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Financial Assistance

The Office of Financial Assistance

Everyone knows medical education is expensive. The Office of Financial Assistance at NOSM University is here to help.

If you are in the MD program, continue reading!

For other programs, please see information on financial assistance on pages for NODIP interns, Residents, and Graduate Students, Postdocs, and Fellows. Information on financial assistance is currently in development for other NOSM University programs, but if you have questions please don’t hesitate to contact us today.


Attention: Change to Ontario Student Assistance Program (OSAP) Payments

OSAP payments to NOSM University students will now be applied directly to your NOSM University student account. Any amount of OSAP that you have been awarded that is above the amount of the first installment of tuition and fees will be sent directly to you.

Example:

OSAP Allocation $15,000 |

1st Installment − $11,004.11 – applied to NOSM University student account.

                                 $3,995.89 – sent directly to the student

Inquiries regarding student accounts should be directed to accounts@nosm.ca


NOSM University Financial Assistance Information Sessions

NOSM University’s Financial Assistance Office will be holding financial aid presentations throughout the year. These presentations will take place in person or via an interactive webcast for those who cannot be present.

Session 1: Applying for Student Aid

In this session, we examine the cost of Medical School and identify the various resources available to assist you with these costs. To view the presentation, follow this Link

Session 2: NOSM U Bursary application presentation

In this session, we will go through the process of filling out the NOSM U Bursary application, budget information, and selecting the bursaries that are right for you. NOSM U bursaries are based on financial need.

Session 3: Financial Wellness

In this session, we will help you forecast expected costs for Medical School. We then look at budgeting and corrective measures. By the end of this session, you should know how much Medical School will cost, and will understand the impact of applying for Provincial Student aid (such as OSAP) and NOSM U Bursaries.

Session 4: Graduating with Debt

In this session we, will help you understand the options available to you upon graduation. We will provide a list of programs that will assist you with debt reduction, interest payments, and overall lowering the amount you will have to pay back on loans.

Estimated Student Yearly Costs

The estimated total cost for the first year of schooling at the NOSM University for 2021-22 for a single student with no dependents is approximately $65,000. This total includes tuition, ancillary fees, books, equipment, etc. plus living expenses.

We know that living expenses can be expensive. The following mechanisms are currently in place to minimize the impact of direct educational expenses for NOSM University students:

  • In first and second year, accommodations and travel reimbursements are provided for modules that are completed outside of the students’ home campus.
  • The third year of medical education at NOSM University is a comprehensive community clerkship (CCC) in a community outside of Sudbury and Thunder Bay. Students are eligible for reimbursement for up to $9,000 in direct costs (*subject to change) through NOSM University on behalf of the Ministry of Health, in recognition of the costs incurred during their time at a new community.
  • Fourth year at NOSM University is a clerkship which includes core rotations at the hospitals in Sudbury or Thunder Bay and electives (as required). Students are eligible to participate in the Clerkship Stipend Program (Known publicly as the Final Year Medical Student Bursary Program-FYMB) through NOSM University on behalf of the Ministry of Health, which provides a $9,000 stipend (provided in quarterly payments of $2,250 *subject to change) for their final year of medical school. Information on this program will be provided when you enter your final year.

Financial Aid Resources

For most students, it will be necessary to incur some debt, through access to government student assistance programs and/or a private Line of Credit with a financial institution. Many banks have professional student Lines of Credit designed specifically for medical students. On average a single student, with no dependents, will spend $240,000 over the 4 years of the MD program. Most banks and financial institutions are offering a $300,000 -$350,000 Line of Credit for Medical Students with low interest rates.

You may be eligible for provincial student loans from your province of residence. For Ontario students, this is the Ontario Student Assistance Program (OSAP). There are Financial Aid Officers at NOSM University who will be able to assist you with your provincial loans, as well as NOSM University bursaries, external awards & bursaries, and budgeting. When applying for provincial assistance such as OSAP, please choose NOSM University as your institution. Our Financial Aid Officers are dedicated to serving the needs of our medical students and is very familiar with the costs of medical school and the resources available.

NOSM University has General Bursary and Named Bursary programs. For the 2020-21 academic year the total bursary amount awarded was approximately $1,316,818 to 234 recipients. The average bursary provided to the students was $5,627. Bursaries are granted on the basis of demonstrated financial need and are intended to assist students when their own resources (including student loans, summer work savings and other personal sources of funds, etc.) are insufficient for the academic year. Students applying for bursaries must have applied for provincial student loans in the year of application for bursaries. Students will be required to demonstrate an unfunded need beyond their provincial assistance and personal resources. Application information for bursaries will be provided in the first week of classes.

External Bursaries

The Office of Financial Assistance has a variety of external funding opportunities available to medical students at NOSM University. These opportunities have different timelines than regular NOSM University bursaries, and emails will be sent out weekly to keep you informed of upcoming bursaries. Our list of available external bursaries is also hosted here so you can look ahead to opportunities that will come later in the year.

If you intend to apply for an external bursary, please be sure to follow the link to the original website and read the details of the award application thoroughly. If you have questions, please reach out to us at bursaries@nosm.ca.

Medical Awards, Bursaries and Scholarships

This award is intended to recognize learners who have demonstrated a commitment and/or passion for health professions education. This could be education research, curriculum or workshop development, leadership, advocacy, etc, that has had a positive impact on the health professions education community at their school or beyond.
In 300 words or less, please let us know how the individual has demonstrated a commitment and/or passion for health professions education. This could be education research, curriculum or workshop development, leadership, advocacy, etc., that has had a positive impact on the health professions education community at their school or beyond.

Please email your submission to your Financial Aid Officer (bursaries@nosm.ca) by December 1st. Note, the NOSM University review panel will decide by December 12th.

CaRMS
Sandra Banner Student Award for Leadership – Due December 15th
The purpose of these annual awards is to encourage the development of future leaders in medicine, through public recognition and financial support of undergraduate and postgraduate medical trainees who have demonstrated interest in/aptitude for leadership. Please follow the above link to apply.

Federation of Medical Women of Canada (FMWC)
Federation of Medical Women of Canada (FMWC) – Awards

Student Leadership Award – Due December 31st
This award recognizes the FMWC medical student member showing the most potential in the realm of leadership. Particular interest is given to candidates who demonstrate leadership in support of the FMWC mission statement. Both the nominee and nominator are required to be current FMWC members.

City of Thunder Bay
City of Thunder Bay Medical Student and Resident Book Grant  – Due December 31st 2022
Students are eligible to receive a grant once during their first year of a Canadian MD program, and once during their first year of a Canadian residency program. Must have attended high school within the District of the City of Thunder Bay.

Society of Rural Physicians of Canada (SRPC)
Society of Rural Physicians of Canada (SRPC)

Rural Student Leadership and Rural Resident Leadership Awards  – Due January 31st
The Rural Student/Resident Leadership Awards are presented to students and residents in good academic standing who have demonstrated a sustained interest in rural medicine. Must be a member of the SRPC.

Student and Resident Essay Award
Each year the SRPC’s Nominations and Awards Committee hosts a rural essay contest for medical students and residents. The winning essays will be added to the SRPC website and considered for publication in the CJRM. Must be a member of the SRPC.

Ontario Medical Association (OMA)
OMA Ontario Medical Student Bursary Fund – Due January 31st 2023

All applicants must be an active member of the OMA. There are a number of bursaries available, we have listed the ones most likely to be relevant to you as a NOSM University medical student.

Dr. Stephen J. and Barbara Kosar Memorial Bursary
Applicants must be from Northeastern Ontario (Algoma District, Cochrane District, Manitoulin District, Sudbury District, Timiskaming District, or the single-tier municipality of Greater Sudbury) and attending NOSM University.

Dr. Arlene MacIntyre Medical Student Bursary
Applicants must be in their final year of study and plan to pursue family medicine.

Dr. Ronald Twiddy Medical Student Bursary
Applicants must be in their final year of study and plan to pursue family medicine.

Dr. Gilbert Hopson Medical Student Bursary
Applicants must be a current resident or high school graduate of Sault Ste. Marie.

OMA District 11 and BPAO Medical Student Award
Applicants must self-identify as Black, and provide a 500 word essay on “why you deserve this award, how you think receiving it will make a positive impact on you and your community”.

Eye Foundation of Canada
Eye Foundation of Canada Summer Scholarship  – Due February 6 2023
This program consists of education and research experience in the diagnosis and management of eye disease. It is conducted at the Eye Associates and Greater Toronto Area with portions at various University of Toronto teaching hospitals, encompassing all sub-specialty areas in ophthalmology. Each student will become involved in at least one research project that is supported by the Foundation. We ask that applicants write to us expressing their interest and include their Curriculum Vitae and the dates of their availability for the summer of 2023. Applicants are to write to eyefoundation@rogers.com

Canadian Association of Physical Medicine and Rehabilitation (CAPM&R)
Canadian Association of Physical Medicine and Rehabilitation (CAPM&R ) Awards and Grants

Medical Student Essay Contest – Due March 2nd
Any medical student enrolled in a Canadian Medical School at the time of the essay deadline can apply. The essay should review a topic relevant to Physical Medicine and Rehabilitation.

Medical Student Research Contest – Due March 2nd
Applicants must submit an original investigation in the field of Physical Medicine and Rehabilitation.

Medical Council of Canada
Medical Council of Canada (MCC) Awards 

Dr. M. Ian Bowmer Award for Leadership in Social Accountability – Due April 5th 2023
In the spirit of Dr. Bowmer’s advocacy work, this award is given to one medical student and one resident who have demonstrated leadership in social accountability within the Schools of Medicine in Canada.

Dr. W. Dale Dauphinee Award for Excellence in Medical Education and Assessment – Due April 5th 2023
In support of Dr. Dauphinee’s commitment to learning, this award is given to one medical student and one resident who have demonstrated excellence in medical education and assessment within the Schools of Medicine in Canada.

College of Family Physicians of Canada (CFPC)
College of Family Physicians of Canada (CFPC) – Opportunities for Medical Students

CFPC Medical Student Scholarship – Due April 19th 2023
Nominees must demonstrate an interest in or commitment to a career in family medicine, and be in their second-last year of study. Submissions must be emailed to your Financial Aid Officer (bursaries@nosm.ca) by April 19, 2023. 

CFPC Indigenous Medical Student Scholarship – OPEN NOW – Due April 19th 2023
This award recognizes a top First Nations, Metis, or Inuit medical student in Canada who has shown an interest in or commitment to a career in family medicine. Nominees must be in their second-last year of study.

Canadian Society of Palliative Care Physicians
Annual Undergraduate Narrative Award for Pallative Medicine – Due May 12th 2023
This award is open to all undergraduate medical students in the penultimate year of their programs and will be promoted to them through the CSPCP Undergraduate Committee members.

 

Canadian Anesthesiologists’ Society
Canadian Anesthesiologists’ Society (CAS) Medical Student Prize
This essay competition seeks to increase awareness among undergraduate medical students of the specialty of anesthesia and the role of anesthesiologists in modern healthcare. Essays should be submitted to your Financial Aid Officer (bursaries@nosm.ca)

Canadian Association of Pathologists
Canadian Association of Pathologists (Association canadienne des pathologistes) (CCCPA)

Student Award
Cash awards will be presented to a student in pathology and a member of CAP-ACP presenting the best proffered paper or the best poster at the Annual Meeting of the Association. There will be one award. A notice of these Awards and the call for abstracts is sent to the CAP-ACP Members.

Canadian Association of Radiation Oncology (CARO)
Canadian Association of Radiation Oncology (CARO) Pamela Catton Summer Studentship Award
These studentships provide Canadian medical students with Radiation Oncology experience. Studentships will take place in participating cancer programs across Canada and are open to any student in a Canadian medical school. They may be held after completion of the first medical year, and before graduation.

Canadian Federation of Medical Students (CFMS)
Canadian Federation of Medical Students (CFMS) Leadership Award
The CFMS and MD Financial Management want to recognize some of the passionate, dedicated and caring medical student leaders across Canada who have made innovative contributions to their schools and communities.

MD Travel Awards
Each year the CFMS and MD Financial Management set aside funds to provide financial assistance for CFMS member medical students who wish to attend their Annual Meetings.

The Canadian Geriatrics Society
The Canadian Geriatrics Society – Student Poster Award
At each CGS Annual Scientific Meeting, three awards will be presented for the best posters. Any trainee or student is eligible for this award. Those who are eligible are automatically considered upon abstract submission.

Canadian Psychiatric Association
Canadian Psychiatric Association(CPA-APC) COUPE Best Paper Award for Medical Students
Recognizes a student in undergraduate medical training who demonstrates an enhanced level of understanding and interest in mental health. Essay required. Submissions must be emailed to your Financial Aid Officer (bursaries@nosm.ca)

Canadian Society of Addiction Medicine
Canadian Society of Addiction Medicine (CSAM-SMCA) Student Travel Bursary
Funding is available for students to attend the CSAM-SMCA Conference. Please fill out the application at the link above.

Health Force Ontario
Health Force Ontario – Clerkship Travel Program
Ontario medical students in the final two years of their program (including those who participated in an extended/advanced clerkship program after September 1, 2017) may receive up to $1,500 (taxes included) in travel and accommodation expense reimbursement for one rotation per academic year at an Academic Health Science Centre in Ontario that is 100 kilometres or further from the clerk’s home medical school.

Professional Association of Residents of Ontario (PARO)
Professional Association of Residents of Ontario (PARO) Citizenship Award 
Awarded to individuals who have made a significant contribution towards improving the general welfare of medical students. Applicants must be in adequate academic standing. For more details, inquire with your Financial Aid Officer (bursaries@nosm.ca)

 

Canadian Society of Pharmacology and Therapeutics
Canadian Society of Pharmacology and Therapeutics (CSPT) – Travel Awards – Closed for 2022
A limited number of travel awards are available students who are presenting their work at the CSPT Annual Conference. Applicants must be CSPT members in good standing at the time of application.

Ontario College of Family Physicians
Ontario College of Family Physicians (OCFP) – Closed for 2022

Medical Student of the Year award
This award recognizes a medical student who is an emerging leader and advocate for family medicine. To qualify, applicants must be a student enrolled in an Ontario medical school and demonstrate a recognized interest in family medicine and/or primary care.

Canadian Society for Molecular Biosciences (CSMB)
Canadian Society for Molecular Biosciences (CSMB) – Awards

Student and Postdoctoral Fellow Research Awards – Closed
Awards are available for students who would like to participate in the CSMB annual meeting.

Canadian Rheumatology Association
Canadian Rheumatology Association Best Abstract by a Medical Student Award Closed

This Award has been established to recognize exceptional research presented as an oral or poster presentation and to encourage participation of medical students at the CRA Annual Scientific Meeting (ASM).

Canadian Sleep Society
Canadian Sleep Society (CSS) Student awards

CSS Outstanding Trainee Achievement Award – Closed
Applicants must have published in a peer-reviewed journal, and be first author of the article. Must be a current member of the CSS.

CSS Student Abstract Competition
Each year the CSS holds a competition for CSS student members for the best abstract submitted (to either SLEEP in the U.S., or CSS when conferences are held in Canada

Canadian Society of Internal Medicine 
Canadian Society of Internal Medicine (CSIM) Awards, Abstracts and Funding

CSIM Residents and Medical Student Associates – Ted Giles Clinical Vignettes – Closed
Applicants must be a CSIM Student Associate. Applicants are welcomed to submit a clinical vignette, a concise presentation of a unique, unusual, or complex clinical problem in the management of which the trainee has played an active role. It should summarize the admission complaint or symptoms, relevant history, physical and laboratory findings, tentative diagnosis, diagnostic investigation, treatment, and outcome.

CSIM Resident and Medical Student Associates – Postgraduate Research and QI Oral and Poster Competition – Closed
Applicants must be a CSIM Student Associate. Abstracts must present a clear, concise summary of the work. Abstracts must be no more than 350 words and must be submitted in English. Abstract topics must be IM- or GIM-related. QI abstracts must use QI methodology. Abstracts must be submitted online.

The Canadian Medical Association

Awards for Young Leaders – Closed
Recipients of this award will have demonstrated exemplary dedication, commitment and leadership in one of the following areas: political, clinical, educational, or research and community service. Self-nominations are ineligble, and will be handled by NOSM University. Nominees must be members of the CMA.

Dr. Brian Brodie Organizational Leadership Development Award – Closed
The award is granted to one student and one resident who demonstrate exemplary dedication, commitment and leadership. The award is intended to help pursue further leadership development opportunities. Nominees must be members of the CMA. To apply, you must provide

  • a detailed letter of nomination accompanied by two letters of support (letters must be no longer than 2 pages in length) and your curriculum vitae or bio (3 page maximum).
  • a 200-word statement describing how you plan to continue Dr. Brodie’s legacy in leadership development. Please describe how your experience, passion and leadership experience and commitment to furthering that experience to date will facilitate the training and development of others in the medical profession.

Please email your submission to your Financial Aid Officer (bursaries@nosm.ca).  

Indigenous Awards, Bursaries and Scholarships

Indigenous Bursary Search Tool (Government of Canada)
The Indigenous bursaries search tool is a searchable list of bursaries, scholarships and incentives aimed at Indigenous students across Canada.

RBC
RBC Future Launch Scholarships – Due December 8th
The RBC Future Launch Scholarship for Indigenous Youth will award 20 scholarships annually valued up to $10,000 each per year (up to 4 years) to First Nations, Inuit and Métis students across Canada demonstrating strong academic performance and community involvement.

Indspire
Building Brighter Futures – Due August 1st, November 1st, and February 1st
Indspire’s Building Brighter Futures: Bursaries, Scholarships and Awards (BBF) program opens doors through education. There is one application for most of Indspire’s bursaries, scholarships, and awards. You only need to complete the application once to be considered for all applicable bursaries, scholarships, and awards.

College of Family Physicians of Canada (CFPC)
College of Family Physicians of Canada (CFPC) – Indigenous Medical Student Scholarship – OPEN NOW – Due April 19 2023
This award recognizes a top First Nations, Metis, or Inuit medical student in Canada who has shown an interest in or commitment to a career in family medicine. Nominees must be in their second-last year of study.

Indigenous Services Canada (ISC)
Post-Secondary Student Support Program – PSSSP
The program aims to improve the socio-economic outcomes for First Nations by supporting First Nations in providing eligible students with funding to access education opportunities at the post-secondary level. First Nations students who want to pursue post-secondary studies and access available funding programs should contact their local band office or ISC regional office.

Acto
ATCO Indigenous Education Awards Program  – Opens March 2023
These awards, bursaries and scholarships are given to students who demonstrate leadership capabilities and strive to be role models in their schools and communities.

First Nations Child & Family Caring Society
Jordan’s Principle Scholarship – Closed
Jordan’s Principle Scholarship supports First Nations students who are studying children’s health or children’s disabilities at a Canadian Post-secondary institution. Recipients will  demonstrate a commitment to Indigenous children’s health and community service as well as academic commitment and achievement

Ontario Non-profit Housing Association
The Kathleen Blinkhorn Aboriginal Student Scholarship Fund – Closed
To be eligible for this scholarship, a student must meet all of the following criteria:

  • must identify as an Indigenous person
  • must be living in non-profit housing in Ontario during the school term
  • must be enrolled in a program at a recognized college, university or private trade school for the 2022-2023 school year, or program equivalent

Native Women’s Association Canada
Helen Basset Commemorative Student Award – Closed
Every year, the Native Women’s Association of Canada (NWAC) provides the Helen Bassett Commemorative Award to four Indigenous women, Two-Spirit, or gender-diverse students, in the amount of $1,000 each. Applications for 2022-2023 are closed.

Canada Post
Canada Post Awards for Indigenous People – Closed for 2022

Canada Post gives $2,000 grants to Indigenous Peoples who have renewed their educational learning. Those eligible will have: been out of school for 1 year or more and are returning, and are already returned to school and completed 1 full year of studies.

Modern Métis Woman
Modern Métis Woman Scholarship – Closed
Modern Métis Woman has incorporated a scholarship opportunity that can further assist Métis identifying women that are, or will be, attending a University in Canada. The application requires you provide a 1,000 -1,500 essay on one of the following questions:
1. What is your definition of the Modern Métis Woman?
2. How has your Métis Heritage affected you on a personal level?
3. A topic of your choice that relates to Métis Women.

Francophone Awards, Bursaries and Scholarships

Fondation Baxter & Alma Ricard
Fondation Baxter & Alma Ricard – Due December 1st 2022
Le programme de bourses de la Fondation s’adresse aux étudiants et étudiantes ayant terminé un Bac ou inscrits à l’obtention d’un deuxième Bac, d’une Maîtrise ou d’un Doctorat et vivant en permanence dans une situation linguistique francophone minoritaire au Canada « francophones hors Québec ».

Other Awards, Bursaries and Scholarships

Student Awards
This website provides a list of scholarships, bursaries, and awards available from a variety of places.

Scholarships Canada
This website provides a list of scholarships available from a variety of places.

American Osler Society – William B Bean Student Research Award – Due March 23 2023
The Bean Award Committee is seeking student projects that expand the knowledge of medical history and the use of literature and the arts to improve medical practice. Projects can be either literature research or active studies in medical education and practice.

Storwell – Foster Child Bursary Program – Closed
Applicant must have been a foster child with an official Canadian or American foster care program and agrees to having the above organization verify the same.  Applicant must be 24 years of age or less at the time of application.


Other Information

Timelines for Financial Aid

OSAP or Provincial Loans Application After June 30, 2022 and before March 2023
NOSM University Bursaries and Awards Fall 2022 and some in Spring 2023
External Bursaries, Awards and Scholarships Vary depending on organization.

Applications for provincial loans may begin June 30, 2022. Please check provincial loan program websites for deadline dates.

Sponsorship

For any students who have sponsorships, NOSM University can send an invoice to your sponsor. Please send a pdf letter of sponsorship to the NOSM University Finance Unit by email at finance@nosm.ca.

Out of Province Loans

Province Name of Agency Address Contact Information Website
Alberta Alberta Student Loans Students Finance
P.O. Box 28000 STN MAIN
Edmonton, AB T5J 4R4
Ph: 1-800-222-485 http://studentaid.alberta.ca/
British Columbia StudentAid BC Ministry of Advanced Education
P.O. Box 9173, Stn Prov Govt
Victoria, BC V8W 9H7
Ph: 1-800-561-1818

Fax: 1-250-356-9455

https://studentaidbc.ca/
Manitoba Manitoba Student Aid Student Aid Office
409 – 1181 Portage Ave.
Winnipeg, MB R3G 0T3
Ph: 1-800-204-1685 (in Manitoba)

Ph: 204-945-2313 (outside Manitoba)

http://studentaid.gov.mb.ca
New Brunswick New Brunswick Student Financial Assistance Program Student Financial Services
Department of Education
P.O. Box 6000, 548 York St.
Fredericton, NB E3B 5H1
Ph: 1-800-667-5626 http://studentaid.gnb.ca
Newfoundland Newfoundland & Labrador Student Financial Services Division Department of Youth Services & Post-Secondary Education
P.O. Box 8700
St. John’s, NL A1B 4J6
Ph: 1-888-657-0800 https://www.gov.nl.ca/education/studentaid/
Northwest Territories NWT Student Financial Assistance Program Education, Culture & Employment
P.O. Box 1320
Yellowknife, NT X1A 2L9
Ph: 1-800-661-0793 https://www.ece.gov.nt.ca/en/services/student-financial-assistance
Nova Scotia Nova Scotia Student Assistance Student Assistance Office
P.O. Box 2290, Halifax Central
Halifax, NS B3J 3C8
Ph: 1-800-565-8420 http://studentloans.ednet.ns.ca
Prince Edward Island Student Financial Assistance Programs Student Financial Services

Department of Education
P.O. Box 2000, 16 Fitzroy St.
Sullivan Building, 3rd Floor
Charlottetown, PEI C1A 7N8

Ph: 902-368-4640 http://www.studentloan.pe.ca/
Québec Aide Financière aux Études Service de L’accueil et des Renseignements
1035, rue De La Chevrotiere
Québec, QC G1R 5A5
Ph: 1-877-643-3750 http://afe.gouv.qc.ca
Saskatchewan Canada-Saskatchewan Integrated Student Loans Program Student Financial Assistance Branch
Saskatchewan Learning B21
3085 Alberta St.
Regina, SK S4P 3V7
Ph: 1-800-597-8278 https://www.saskatchewan.ca/residents/education-and-learning/student-loans
Yukon Student Financial Assistance – Advanced Education Department of Education
Government of Yukon
P.O. Box 2703
Whitehorse, YK Y1A 2C6
Ph: 867-667-5929 http://www.education.gov.yk.ca/student-funding.html

Contact Us

If you have any further questions, please do not hesitate to contact our Financial Aid Officers at:

(807) 766-7474 on the Thunder Bay Campus

(705) 662-7009 on the Sudbury Campus

1-800-461-8777 (Canada wide toll free number ext. 7474)

or via email at financialaid@nosm.ca.