Financial Aid UTAPS

University of Toronto Advanced Planning for Students (or simply UTAPS) is the university's largest need-based support program.

Outside of Sidney Smith building on a summer day with people walking across the road in front of it

UTAPS covers the financial gap between a student's actual education costs and the costs recognized by their provincial or territorial government student financial aid program. In other words, it helps to address unmet financial need. Through UTAPS, U of T provides non-repayable grants to students, that do not need to be paid back.

Who’s eligible?

You may be eligible for UTAPS if you're a Canadian citizen, permanent resident, or protected person (recognized convention refugee) with financial need who has applied for government student aid (or Indigenous sponsorship funding) and is enrolled full-time in a UTAPS-approved program. 

How to apply

As an applicant, you’ll use the Need Navigator to apply for UTAPS. On Need Navigator, you'll complete a financial need application that helps the university determine your eligibility for UTAPS financial aid. Our faculties and campuses also use this application to further assess your financial need and provide divisional grants.

Frequently asked questions