OSAP and Other Government Aid

The Ontario Student Assistance Program (OSAP) is a government financial aid program made up of a mix of grants and loans. Once you apply and qualify for OSAP, you’ll be considered automatically for other sources of funding, like UTAPS. If you’re from another Canadian province, territory, or First Nations band, you can apply for aid through your government’s financial aid program or your First Nations band.

University of Toronto Financial Aid (UTAPS)

Does your government financial aid not quite cover all your costs? UTAPS is for full-time students who receive the maximum government financial aid available but whose funding still doesn’t cover all their university costs. UTAPS helps fill the financial gap. Ontario residents must be receiving OSAP to be considered. If you’re receiving financial aid from another Canadian province, territory or a First Nations band, you may be eligible for UTAPS too.

Financial Aid/ UTAPS Online Estimator: How much funding could I receive?

Use the Financial Aid/ UTAPS Online Estimator to get an estimate of how much Financial Aid/ UTAPS funding you could receive. This can help with planning your finances for your University studies.

Other Loans and Student Lines of Credit

Entering a professional program like Law or Medicine? You might qualify for a low-interest bank line of credit through the Scotia Professional Plan for Students. Or if you’re a US citizen, the US Direct Loan Program could provide the support you need.

Emergency Grants

As much as you plan ahead, you can’t always avoid an unexpected financial crisis. That’s why the University of Toronto has grants available for emergency situations.

Part-Time Students

Studying Part-Time? Look into your options for financial aid, including OSAP for Part-Time Students, and the Noah Meltz Program of Financial Assistance.

Financial Aid for Students with Disabilities

Explore the funding opportunities available for students with disabilities. In addition to OSAP, you’ll find a mix of grants and programs to help make university accessible and successful.

Work-Study Program

Develop your skills, knowledge, and work experience through the University of Toronto’s Work-Study Program. You can be hired for paid work on campus.

Financial Counselling Directory

Get help planning a budget and navigating your options – from family and personal resources, to financial aid, scholarships, grants and more. Make an appointment with a financial counsellor.