Additional financing with schulich scholarship

[JPJ]

Could anybody provide advice about what other sources of financing to use when one receives the schulich scholarship? I understand that most med students use OSAP loans and LOCs for financing purposes, but I am wondering whether it would be necessary to get an LOC given that the schulich scholarship gives 20K. How much does OSAP typically provide if you have this scholarship( assuming negligible additional sources of financing)? Also, is it possible to get an LOC at the beginning of second year if you didn't get one at the start of your first year? Western projects annual med student costs at around 36K, so I am trying to see how to finance my budget. Any advice is highly appreciated. (sorry for posting two threads - I think the chance of getting a good response is greater)