OSAP, UTAPS & Financial Aid - Current Engineering Undergraduates

Government Assistance

While the cost of university can be high, there are resources that can help. For example, most provincial governments have loan programs. Along with the Canada Student Loan Program, provincial loan programs can help 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.

OSAP

The Ontario Student Assistance Program (OSAP) provides loans to Ontario residents. For more information, watch this webinar: Government Student Loans and Grants Orientation.

Applying for OSAP

OSAP's application is available online.

Returning students should apply for the Fall Term by the end of May. New students should apply by mid-June.

Provincial and Territorial Student Aid Programs

Students who are Canadian citizens, permanent residents, or protected persons may be eligible for financial assistance from their provincial or territorial government. See below for more details on your specific province or territory.

Out-of-Province Request Portal

Out-of-province students can access the Out-of-Province Request Portal, managed by the University Registrar's Office. Through the portal, students may:

Submit government student funding forms that require completion (i.e., Program Information Form, Quebec Form 1121).
View the request status.
Receive important notifications and communication updates regarding requests.

Loan Repayment

Are you going on your Professional Experience Year Co-op, graduating or taking a term off? This webinar will explain everything you need to know about repaying your loan.

Check out the National Student Loans Service Centre (NSLSC)'s YouTube channel for more information on the support they offer borrowers throughout their student loan experience.

University of Toronto Advance Planning for Students (UTAPS)

U of T is committed to ensuring no student admitted to a program at the University is unable to enrol or complete their program because of financial difficulties. UTAPS is U of T's largest need-based support program and covers the financial gap between a student’s actual education costs and the costs recognized by their provincial/territorial government student financial aid program. In other words, UTAPS covers unmet financial need.

Through UTAPS, U of T provides non-repayable grants to students to help cover this financial need gap or unmet need. However, students must apply for government aid options before applying for UTAPS.

UTAPS Eligibility

To be eligible for UTAPS funding, you must be a Canadian citizen, permanent resident, or a protected person who has been deemed eligible for government student financial assistance, such as through OSAP. Indigenous students who are receiving educational funding are also eligible for UTAPS. Students interested in applying for UTAPS must be registered in a full-time course load. Visit the UTAPS Eligibility page for more information on the eligibility requirements.

Applying for UTAPS

All students who would like to be considered for UTAPS must complete and submit an application through the Need Navigator, along with any supporting documentation required. Applications must be submitted by the deadlines listed on the UTAPS website.

Should you find yourself in financial need, have not received adequate government funding, and have not heard from UTAPS, please email awards@engineering.utoronto.ca.

U of T Indigenous Tuition Initiative

The University has created a new Indigenous Tuition Initiative to foster and strengthen relationships between U of T and Indigenous communities. This initiative includes three programs:

The U of T Indigenous Tuition Grant covers the cost of tuition in eligible undergraduate and graduate programs for students from the nine identified First Nations communities
Indigenous students from the rest of Canada may be eligible for domestic Ontario tuition fee
Native American/Alaska Native students from the continental U.S.A. may be eligible for domestic Ontario tuition fee

Faculty Grants

Domestic Students

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. The application is available in ACORN under the finance section.

International Students

As the University is a publicly funded institution, it cannot offer financial aid to international students. However, U of T does have grants for international students to help cover emergency situations. The grants are primarily intended for students in their third or fourth year of studies.

To apply, please complete the form in the U of T Undergraduate Grant Application Portal and make an appointment to speak with the Assistant Registrar, Scholarships & Financial Aid to discuss your application. More information is available on the Undergraduate Grants website.