Tuition, Scholarships & Financial Aid

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For incoming Arts & Science students, this page will help you plan your budget by providing an overview of tuition, residence and other fees associated with attending university. You can also find a list of scholarships and financial aid resources you may be eligible for upon accepting your offer. 

Fees

Awards & Scholarships

Financial Aid 

Fees

The cost of a university education is a combination of direct expenses (tuition and other fees, books, equipment) and living expenses while you are enrolled. The cost will vary depending on your program of study and place of residence during the academic year, which runs from September to April. Fees are composed of tuition (academic) fees and compulsory incidental (non-academic) fees.

To learn more about the costs associated with attending university, visit the University of Toronto's Fees page for future students

Tuition Fees

The amount of tuition you pay will depend on factors such as your program, year of study and your course load.

Deregulated program fees — the following programs are deregulated and have higher fees than regular programs:

  • Rotman Commerce: Accounting Specialist, Finance and Economics Specialist, Management Specialist
  • Computer Science: Major and Specialist
  • Bioinformatics & Computational Biology: Specialist
  • Data Science: Specialist

For more information on deregulated fees, visit the Fees & Refunds page.

While the exact tuition fees for each academic year are typically finalized in the spring, you can take a look at previous years' amounts to get an idea of your estimated tuition fees. Look up tuition fees for your area of study on the University of Toronto Planning and Budget website

Incidental Fees

Non-academic incidental fees are compulsory for all students. These include fees for student societies and for campus-based services (i.e., Student Services, Student Affairs, Health Services, Hart House and the Athletics Centre). Incidental fees for full-time students range from approximately $1,500 to $2,300 and depend on the college you are admitted to. 

Cost of Living

Books, accommodation, transportation and other expenses will affect your cost of living while you're a University of Toronto student. Residence fees can typically range from $11,016 - $21,567.22.

Health Insurance

Domestic students have basic health insurance coverage through provincial health insurance. Students are eligible to have partial coverage for additional services through a supplementary health insurance plan provided by University of Toronto Students’ Union (UTSU).

International students are required to enrol in the mandatory University Health Insurance Plan (UHIP). UHIP is compulsory for all international students and their dependents and is available for students who are not covered by the Ontario Health Insurance Plan. 

Financial Planning Calculator

To help plan your finances, use this Financial Planning Calculator to estimate your education expenses.

Awards and Scholarships

Our student awards (scholarships and grants) recognize a wide range of achievements — everything from academic excellence and leadership to community engagement and creative accomplishments. Successful recipients will be notified of award decisions with their offer of admission. Unless specified, Arts & Science admission awards will not be awarded outside of this timeline.  

Automatic Consideration

When you apply to the Faculty of Arts & Science, you will automatically be considered for the awards listed below. You do not need to complete a separate application to be considered for these awards. Click on the award name to learn more. 

  • Arts & Science Global ScholarshipOffered to selected outstanding international students on the basis of merit. Financial need may be considered. Value is equal to the cost of international tuition, including tuition fees, incidental fees and UHIP fees for four consecutive years, or until degree completion, whichever comes first.
  • University of Toronto International Scholar Award: Offered to selected international students on the basis of merit. Valued at up to $100,000 over four years of study or until degree completion, whichever comes first. 
  • International Merit Admission Award: Offered to selected international students on the basis of merit. Valued at up to $50,000 in the first year of study. 
  • Edward Blake Admission Scholarship: Offered to an undergraduate student for general proficiency upon admission to the Faculty of Arts & Science. Valued at $5,500 over four years of study. 
  • Jack and Adrienne Taylor Scholarship for Undergraduate StudentsOffered to a Canadian citizen or permanent resident undergraduate student enrolled in an arts program at the Faculty of Arts & Science on the basis of academic merit and financial need. Valued at $12,000 in the first year of study.
  • James Hosinec & Carol M. Isaac Scholarship in the Faculty of Arts & Science: Offered to undergraduate students in the Faculty of Arts & Science on the basis of academic merit. Valued at $10,000 in the first year of study.
  • The Roberts Scholarship: Offered to an outstanding student enrolled in a science program at the Faculty of Arts & Science on the basis of financial need. Valued at $25,000 over four years of study.

In addition to the Arts & Science awards listed above, you will automatically be considered for admission awards offered by the University of Toronto and your college. For a full list of admission awards that do not require a separate application, visit Award Explorer and use the dropdowns to filter your search results. 

Application-Based Awards

Some admission awards require a separate application. We encourage you to do some research and apply to those you are qualified for. 

The Awards Profile is an online application that eligible students can submit to be considered for several application-based admission awards at once based on financial need, academic merit, leadership and other special criteria.

If you are Canadian citizen, Permanent Resident of Canada or Protected Person (Convention Refugee) currently studying in a secondary school within Canada you may be eligible to submit an Awards Profile. Access to the Awards Profile is granted to eligible candidates upon submission of an admission application to the University of Toronto.  

For a full list of application-based admission awards for domestic Arts & Science students, visit Award Explorer and use the dropdowns to filter your search results. 

There are over 100 undergraduate admission awards that are awarded to international students annually. Most of these awards are merit-based and applicants will be considered for them automatically during the admission process. Below is a list of admission awards for international students that require a separate application. Click on the award name below to learn more.

Award Name   Description   Estimated Value 
Dr. Razgar Rahimi, Farideh Gholami, and Jiwan Rahimi Award To be awarded on the basis of financial need to international students from Iran (admitted to U of T) or current U of T students, from any background, studying Iranian studies. Students apply through the Iranian Student Memorial Scholarship program.  Based on financial need
Innis College "Kitchen Sink" Award To be awarded to a student entering the first year of full-time studies in the Faculty of Arts & Science at Innis College on the basis of outstanding academic achievement and involvement in school and community life. Financial need may be considered.  Up to $500
Iranian Student Memorial Scholarship The Iranian Student Memorial Scholarship provides needs-based award(s) to international students from Iran (admitted to U of T) or current U of T students, from any background, studying Iranian studies. Varies
International Student Admission Bursary The Faculty of Arts & Science has a limited number of admissionawards available to international undergraduate applicants who have financial need. These are selected based on academic achievement as well as demonstrated financial need. Students apply through the International Financial Aid Application, available to all international applicants through the JOIN U of T Portal Varies
John and Lena Demma Scholars at Risk Award To be awarded to refugee students on admission to the University of Toronto in an undergraduate program of study as part of the Scholars and Students at Risk Award Program. $10,000
Lester B. Pearson International Scholarship The Lester B. Pearson International Scholarship is intended to recognize students who demonstrate exceptional academic achievement and creativity and who are recognized as leaders within their school. A special emphasis is placed on the impact the student has had on the life of their school and community, and their future potential to contribute positively to the global community.   Full Scholarships
Lo Family Scholarship To be awarded to an international undergraduate student, in any college or faculty on the basis of financial need. Academic excellence and community leadership will also be considered. Applicants selected on the recommendation of the University of Toronto (Hong Kong) Foundation Limited scholarship selection committee.  Variable; may be renewed
Mastercard Scholars Program To be awarded to economically disadvantaged youth who have excellent academic potential and a strong desire to create lasting development within their respective regions.   Full scholarships
Scholars and Students at Risk Award Program To be awarded to refugee students on admission to the University of Toronto in an undergraduate or graduate program of study. $10,000
The William Doo Scholarship To be awarded to one undergraduate student from Hong Kong. Applicants must display a high degree of financial need and must have achieved a high academic standing in secondary school. The award is renewable for up to four years of study provided each recipient continues to demonstrate a high degree of financial need and maintains high academic standing at the University of Toronto.  Varies
University of Toronto Hong Kong Foundation Scholarship To be awarded to an outstanding student demonstrating high academic distinction and significant financial need. The award is renewable based on satisfactory progress. Varies
Zakaria Family Scholars and Students at Risk Award To be awarded to refugee students on admission to the University of Toronto as part of the Scholars and Students at Risk Award Program. Preference will be given to a Syrian Refugee. $10,000

In addition to admission awards, Arts & Science students have access to a variety of funding opportunities throughout their undergraduate education. Visit our Scholarships and Awards page to learn about funding opportunities for current students. 

Awards for Black and Indigenous Students  

There are a number of award opportunities for Black and Indigenous students. To browse these awards:

  • Visit Award Explorer and select Undergraduate Awards  
  • Under the Faculty/College dropdown, select Faculty of Arts & Science 
  • Under the Nature of Award dropdown, select Black Students or Indigenous Students 

Learn more about awards and financial aid for Black and Indigenous students on the Future Black Undergraduate Students and Future Indigenous Undergraduate Students pages.  

Financial Aid

Below you will find information on financial aid for incoming domestic students, international students and students from the United States. To learn more about financial aid, visit the University of Toronto's Financial Aid page for future students. The Awards and Financial Aid offices also provide assistance to students looking for information about the University's scholarship and financial assistance programs.

The University of Toronto Policy on Student Financial Support guarantees that no student offered admission will be unable to attend due to financial circumstances (Canadian students, Canadian permanent residents and protected persons only). This guarantee requires that students use all available means of student aid:

  • OSAP and other government aid — a government financial aid program made up of a mix of grants and loans. Once you apply and qualify for OSAP, you will be considered automatically for other sources of funding, like UTAPS (see below). If you are 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.
  • The U of T Advance Planning for Students program (UTAPS) — open to Canadian citizens, permanent residents and protected persons studying full time;  guarantees that financial circumstances will not prevent you from attending classes and completing your studies. 
  • As part of our commitment to dismantling barriers to post-secondary education, U of T recently launched a Sponsored Application Pilot Program for domestic students. This program is delivered in partnership with local community groups, including Visions of Science, the East Scarborough Boys & Girls Club and Girls E-Mentorship. Learn more by visiting the Future Black Undergraduate Students and Future Indigenous Undergraduate Students pages. 

All international students applying to the University of Toronto are eligible for automatic or application-based scholarships and awards, including the International Financial Aid Application

The Faculty of Arts & Science has a limited number of admission scholarships available to international undergraduate applicants who have financial need. These are selected based on academic achievement as well as financial need demonstrated through the International Financial Aid Application, available to all international applicants through the JOIN U of T Portal

Canadian applicants (living in Canada or abroad) should not complete the International Financial Aid Application, as they are eligible for UTAPS and other governmentally administered financial aid programs. International Financial Aid Application decisions will be issued in April. Please note that scholarships and bursaries rarely cover the full cost of tuition and living expenses.  

Citizens of the United States studying in degree programs at the University of Toronto can apply for financial assistance from the USA Federal Direct Loan Program. As an international school, the University of Toronto is only eligible for Direct Loans (excludes U.S. grants and work-study)