UTAPS Grants

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 government funding and other assessed financial resources do not cover all assessed university costs. UTAPS funding varies depending on student need.

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 receiving both government student loans and grants (OSAP/other provinces or territories) or Band funding/community sponsorship, AND be assessed as still having unmet need; and
  • Be enrolled in an eligible program;  and
  • Be registered in a full-time course load (per OSAP requirements) during the Fall and/or Winter terms; or
  • Be a UTSC student 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.

How to Apply for UTAPS

Prospective Applicants: 

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 applicants seeking admission to a program which admits directly from high school, complete and submit the Financial Aid/ UTAPS Online Estimator by February 28, 11:59pm EST/Toronto time.

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: once you have accepted your UofT offer of admission, 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; and
  • Follow Current Students instructions below

Current Students (both new and returning):

  • OSAP recipients do not need to apply.  You’ll be automatically considered based on your OSAP application.
  • Students receiving other provincial/territorial government financial aid or Band funding/community sponsorship:  Complete the 2022-23 Out of Province UTAPS application below. Deadlines for the Out of Province UTAPS application are:

Fall 2022

Tuesday, November 1, 2022, 11:59pm EST/Toronto time. Applications submitted after this deadline will be reviewed after the winter deadline listed below.

Winter 2023

Wednesday, February 1, 2023, 11:59pm EST/Toronto time.

Students can only submit one Out of Province UTAPS Application per academic year​.

Out of Province UTAPS Application

How and When UTAPS is Issued

Students receiving UTAPS:

  • You will be notified via UTOR email starting in October;
  • You will see UTAPS grants appear on the My Awards section of your ACORN account;
  • UTAPS grants are applied first to your ACORN fees account. Any remaining credit balance will be deposited into your bank account by the Student Accounts office. If you haven’t already done so, please set up the following on your ACORN as soon as possible:
    • Your bank account information. Direct deposit instructions are available on ACORN.
    • Your Canadian mailing address – make sure it is valid (correct and Valid From/Until dates are current)

2022-23 UTAPS Eligible Programs


  • Undergraduate and doctoral-stream masters and doctoral programs that are UTAPS-eligible are listed in this section;
  • Professional graduate (master and doctoral) programs are not UTAPS-eligible and are listed in the Students in Professional Graduate Programs section below;
  • If you do not see your program of study in either the UTAPS Eligible Programs list or the Students in Professional Masters and Doctoral Programs list, contact your Registrar.

Faculty of Applied Science and Engineering

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

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 Forestry
  • All Doctoral programs (Ph.D.)

Ontario Institute for Studies in Education (OISE)

  • All Doctoral programs (Ph.D. and Ed.D.)
  • Other Master of Arts Programs (excluding MA Child Study & Education)

Faculty of Information Studies (iSchool)

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

Faculty of Kinesiology and Physical Education

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

Faculty of Law

  • Doctor of Juridical Science (SJD) (also eligible for SPSP line of credit; see Students in Professional Masters Graduate Programs section below)

Temerty Faculty of Medicine

  • BSc in Medical Radiation Sciences
  • Bachelor of Science – Physician Assistant (also eligible for ScotiaLine line of credit; see Students in Professional Graduate Programs below)
  • All course-based masters, doctoral-stream masters, and doctoral programs

Faculty of Music

  • Bachelor of Music
  • All Ph.D 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.)

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

Factor-Inwentash Faculty of Social Work

  • Ph.D. in Social Work

University of Toronto – Mississauga

  • All undergraduate programs
  • Doctoral-stream masters programs – contact your program area for further information
  • Doctor of Philosophy (Ph.D.)

University of Toronto – Scarborough

  • All undergraduate programs
  • Doctor of Philosophy (Ph.D.)

Students in Professional Graduate 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.

UTAPS: Students in professional graduate programs are not eligible for UTAPS funding, except where noted below.

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

For needs-based funding, check with programs/departments for full instructions:

  • OSAP recipients may be considered by their departments automatically without having to submit additional forms.
  • Students with non-Ontario, out-of-province funding may be required by their departments to submit an Out-of-Province UTAPS Application Form, in addition to their own departmental requirements.

Talk to a Financial Counsellor in your Faculty

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, 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.

2022-23 Professional Graduate Programs

Faculty of Applied Science and Engineering

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

Faculty of Arts and Science – St. George

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

John H. Daniels Faculty of Architecture, Landscape and Design

  • Master of Architecture – ScotiaLine
  • Master of Forest Conservation – ScotiaLine
  • Master of Landscape Architecture – ScotiaLine
  • Master of Visual Studies –  ScotiaLine
  • Master of Urban Design – ScotiaLine

Faculty of Dentistry

  • Master of Science (with Specialty Training)
    • Dental Public Health – ScotiaLine
    • Dental Anaesthesia – SPSP
    • Endodontics – SPSP
    • Orthodontics – SPSP
    • Oral Pathology and Oral Medicine – SPSP
    • Oral and Maxillofacial Radiology – SPSP
    • Pediatric Dentistry – SPSP
    • Periodontology – SPSP
    • Prosthodontics – SPSP
    • Oral and Maxillofacial Surgery – SPSP
  • Doctor of Dental Surgery – SPSP
  • International Dentist Advanced Program (IDAPP) – 6-month intensive program and two-year DDS program – SPSP

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

Faculty of Kinesiology and Physical Education

  • Master of Professional Kinesiology – ScotiaLine

Faculty of Law

  • Juris Doctor – SPSP
  • Master of Laws – SPSP
  • Global Professional Masters of Laws – ScotiaLine
  • Doctor of Juridical Science (SJD) – SPSP; UTAPS-eligible

Rotman School of Management

Temerty Faculty of Medicine

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

       Temerty Faculty of Medicine Contact Information:

Faculty of Music

  • Master of Music – ScotiaLine

Lawrence S. Bloomberg Faculty of Nursing

  • Master of Nursing – ScotiaLine
  • Post-Master Nurse Practitioner Diploma – ScotiaLine
  • Doctor of Nursing – 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 – ScotiaLine
  • Master of Health Informatics – ScotiaLine
  • Master of Science in Biostatistics – ScotiaLine
  • Master of Health Science in Bioethics – ScotiaLine

Leslie Dan Faculty of Pharmacy

  • Doctor of Pharmacy – SPSP
  • PharmD for Pharmacists – SPSP
  • Master of Science (Graduate Department of Pharmaceutical Science) – SPSP
  • International Pharmacy Graduate Program – SPSP

Factor-Inwentash Faculty of Social Work

  • Master of Social Work – ScotiaLine

University of Toronto – Mississauga

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

University of Toronto – Scarborough

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

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).

  • Continuing Dental Education programs, including the 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 – Rotman School 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
  • Doctor of Public Health 
  • Certificate in Leadership in Higher Education 
  • Internationally Trained Lawyers Program
  • National Committee on Accreditation at the Faculty of Law
  • Master of Mathematical Finance
  • Doctor of Public Health
  • 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 funding you may be eligible to 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.