I'm going to turn this into a game. Lets see if I can 'beat the bank' and pay down my loans faster than they said I could. Lets see if I can save myself hundreds in interest.

Here's how I'm going to do it.

Tax refund - $1339.28
$1000 is going onto my credit card. If I continue to pay my monthly payments of $200 after that, it will take me around 4.5 years to pay off my debt. That is taking 3.5 years off of my debt repayment.
$339.28 is going on my TD line of Credit. This brings my total down to $14089.15. If I continue to pay $150 a month after that, it will take me just under 8 years to pay off. Not as spectacular but it does knock a couple months off.

OSAP- Current monthly payment - $88.15
If I pay $11.85 more a month, I take my loan repayment down from 86 months (7.16 years) to 74 months (6.16 years) and save myself $163.44 in interest.

So all in all, this plan is going to take roughly 4.1 years off of my total repayment which sounds pretty sweet to me.

Next step... get a raise/better paying job/second job and throw that money on my credit card to get it down to a more reasonable level.