Mmm. Clearly I've been missing out as I pay my yearly tuition up front by direct transfer. Of course, my credit limit is a paltry sum next to full-time B.Eng fees.

I just looked at a pay stub from a couple weeks ago and it looks like I'll be dealing with OSAP soon; by now my earnings exceed the rumoured cutoff point at which my loans will be re-evaluated. I splurged on studded tires and clipless pedals so I won't have saved any money by staying off the buses. This month's transit strike makes it all worth it, though.