Canada Financial Aid

Wondering how to finance your education? At the University of Toronto, there are many financial resources and support options for Canadian students outside of Ontario to help you finance your education.

Provincial and Territorial Government Assistance Outside of Ontario

If you’re a Canadian citizen, permanent resident, or protected person from another province or territory, or sponsored by a First Nations band, you may be eligible for financial assistance through your province or territories’ financial aid program or through your First Nations band. Be sure to check with your government or First Nations band. Don’t forget to apply well in advance before the start of your program!

The University Registrar’s Office at U of T is a good resource for students and can also assist with confirming enrolment and appeals.

University of Toronto Advance Planning for Students (UTAPS) Program

UTAPS is there when government funds are not enough. UTAPS fills the financial gap for full-time students who already receive the maximum amount of government aid available, but whose funding doesn’t cover all of their educational costs (e.g., tuition, books, living expenses).

U of T is the only Ontario post-secondary institution to provide non-repayable grants over and above what is required by the government. Through UTAPS, U of T not only helps students like you with tuition and book costs not covered by government student aid, but with living costs too.

Do You Qualify?

To be eligible for UTAPS funding, you must be:

  • A Canadian citizen, permanent resident, or a protected person (recognized convention refugee); and
  • Receiving both government student grants and loans (provincial/territorial government financial aid), or only educational funding for Indigenous students (e.g., Band funding provided through the Post-Secondary Student Support Program), AND be assessed as still having unmet need; and
  • Enrolled in a UTAPS-approved program; and
  • Registered in a full-time course load per the Ontario Student Assistance Program (OSAP) requirements during the Fall and/or Winter terms;
  • For the summer term, UTAPS is only available to UTSC students who are registered in a full-time course load (per OSAP requirements) for the entire May to August summer session.

The following students are not eligible: international; part-time; enrolled in co-op, internship, or PEY work term(s); students who opt for grant-funding only; single students who are less than 6 years out of high school who opt out of providing parental information.

UTAPS Online Estimator

After you’ve applied to U of T, you can submit our Financial Aid/UTAPS Online Estimator to determine your eligibility for UTAPS. We may also use the information you provide on the Online Estimator to assess your eligibility for other need-based admission awards.

The Financial Aid/UTAPS Online Estimator only provides an estimate and doesn’t provide a guarantee of funding. It’s important that you accurately report the information requested. The Online Estimator is only used to assess your eligibility for financial aid—you will still need to apply for government student aid funding through your home province after accepting a U of T offer of admission.

Only current applicants have access to the Financial Aid/UTAPS Online Estimator. You’ll need your JOINid to access the Estimator. The deadline to submit the Financial Aid/UTAPS Online Estimator is February 28, 11:59 pm EST.