Apply for Ontario Student Assistance Program (OSAP)- Sept. 2023

You may be surprised that even Ontario graduate students in a funded program may be eligible for OSAP! Spend 5-10 minutes on their OSAP Aid Estimator to see if you’re eligible. When you apply for OSAP, the Ministry automatically considers you for both grants and loans. If you don’t want to take a loan, you can decline it after your application is approved. Note: you must declare your graduate funding when you apply for OSAP.

University of Toronto Advance Planning for Students (UTAPS)

UTAPS covers the financial gap between a student’s actual education costs and the costs recognized by their provincial/territorial government student financial aid program. Through UTAPS, U of T provides non-repayable grants to students to help cover this financial need gap, or unmet need.

To be considered for UTAPS, all students must submit an application using the University Registrar’s Office Need Navigator.

Learn more about financial aid programs, payment procedures and maintaining interest-free status.