OSAP and Other Government Aid
The Ontario Student Assistance Program (OSAP) is a government financial aid program made up of a mix of grants and loans. Once you apply and qualify for OSAP, you’ll be considered automatically for other sources of funding, like UTAPS. If you’re from another Canadian province, territory, or First Nations band, you can apply for aid through your government’s financial aid program or your First Nations band.
UTAPS: University of Toronto Advanced Planning for Students
Does your government financial aid not quite cover all your costs? UTAPS is for full-time students who receive the maximum government financial aid available but whose funding still doesn’t cover all their university costs. UTAPS helps fill the financial gap. Ontario residents must be receiving OSAP to be considered. If you’re receiving financial aid from another Canadian province, territory or a First Nations band, you may be eligible for UTAPS too.
Note: Students entering professional-stream programs such as the Master of Information (MI) and Master of Museum Studies (MMSt) in September 2017 or later are not eligible to receive UTAPS funding. Students in these programs are directed to apply to the Scotia Professional Plan for Students to meet financial need above that provided by government aid. Undergraduate and PhD students remain eligible for UTAPS.
Bank Loans and Student Lines of Credit
Starting in September 2017, students in professional programs such as the Master of Information (MI) and Master of Museum Studies (MMSt) can apply for a low-interest bank line of credit through the Scotia Professional Plan for Students. Or if you’re a US citizen, the US Direct Loan Program could provide the support you need.
As much as you plan ahead, you can’t always avoid an unexpected financial crisis. The University of Toronto has grants available for emergency situations.
Students with Disabilities
Explore the funding opportunities available for students with disabilities. In addition to OSAP, you’ll find a mix of grants and programs to help make university accessible and successful.
Develop your skills, knowledge, and work experience through the University of Toronto’s Work-Study Program. You can be hired for paid work on campus.