Bursaries, Loans, and Employment



Bursaries and Grants


Professional Masters Bursary

Funds have been provided from the Faculty of Medicine to provide relief for students who encounter financial difficulty during their MScOT studies. Expenses must be reasonable costs directly related to completing current academic studies only. Recipients must be in the MScOT program and demonstrate financial need. The application is electronic and will be emailed to students at least 2 weeks prior to the deadline.  It is recommended that students keep a copy of their completed bursary application to simplify completion of their next application. Applications are due November 15, February 15, and May 1.


The Department endeavours to ensure that sufficient funding remains available for the Winter and Summer sessions. If a student is denied a bursary, the Department will provide feedback. It will indicate whether the student should reapply in a subsequent term, after applications with more pressing need are processed. However, students should always consider reapplying if they experience an unexpected expense. The Program Manager can provide counselling and feedback on planning finances while at the University.


School of Graduate Studies Emergency Grants

Funds are awarded on the basis of financial need arising from unforeseen circumstances to students whose continuation in the program is in jeopardy for financial reasons. This bursary is NOT meant to be a source of long term funding for a student’s program but a bridge for temporary lack of funds.


Students are advised to apply for the Departmental Professional Masters Bursary before applying for an emergency grant from SGS. Students should make an appointment with an SGS Financial Counsellor in order to request this grant (63 St. George Street, or 416-946-0808).


University of Toronto Advance Planning for Students (UTAPS)

UTAPS is a program that identifies students who have unmet need as assessed by OSAP after receiving maximum government aid.  The University, through a non-repayable UTAPS grant, will try to meet that full need.  Students who applied for OSAP are automatically considered for UTAPS.  Non-Ontario students must apply using an online application to Enrolment Services in order to be considered. However, not all students who receive OSAP or a Provincial Student Loan will also receive UTAPS. Please note, the UTAPS program will be unavailable to MScOT students entering the program in September 2017.


Towards the end of November, students will start to receive their UTAPS installments.  Out-of-province students will receive their UTAPS funding in December or January. UTAPS funding is paid directly into the student’s fees account. After deduction of any fees, a cheque for the remaining amount is mailed to the student’s mailing/sessional address from Student Accounts. The university considers any fees posted to your student account as owing in full at the beginning of the academic year.  Any portion that remains unpaid is considered an outstanding balance.


Loan Programs


Ontario Student Assistance Program (OSAP)
The Ontario Student Assistance Program (OSAP) provides eligible students with various types of assistance based on financial need. Students entering first year should apply to OSAP as soon as possible after they receive their letter of offer. Students entering second year in the fall should apply to OSAP as early as May.


The Enrolment Services office at the University of Toronto can provide advice on your OSAP application and has access to your OSAP file if changes need to be made. Please contact Enrolment Services at 172 St. George Street.  Alternatively, you can call 416-978-2190 or email osap.staff@utoronto.ca.


Government Funding for Non-Ontario Residents
Students who are not from Ontario may be eligible for financial assistance from their provincial governments. Students should check with their provincial/territorial government for details. Non-Ontario loan questions can be directed to Enrolment Services at can.oop.financialaid@utoronto.ca.


Student Line of Credit

Many banks, trust companies and credit unions offer students a line of credit. Enrolment Services mentions the Scotiabank Student Line of Credit as a possible option for some students.



Paid Work Positions at U of T


Work-Study Program

Once the minimum balance of fees is paid / deferred, students are considered registered and can apply for part-time work at the University through the Work-Study Program.  This program and other work opportunities are made available through the Career Centre on campus.