Financial Assistance

Student Aid Programs

Canadian citizens or permanent residents may be eligible for student financial aid through their province or territory of which they are considered a resident. Applications for the Fall academic session are usually available in late May or early June. It is recommended that you apply early to ensure there is enough time to process your application before the start of classes, however applications will be accepted during the academic year. Complete information including deadlines and application assistance is available through the The University Registrar’s Office (URO).

If you are receiving OSAP for the first time, you will need to submit the Master Student Financial Assistance Agreement (MSFAA). The MSFAA is your student loan agreement. Students typically only need to complete an MSFAA the first time they take out student loans. By electronically signing the MSFAA, you agree to the terms and conditions for holding federal and provincial funding. In addition, it allows for the electronic release of OSAP funding. The MSFAA process is in place for all OSAP recipients. Visit the Government of Canada website for more information about the MSFAA 

After applying and uploading required documents, please check your status on the OSAP website on an ongoing basis. 

You must let OSAP know if any of your financial or other information changes. You can check the information on file by checking your Application Summary in your online OSAP account. Write a letter explaining the changes, sign it, and upload it to the “Changes to Your Application” section in the Documents page of your OSAP application.

If you return to school in at least 60% of a full-time course load (40% with a documented disability) for at least six (6) weeks, you can re-activate your interest-free status on outstanding Canada/Ontario Student Loans even if you do not take out additional loan funding.

Submit an online application for Continuation of Interest-Free Status through the OSAP website, after classes begin. Once processed, this application lets your lender know you are back in full-time studies.

UTAPS grants and other need-based support may be available to OSAP and other provincial loan recipients by submitting a financial need application through the Need Navigator.

Not eligible for UTAPS? You can still submit a application through Need Navigator and might be considered for grants offered by your program or faculty.

University of Toronto Advanced Planning for Students (UTAPS)

Apply for UTAPs! Through UTAPS, U of T provides non-repayable grants to students to help cover their financial need gap, or unmet need.

University of Toronto Advance Planning for Students (UTAPS) is the University of Toronto’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.

NEW for 2023-2024, all students who would like to be considered for UTAPS for the 2023-24 school year must complete and submit an application along with any supporting documentation UTAPS. 

Not Eligible for UTAPS? You can still submit an application and may be considered for grants offered by your program or faculty. Be sure to submit your application through the Need Navigator, along with any applicable supporting documentation, by the posted UTAPS deadline

University of Toronto Work-Study Program

The University of Toronto Work-Study Program offers part-time, paid on-campus employment to eligible undergraduate and graduate students at the University of Toronto. The program provides students with an opportunity to earn money while learning, developing workplace knowledge and skills, and exploring how their academic studies translate to career possibilities. For inquiries please contact

Log in with your UTORid to find job postings and to apply through the CLNx portal.    

Other Financial Support and Student Assistance