Life as a graduate student can be costly, and sometimes the financial and funding systems may seem daunting to navigate. U of T provides a variety of resources and services to help:
Enrolment Services - Academic Awards
172 St. George Street
The University of Toronto has comprehensive scholarship programs to recognize outstanding achievement at different levels of study. In addition to scholarships that recognize outstanding achievement, the University provides many awards which take into account financial need or other criteria. For further information on these awards and their application process refer to Need Based Admission Awards and Other U of T Scholarships.
Many private companies and government agencies provide awards that are tenable at the University of Toronto. These are referred to under External Awards and are not governed by the University of Toronto. Further information on awards listed in this section must be obtained from the company or agency advertising the award.
Students who are Canadian citizens or permanent residents may be eligible for financial assistance from their provincial governments. Questions or concerns about provincial government financial assistance should be addressed to Admissions & Awards and/or the appropriate provincial financial assistance website:
School of Graduate Studies
Graduate Awards Office, 2nd Floor
63 St. George Street
The aim of the Doctoral Completion Award is to help ensure that meritorious PhD students who are no longer receiving the normal funding from their graduate unit can complete their degree program within the time limit. Students may receive a DCA only once during their program.
It’s best to seek help early as most financial problems only get worse unless you seek help. Financial counselling can help students relieve stress, resolve immediate financial problems and help you plan for the future. SGS Financial Counsellors are trained to assist students in all aspects of financial management including planning a budget and debt load management.
The SGS Awards Office maintains a database of awards to help assist current and potential students while researching funding opportunities. The database is updated as award competitions open so that students will only be viewing award opportunities that are currently available. For this reason, students are advised to check the database periodically to see if they are eligible.
U of T is committed to the financial support of graduate students in doctoral stream programs. The duration of the commitment varies among the graduate units, and it is recommend that students consult the Graduate Funding Structure. Funding packages may consist of U of T Fellowships, faculty or departmental grants, scholarships or bursaries, teaching and research assistantships, external awards, or any combination thereof.
Master's Tuition Fee Bursary (MTFB)
The Master’s Tuition fee bursaries are intended for master's students in both course-work and research programs who have exceeded the time-limit for their program and still have a small amount of work outstanding, due to reasons and factors that are unanticipated and beyond the student’s control.
The intent of the Emergency Grant Program is to assist currently registered, full-time, graduate students beyond their first year of study who generally are not part of the funded cohort and who encounter an unanticipated serious financial emergency. It is not considered to be a source of routine or long-term funding.
SGS Emergency Loan
This loan alleviates temporary cash flow problems for students who are expecting to receive a payment in the near future. The maximum loan amount is $1000 and is interest-free until the mutually agreed-upon repayment date, which is typically within a month of the date of issue.
All student fees and service charges are maintained by the Office of Student Accounts. Students are expected to regularly monitor their account using ROSI. Questions or concerns pertaining to fees, deposits and payments can be addressed by the helpful Student Accounts Advisors.
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. For more information on who is eligible and how to apply, please contact Admissions & Awards.