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.
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.
The amount of tuition you pay will depend on factors such as your program, year of study and your course load. 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.
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.
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.
Our scholarship programs recognize a wide range of achievements – everything from academic excellence and leadership, to community engagement and creative accomplishments.
All applicants are automatically considered for admission scholarships. Successful scholarship recipients will be notified following their offer of admission. A select number of entrance awards require separate award applications.
For more details about all other University of Toronto scholarships, visit the University of Toronto's Scholarships page for future students.
Domestic students (Canadian citizens, permanent residents, protected persons and international students exempt from international fees) are eligible for the following scholarships and awards.
Applicants will be automatically considered for scholarships offered by the University of Toronto, the Faculty of Arts & Science and your College:
The Awards Profile is an online application that eligible students can submit to be considered for admission awards 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 other application-based scholarships, visit the University of Toronto's Scholarships page for future students.
There are over 100 undergraduate admission scholarships that are awarded to international students annually. Most of these scholarships are merit-based and applicants will be considered for these awards automatically during the admission process.
Applicants will be automatically considered for scholarships offered by the University of Toronto, the Faculty of Arts & Science and Colleges. These scholarships are merit-based and applicants will be considered for these awards automatically during the admission process:
- University of Toronto Scholarships
- College Scholarships
- Faculty of Arts & Science Scholarships
- University of Toronto International Scholar Award: Offered upon admission to selected international students on the basis of merit. Students are automatically considered for this award valued up to $100,000 over 4 years of study.
- International Merit Admission Award: Offered upon admission to selected international students on the basis of merit. Students are automatically considered for this award valued up to $50,000 in the first year of studies. This award is not renewable.
- International Student Admission Bursary: Offered upon admission to selected International students on the basis of merit and financial need as determined by the CSS application. Award amounts are variable. This award is not renewable.
In addition to those scholarships that applicants will be considered for automatically, there are scholarships that require a separate application. We encourage you to do some research on these scholarships and apply to those you are qualified for. 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|
|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 scholarships, all Faculty of Arts & Science students are automatically considered for in-course scholarships at the end of first, second and third year.
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.
The University of Toronto is a publicly-funded institution and because of that cannot offer financial aid to international students. If you are an international applicant, you should find out about your home country’s financial aid programs to see if you qualify for assistance.
All international students applying to the University of Toronto are eligible for automatic or application-based scholarships and awards.
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)