Tuition, Scholarships & Financial Aid

Tuition and Fees

Expected Costs

The cost of a university education is a combination of direct expenses (tuition and other fees, books, equipment) and living expenses while you're enrolled. The cost of attending university varies according to your program of study and place of residence during the academic year (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

Incidental Fees

All tuition-paying students are charged compulsory non-academic incidental fees. These include fees for student societies and for campus-based services (e.g. Student Services, Student Affairs, Health Services, Hart House and the Athletics Centre). 

Incidental fees for full-time students range from approximately $1,250 to $1,750 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.

To help plan your finances, use this budgeting template to estimate your education expenses.

Health Insurance

University Health Insurance Plan (UHIP) is a compulsory health insurance plan 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 see a breakdown of the various costs you may need to budget for, use the Financial Planning Calculator at



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.

The Awards and Financial Aid offices provide assistance to students looking for information about the University's scholarship and financial assistance programs. 

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).

Entrance Scholarships

Entrance scholarships are offered by the University, Faculty of Arts & Science and your college:

International Student Admission Bursary 

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 merit as well as demonstrated financial need. In all cases, qualified admitted students who meet the academic merit requirements of the bursary will be contacted directly and provided with a free CSS application code to complete the CSS Profile, which is administered by CollegeBoard.   
Please note that scholarships and bursaries rarely cover the full cost of tuition and living expenses. International Student Admission Bursary decisions will be issued in April. 

In-Course Scholarships

If you excel in your program of study, you are automatically considered at the end of your first, second and third year.


Financial Aid

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.