The Ontario Student Assistance Program (OSAP) is a government financial aid program that assists eligible Ontario residents attending university through a combination of loans and grants.
OSAP is changing for 2018-19. Starting this year, the Government of Ontario requires OSAP funding to be sent directly to the University of Toronto to reduce your tuition and fees. For more information about the changes to OSAP for this year, see our OSAP FAQs.
Visit the OSAP website to learn more and apply for OSAP today: www.ontario.ca/osap
Provincial/Territorial Loan Programs
Students who are Canadian citizens, permanent residents, or protected persons may be eligible for financial assistance from their provincial or territorial governments. Applications are usually available in late May or early June.
- Nova Scotia
- British Columbia
- Prince Edward Island
- New Brunswick
- Northwest Territories
Frequently Asked Questions
Q: How do I apply for financial aid from my province?
A: Visit your provinces Financial Aid website to see if you are eligible for student loans directly from your province. Click here to find links to your provinces financial aid website.
Q: When should I apply for funding?
A: While every province varies in their processing times, you should plan to apply 6-8 weeks before you begin your studies to ensure you will receive your funding at the start of your study period. All applications must be submitted to Enrolment Services no later than 8 weeks before the end of your study period.
Application Result - Refused:
Q: What if my province denies me financial aid because of my residency status?
A: If your province denies you financial aid based on your residency status, you may be eligible to apply for funding through OSAP. Contact OSAP directly to find out further details.
British Columbia- Appendix 3:
Q: I am still waiting for my Appendix 3 request to be completed. When can I expect this to be done?
A: The University of Toronto received the final approved tuition and fees information in third week of July. The final tuition and fee information is what is needed to process financial aid application files for Out of Province students. For Appendix 3s submitted prior to this July timeframe, the processing time is up to 3 weeks. Appendix 3 requests are completed date order received.
Q: I have submitted multiple Appendix 3s. How does this affect my request?
A: Please note, we receive online Appendix 3 requests automatically. Please do not submit multiple Appendix 3 requests as this action will push your application to the end of the queue. Once our office completes your Appendix 3 request, you may check your status online.
Confirmation of Enrolment:
Q: My application status says I’m waiting for Confirmation of Enrolment, what do I need to do to have it completed?
A: The University of Toronto begins confirmation of enrolments the first day of classes begins. U of T will be automatically be prompted by your home provinces student aid program to complete this step. The student’s responsibility should be to ensure that they are enrolled and Registered in the minimum course load to receive funding and do not have any financial holds on their University of Toronto accounts.
Q: How long will it take for the University to complete my Confirmation of Enrolment?
A: After your first day of classes have begun at the start of each semester (our peak processing period) and after your request to confirm your enrolment has been received from your home province, it can take up to 3 weeks to complete the request. Please apply early to avoid long processing times. Confirmation of Enrolment is processed in order of being received.
Quebec students must submit a Studying Outside Québec – Confirmation of Student Status (1121) form to Enrolment Services in order to have their registration confirmed.
North West Territories Students do not need an additional step for Confirmation of Enrolment other than the Form D.
Course Load Changes:
Q: What do I do if I drop below the minimum course load?
A: Notify Enrolment Services immediately with any changes to your course load so we can update your provincial/federal loan servicer of your status. Enquiries of how changes in course load impact your financial aid application should then be directed to your home province.
Q: How do I defer my fees?
A: Please be sure to provide your provincial Notice of Assessment to Enrolment Services, either in person or via email at email@example.com. Your Notice of Assessment will outline the funding you will receive for the upcoming academic year. We do not accept Canada Revenue Agency (CRA) Notices of Assessments.
After confirming receipt of your Notice of Assessment, we will update your file at Enrolment Services. Within three business days, you can log into ACORN to defer your tuition fees according to the instructions by your Division.
Q: How will my money be issued to me once my loans have been approved?
A: For all Canadian provinces other than Yukon Territory, you will receive your funds directly deposited into your bank account once your registration has been confirmed by the University of Toronto, and you have begun attending classes.
If you are receiving funding from Yukon Territory, your funds will be issued to you in a cheque that you will pick up from Enrolment Services office. You will be notified by email when your cheque is available for pick-up.
If you are receiving part-time loans, your province may mail you your loan documents that will need to processed at an authorized postal unit. You should follow up directly with your province for more information about this process.
Q: Who do I contact with questions about my student loan?
Your first point of contact should be with your home province as they can assist you with your queries related to your financial aid application. If you are unable to resolve your questions with them, your second point of contact will be Enrolment Services, Out of Province Financial Aid Team at the University of Toronto. You may e-mail firstname.lastname@example.org.
Form Requests: Canadian Provinces/Territories (not including Quebec students)
Q: I have submitted a form for the 2018-2019 academic year, why have I not received it yet?
A: Please note, the 2018-19 final tuition and fees were released by U of T during third week of July 2018. Processing time is 1-3 weeks for a form that was received prior to when the final tuition was released. Forms are completed in date order received.
Program Information Form:
Q: I need a Program Information form completed so I can receive funding form my home province. How can I have this request completed?
A: You may submit your Program Information forms to Enrolment Services in person or via email at email@example.com. Please be sure to complete any “Student Information” sections of the form. Please include your student number in your email.
Quebec- Aide financière aux études (AFE) :
Q: I have submitted a form for the 2018-2019 academic year. When can I expect it to be completed and returned to me?
A: Please note, the 2018-19 final tuition and fees were released by U of T during third week of July 2018.
Forms submitted to Enrolment Services prior to when the final tuition was released will have a processing time of up to 3 weeks. Forms are completed in date order received.
Specifically, for students who have handed in a Quebec Form 1121 “Confirmation of Student Status” the requirement to complete the form is the student must have deferred fees and be registered in a full time course load on ACORN. The student’s responsibility is to ensure that they are enrolled and registered on ACORN in the minimum course load for their financial aid application requirements.
Q: AFE has reported a deadline for me to submit my online documentation. How can I ensure I meet the deadline they have specified to me?
A: We are aware that you may have a deadline as given to you by AFE to submit your forms online. Once our office completes your forms, we will send you a scanned copy of the completed form via email. Students are responsible for uploading the completed document online to AFE. This online upload action by the student will then reopen your AFE file without issue so your application can continue to be processed by them.
Q: I submitted a form that is to be completed by Enrolment Services. Do I still need to defer my fees?
A: Yes. If you have submitted a form to Enrolment Services prior to August 2018, follow the instructions as issued by your Division to defer your fees on ACORN. If you submit your form on August 1 or later: Please wait three business days from the day you submitted your form to defer your fees on ACORN.
Crown Ward Grant
The University of Toronto Crown Ward grant helps eligible students with their tuition costs.