistance Branch of the Ministry, are authorized to approve Ontario Medical Education Loans under section 8 of the Act. Authority of service providers 33. A service provider may act on behalf of the Minister in exercising rights and performing duties under this Regulation, if authorized to do so by the Minister. 34. Omitted (provides for coming into force of provisions of this Regulation).