University of Toronto Financial Aid (UTAPS)

University of Toronto financial aid programs fill the financial gap for full-time students who receive the maximum amount of government financial aid available, but whose funding doesn’t cover all university costs.

UTAPS funding varies depending on student need. See the Financial Aid/ UTAPS Online Estimator

Who is Eligible for UTAPS?

To be eligible for UTAPS funding, you must:

  • Be a Canadian citizen, permanent resident, or a protected person (recognized convention refugee); and
  • Be registered in a full-time courseload (per OSAP requirements) during the Fall and/or Winter terms; and
  • Be receiving government student aid (OSAP/other provinces or territories) or First Nation’s band funding, AND be assessed as still having unmet need; and
  • Be enrolled in an eligible program.

Note: International students and part-time students are not eligible.


How to Apply

Prospective Students: Complete and submit the Financial Aid/ UTAPS Online Estimator to get an estimate of how much University of Toronto funding you may be eligible for.

For students applying for admission to a program which admits students directly from high school, complete and submit the Financial Aid/ UTAPS Online Estimator February 28.

Information entered on the UTAPS Online Estimator may be used by the University to determine your eligibility for need-based funding for the upcoming school year.

Please note: you must still apply for funding through OSAP or your home province to receive government student aid when your government student loan agency makes the application available.

Current Students:

  • OSAP recipients no need to apply.  You’ll be automatically considered based on your OSAP application.
  • Students receiving other provincial/territorial government financial aid or First Nations band funding:  Complete the 2019-20 Out of Province UTAPS application by November 1, 2019.

2019-2020 Out of Province Financial Aid/ UTAPS application

NOTE: The 2019-20 Out of Province Financial Aid/UTAPS application will be available in early August 2019.


How and When UTAPS is Paid

For students in UTAPS-eligible programs, UTAPS payments are applied first to your fees account. Any remaining balance will be deposited into your bank account by the Student Accounts office. If you haven’t already done so, set up your bank account information on ACORN as soon as possible. Direct deposit instructions are available on ACORN.

You will be notified via your UTOR email of your UTAPS amount.


2019-20 UTAPS Eligible Programs

Note: If you don’t see your program of study in this list, contact your Registrar.

Faculty of Arts and Science – St. George

  • All undergraduate programs in Computer Science, Humanities, Life Sciences, Physical and Mathematical Sciences, Rotman Commerce, Social Sciences
  • All doctoral-stream masters and doctoral programs

John H. Daniels Faculty of Architecture, Landscape and Design

  • Bachelor of Arts in Visual Studies
  • Bachelor of Arts in Architectural Studies
  • Master of Visual Studies (Studio Art or Curatorial Studies) (MVS) – Students in years 3 and 4 only
  • Master of Architecture (MArch) – Students in year 4 only
  • Master of Landscape Architecture (MLA) – Students in year 4 only
  • Master of Urban Design – Students in year 4 only

Faculty of Applied Science and Engineering

  • All undergraduate programs
  • Master of Applied Science (MASc)
  • Doctor of Philosophy (Ph.D.)

Faculty of Forestry

  • Master of Science in Forestry (M.Sc.F.)
  • Doctor of Philosophy (Ph.D.)

Dalla Lana School of Public Health

  • Master of Science in Biostatistics
  • Ph.D.: Biostatistics
  • Ph.D.: Epidemiology
  • Ph.D.: Occupational and Environmental Health
  • Ph.D.: Social and Behavioural Health Sciences
  • Collaborative Programs

Leslie Dan Faculty of Pharmacy

  • Doctor of Pharmacy (PharmD) – Students in year 4 only (up to $2000)

Faculty of Information (iSchool)

  • Bachelor of Information
  • Bachelor of Arts – Interactive Digital Media (joint with UTM)
  • Ph.D. in Information Studies

Ontario Institute for Studies in Education (OISE)

  • All Doctoral programs (Ph.D. and Ed.D.)
  • Other Master of Arts Programs

Lawrence S. Bloomberg Faculty of Nursing

  • Bachelor of Science in Nursing (BScN)
  • Collaborative Master of Nursing/Ph.D. programs
  • Doctor of Philosophy (Ph.D.)

Faculty of Kinesiology and Physical Education

  • Bachelor of Kinesiology (BKIN)
  • Master of Science in Exercise Sciences
  • Ph.D. in Exercise Sciences

Faculty of Medicine

  • BSc in Medical Radiation Sciences
  • Bachelor of Science – Physician Assistant

Faculty of Music

  • Bachelor of Music
  • All Ph.D programs

Factor-Inwentash Faculty of Social Work

  • Ph.D. in Social Work

University of Toronto – Mississauga

  • All undergraduate programs
  • Doctoral-stream master’s programs – contact your program area for further information

University of Toronto – Scarborough

  • All undergraduate programs


Students in Professional Masters Programs

Government Student Assistance: Eligible Ontario residents in eligible programs can apply for the Ontario Student Assistance Program (OSAP), a government financial aid program that assists eligible Ontario residents attending university through a combination of loans and grants. Students from other Canadian provinces/territories can apply for government student assistance through their provincial student assistance agencies.

Eligible US citizens/permanent residents may look into applying for US Direct Loans or alternative/private loans. More details can be found on this US Loans website.

Line of Credit: Students also have the option of borrowing funds from Scotiabank through either the Scotia Professional Student Plan (SPSP) OR ScotiaLine for Students (ScotiaLine).  Whether a student is eligible to apply for SPSP or ScotiaLine depends on the student’s program of study and year of study, as indicated below.

Students interested in the lending products offered by Scotiabank should contact the Queen and McCaul Branch, Georgios Stathopoulos at georgios.stathopoulos@scotiabank.com or 416-866-3940 ext. 4209 to set up an appointment.

Note:  University of Toronto students are not required to use Scotiabank as a lender.  Students are free to pursue funding options at the financial institution of their choice. If a department is using a different lender, students are encouraged to contact the department directly for lender information.

2019-20 Students in Professional Masters Programs

Faculty of Arts and Science – St. George

  • Master of Financial Economics – ScotiaLine
  • Master of Industrial Relations and Human Resources – ScotiaLine
  • Master of Mathematical Finance – SPSP
  • Master of Science in Applied Computing – ScotiaLine
  • Master of Science in Planning – ScotiaLine
  • Master of Urban Design Studies – ScotiaLine
  • Master of Global Affairs – SPSP
  • Master of Public Policy – ScotiaLine
  • Master of Financial Insurance – ScotiaLine

Faculty of Applied Science and Engineering

  • Master of Engineering (MEng) – all areas of technical specialization – SPSP
  • Master of Engineering in Cities Engineering and Management (MEng CEM) – ScotiaLine
  • Master of Health Science in Clinical Engineering – SPSP

Faculty of Dentistry

  • Master of Science (with Specialty Training)
    • Dental Public Health – SPSP
    • Dental Anaesthesia – SPSP
    • Endodontics – SPSP
    • Orthodontics – SPSP
    • Oral Medicine – SPSP
    • Oral Pathology and Oral Medicine – SPSP
    • Oral Radiology – SPSP
    • Periodontology – SPSP
    • Prosthodontics – SPSP
    • Oral and Maxillofacial Surgery – SPSP
  • Doctor of Dental Surgery – SPSP

Faculty of Forestry

  • Master of Forest Conservation – ScotiaLine

Faculty of Kinesiology and Physical Education

  • Master of Professional Kinesiology – ScotiaLine

Faculty of Law

  • Juris Doctor/Bachelor of Laws – SPSP
  • Master of Laws – SPSP
  • Global Professional Masters of Laws – SPSP

Lawrence S. Bloomberg Faculty of Nursing

  • Master of Nursing – ScotiaLine
  • Post-Master Nurse Practitioner Diploma – ScotiaLine
  • Post-Master of Nursing Diploma in Anesthesia Care – ScotiaLine

Faculty of Management

Faculty of Medicine

  • Bachelor of Science – Physician Assistant – ScotiaLine
  • MD and MD/PhD Programs, including all specialist programs – SPSP
  • Master of Health Science
    • Speech Language Pathology – SPSP
    • Medical Radiation Science – ScotiaLine
    • Translational Research Program – ScotiaLine
  • Master of Health Science in Medical Genomics – ScotiaLine
  • Master of Science
    • Occupational Therapy – SPSP
    • Physical Therapy – SPSP

       Faculty of Medicine Contact Information:

Faculty of Music

  • Master of Music – ScotiaLine

Ontario Institute for Studies in Education (OISE)

  • Master of Education – ScotiaLine
  • Master of Teaching – ScotiaLine
  • MA Child Study and Education – ScotiaLine

Faculty of Information Studies

  • Master of Information – ScotiaLine
  • Master of Museum Studies – ScotiaLine
  • Diploma in Advanced Study in Information Studies – ScotiaLine

Factor-Inwentash Faculty of Social Work

  • Master of Social Work – ScotiaLine

John H. Daniels Faculty of Architecture, Landscape and Design

  • Master of Architecture – ScotiaLine
  • Master of Landscape Architecture – ScotiaLine only
  • Master of Visual Studies –  ScotiaLine
  • Master of Urban Design – ScotiaLine

Dalla Lana School of Public Health

  • Master of Public Health – ScotiaLine
    • Epidemiology – ScotiaLine
    • Family and Community Medicine – ScotiaLine
    • Nutrition and Dietetics – ScotiaLine
    • Nutrition and Dietetics (Advanced Standing) – ScotiaLine
    • Occupational and Environmental Health – ScotiaLine
    • Social and Behavioural Health (Health Promotion) – ScotiaLine
  • Master of Science in Community Health – ScotiaLine
    • Addictions and Mental Health – ScotiaLine
    • Family and Community Medicine – ScotiaLine
    • Health Practitioner Teacher Education – ScotiaLine
    • Occupational Health Care – ScotiaLine
  • Master of Health Science – Health Administration – SPSP
  • Master of Health Informatics – ScotiaLine
  • Master of Science in Biostatistics – ScotiaLine
  • Master of Health Science in Bioethics – ScotiaLine

Leslie Dan Faculty of Pharmacy

  • All programs (including Doctor of Pharmacy) – SPSP
  • PharmD for Pharmacists – SPSP
  • Master of Science (Graduate Department of Pharmaceutical Science) – ScotiaLine

University of Toronto – Mississauga

  • Diploma in Investigative and Forensic Accounting – SPSP
  • Master of Forensic Accounting – SPSP
  • Master of Forensic Accounting (Advanced Standing Option) – SPSP
  • Master of Biotechnology – SPSP
  • Master of Management Innovation – SPSP
  • Master of Management and Professional Accounting – SPSP
  • Master of Science in Biomedical Communications – ScotiaLine
  • Master of Science in Sustainability Management – ScotiaLine

University of Toronto – Scarborough

  • Master of Environmental Science – ScotiaLine
  • Master of Accounting and Finance – SPSP

Departmental funding: Students in University of Toronto professional masters programs can refer to their programs/departments for information about merit-based funding that may be available.

For needs-based funding:

  • OSAP recipients will be considered by their departments automatically.
  • Students with non-Ontario, out-of-province funding may be required by their departments to submit an Out-of-Province Financial Aid Application Form, in addition to their own departmental requirements.

Programs Not Eligible For OSAP and UTAPS

The following courses/programs offered by the University of Toronto are not eligible for OSAP and UTAPS (e.g., program has not been approved by the Ontario Ministry of Advanced Education and Skills Development for OSAP purposes).

  • International Dentist Advanced Placement Program for Foreign-Trained Dentists
  • Non-conjoint Toronto School of Theology Programs (TST students in conjoint programs are eligible to apply for OSAP but will not be considered for UTAPS.)
  • All executive programs at the Rotman School of Management
  • Graduate Diploma in Professional Accounting – Faculty of Management
  • International Pharmacy Graduate Program (Canadian Pharmacy Skills) for individuals with foreign pharmacy degrees
  • Ontario Institute for Studies in Education – additional qualification courses
  • School of Continuing Studies courses
  • Residency programs
  • Certificate in Environmental Management
  • Certificate in Renewable Energy
  • Certificate in GIS for Environmental Management
  • Certificate in Environmental Health
  • Internationally Trained Lawyers Program
  • National Committee on Accreditation at the Faculty of Law
  • Master of Mathematical Finance
  • Any non-degree studies

Divisional Programs Not Eligible For UTAPS

Students in programs offered by the following divisions are NOT eligible for UTAPS. These divisions administer their own financial aid programs – contact them directly for more information.


Financial Aid/ UTAPS Online Estimator

This is a tool that will provide you with an estimate of how much UTAPS funding you could receive.

Before you begin the Financial Aid/ UTAPS Online Estimator

  1. The Financial Aid/ UTAPS estimator provides an estimate only. It does not provide a guarantee of funding by the University of Toronto.
  2. The Financial Aid/ UTAPS estimator is based on current OSAP policies and University of Toronto costs.  It’s intended to help you plan for your university expenses. The actual amount of government-funded student aid (e.g., OSAP) could be different.
  3. All income-related questions must be completed. If you have no income to report for a particular question, enter 0. Blank fields will not be accepted.
  4. It’s important that you accurately report the income amounts as requested. Estimates are acceptable if the tax returns have not been completed.

Financial Aid/ UTAPS Online Estimator

Freedom of Information and Privacy Act

The University of Toronto respects your privacy.

Personal information that you provide to the University is collected pursuant to section 2(14) of the University of Toronto Act, 1971.

It is collected for the purpose of administering admissions, registration, academic programs, university-related student activities, activities of student societies, safety, financial assistance and awards, graduation and university advancement, and reporting to government.

In addition, the Ministry of Advanced Education and Skills Development has asked that we notify you of the following: The University of Toronto is required to disclose personal information such as Ontario Education Numbers, student characteristics and educational outcomes to the Minister of Advanced Education and Skills Development under s. 15 of the Ministry of Training, Colleges and Universities Act, R.S.O. 1990, Chapter M.19, as amended. The ministry collects this data for purposes such as planning, allocating and administering public funding to colleges, universities and other post-secondary educational and training institutions and to conduct research and analysis, including longitudinal studies, and statistical activities conducted by or on behalf of the ministry for purposes that relate to post-secondary education and training. Further information on how the Minister of Advanced Education and Skills Development uses this personal information is available on the ministry’s website.

At all times it will be protected in accordance with the Freedom of Information and Protection of Privacy Act. If you have questions, please refer to www.utoronto.ca/privacy or contact the University Freedom of Information and Protection of Privacy Coordinator at McMurrich Building, room 104, 12 Queen’s Park Crescent West, Toronto, ON, M5S 1A8.