Financial Aid

Your university fees consist of tuition, incidental and ancillary fees, and are based on several factors. In addition, you’ll want to consider other costs such as books, supplies, residence, transportation, food and other expenses.

Find out more about the costs associated with university.

If you are a Canadian citizen, permanent resident or protected person, there are many sources of financial aid available to help you cover the costs of your University of Toronto education – from OSAP and other government aid, to assistance provided by the University. Explore your options.

If you are an international applicant, you should find out about your home country’s financial aid programs to see if you qualify for assistance. The University of Toronto is a publicly funded institution. Because of that, we cannot offer financial aid to international students. Find out more about scholarships and awards for international students.

Canadian citizens, Canadian permanent residents or protected persons can be considered for need-based government student loans and grants, as well as our UTAPS program. Students apply for financial aid from their home province, which is generally where you, or your parents, last lived for at least 12 months, without being in college or university. Find more information about financial aid for Canadians who live abroad.

The University of Toronto is a publicly funded institution. Because of that, we cannot offer financial aid to international students. If you are an international applicant, you should find out about your home country’s financial aid programs to see if you qualify for assistance.

You can apply for OSAP online on the OSAP website. Submit your OSAP application, then print and sign the consents and declaration pages, as well as any other required supporting documentation, and upload them to your account on the OSAP website.

Follow the instructions provided to complete your online Master Student Financial Assistance Agreement (MSFAA) with the National Student Loan Service Centre.

If you are a returning applicant, you may not need to submit any documentation.

Find more details on the U of T OSAP page.

Eligible high school students are automatically considered for a variety of admission scholarships when they apply to the university. There are also admissions scholarships that require a separate application, and others that require you to complete an awards profile.

Note, however, that the value of scholarships is rarely sufficient to cover all costs the student will incur while attending the University of Toronto.

Find out more about scholarships.

Telephone and in-person inquiries

We are available for telephone and in-person inquiries.

Email inquiries

Connect with us by email for:

• Admissions inquiries
• Ask a Student 

Contact Client Services for financial aid inquiries, including:

• OSAP (Ontario Student Assistant Program) full and part-time
• BSWD (Bursaries for Students with Disabilities)
• UTAPS (University of Toronto Advanced Planning for Students)
• Part-Time Financial
• Out-of-province funding for provinces and territories outside of Ontario
• US student aid – for United States citizens (US Federal Student Aid loan opportunities, private loans (non-government), Veteran Affairs certification requests for benefits & education tax credit 

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