OSAP & Other Government Aid
Ontario residents: The Ontario Student Assistance Program (OSAP) is a government financial aid program that assists eligible Ontario residents attending university through a combination of loans and grants. Visit the OSAP website to find out more and to apply for OSAP today: www.ontario.ca/osap.
- For UT-specific information about OSAP, visit this Enrolment Services website.
- For Daniels Faculty-specific information about OSAP, see Applying for OSAP at the Daniels Faculty.
Residents of other Canadian provinces: Students who are Canadian citizens, permanent residents, or protected persons may be eligible for financial assistance from their provincial or territorial governments. Applications are usually available in late May or early June.
US citizens or permanent residents: The University of Toronto is an approved institution for the administration of subsidized and unsubsidized US Direct Loans and PLUS Direct Loans, according to the Higher Education Act, Title IV. For more information, please visit Enrolment Services.
Fee Deferrals - students who have applied for OSAP, other provinces' loans and grants, and US DIrect Loans may be eligible to request a tuition fee deferral. A successful tuition fee deferral registers you for the academic year without needing to make payment immediately AND extends your deadline for paying your outstanding ACORN fees.
Student Loan Repayment webinars - provided by the National Student Loans Service Centre.
University of Toronto Advanced Planning for Students (UTAPS) and other financial aid programs fill the financial gap for full-time students who receive the maximum amount of government financial aid available, but whose funding doesn’t cover all university costs.
UTAPS funding varies depending on student need. See the Financial Aid/ UTAPS Online Estimator
To be eligible for UTAPS funding, you must:
- Be a Canadian citizen, permanent resident, or a protected person (recognized convention refugee); and
- Be enrolled in full time studies for the fall and winter session; and
- Be receiving the maximum amount of OSAP, other provincial/territorial government student aid, or First Nation’s band funding but this funding doesn’t cover all of your university costs (i.e., you have unmet need); and
- Be enrolled in an eligible program.
Note: International students and part-time students are not eligible.
For more information on applying and payments, please visit Enrolment Services.
Grants & Emergency Funding
Full-Time undergraduate students experiencing financial difficulties beyond their control may apply for grant assistance through the Daniels Faculty.
Completed grant applications should be submitted via ACORN to the Office of the Registrar and Student Services by November 1 for the fall session and March 1 for the winter session. When completing a grant application it is important that we get a complete picture of your current financial situation, including any special circumstances. After submitting the grant application, you may be requested to submit any relevant documentation, for example receipts. Incomplete applications will not be considered.
If you experience difficulties with the application on ACORN, please contact firstname.lastname@example.org.
Financial Planning Calculator
This calculator will show you how much money you will need to cover tuition and fees, housing costs, food and everything else for the upcoming academic year. You'll provide some background and income information, and we'll show you a budget summary and direct you to some useful resources to help you save money.
Financial Aid Counselling
Counsellors can help you navigate the array of government and University of Toronto programs, scholarships and bursaries available to you. They can also help with budget planning and debt management.
The Daniels Faculty provides financial counselling by appointment or on Wednesdays between 2 & 4pm.
A Career Educator, Diana Kudla Byers, is available to meet with Daniels students to assist with a variety of services and resources including career guidance, summer employment information, or advice on how to prepare for life after graduation.
Daniels students are automatically considered for most Faculty-specific admissions, in-course, and graduating scholarships and are emailed regarding application-based opportunities as they become available. The Daniels Faculty regularly compiles and updates a list of open external competitions that may be of interest to assist you in your search for alternative funding opportunities. Additional jobs, competition, and calls for papers are listed in the Weekly Newsletter. We encourage students to sign up by entering their email address at the bottom of this page.
Know a competition we missed? Let us know at email@example.com and we will add it to the next update.
Have you won a competition recently? Share your story with us by emailing firstname.lastname@example.org or by tagging us @UofTDaniels, #UofTDaniels.
These websites are a great place to start your search for both U of T-wide awards and external opportunities.