OSAP, UTAPS & Financial Aid

Government Assistance

The cost of an undergraduate program can be high. There are resources that can help.

Most provincial governments have loan programs that, along with the Canada Student Loan program, work to assist Canadian Citizens and permanent residents with the cost of post-secondary studies.

The loans are interest-free as long as you are enrolled in full-time studies.


The Ontario Student Assistance Program (OSAP) provides loans to Ontario residents.

OSAP assumes that guardians, if able, will financially assist their child or dependent during his or her first five years of university. Your guardian’s income will be taken into consideration when you apply for OSAP.

Students are also expected to help finance their own education through part-time employment.

For additional information, please review the National Student Loan Centre’s webinar “Government Student Loans and Grants Orientation.”

OSAP Application

OSAP’s application is available online. Returning students should apply for the Fall Session by the end of May. New students should apply by mid-June.

Provincial Loans

Loan Repayment

Convocating? Going on PEY? Taking a semester off? Need information about repaying your student loan? This webinar will explain everything.

University of Toronto Advance Planning for Students (UTAPS)

The University of Toronto is committed to ensuring no student admitted to a program at the University is unable to enrol or complete his or her program because of a lack of financial means.

To help fulfill this commitment, the University provides assistance in the form of non-repayable grants. You are still expected to access government aid options first. To find out more about the eligibility requirements for UTAPS visit Enrolment Services.

Full-time Engineering students receiving OSAP are automatically considered for UTAPS funding provided they have updated their income through the OSAP website.

Students receiving out-of-province government funding or First Nations band funding must apply for UTAPS.

If you are in financial need, have not received adequate government funding, and have not heard from UTAPS, contact the Assistant Registrar, Scholarships and Financial Aid, at awards@ecf.utoronto.ca.

Faculty Grants

Domestic Students

The application is available in ACORN under the finance section. If you have exhausted all other means of support and still find yourself in financial difficulty, the Faculty can provide financial assistance in the form of a grant. Faculty grants do not replace OSAP or UTAPS. The grants help alleviate temporary financial setbacks. If you are not eligible for OSAP and/or other provincial government assistance, you may still submit a Faculty grant application.

International Students

As the University of Toronto is a publicly-funded institution, it cannot offer financial aid to international students. The University does have some grant assistance available for international students to cover emergency situations that arise, primarily intended for students in third or fourth year of studies. To apply, complete the Undergraduate Grant Application and make an appointment to see the Assistant Registrar, Scholarships and Financial Aid, to discuss your application.