UTAPS

UTAPS

What is the University of Toronto Advance Planning for Students (UTAPS) Program? 

UTAPS is a University of Toronto program intended to fill the financial gap for eligible University of Toronto full-time students who receive the maximum amount of government financial aid, but whose government funding and other assessed financial resources do not cover all assessed university costs. UTAPS funding varies depending on student need. 

Am I Eligible for UTAPS?


  • A Canadian citizen, permanent resident, or a protected person (recognized convention refugee); and  
  • Receiving both government student grants and loans (OSAP, or other provincial/territorial government financial aid), or only educational funding for Indigenous students (e.g., Band funding provided through the Post-Secondary Student Support Program), AND be assessed as still having unmet need; and  
  • Enrolled in a UTAPS-approved program; and  
  • Registered in a full-time course load per the Ontario Student Assistance Program (OSAP) requirements during the Fall and/or Winter terms
  • For the summer term, UTAPS is only available to UTSC students who are registered in a full-time course load (per OSAP requirements) for the entire May to August summer session.
  • international;   
  • part-time;   
  • enrolled in co-op, internship, or Professional Experience Year (PEY) work term(s);   
  • students who are restricted from receiving funding from their government financial aid program;
  • single students who are less than six years out of high school and opt-out of providing parental information. 
  • students in professional graduate programs – please see Students in Professional Graduate Programs for more information.

Students who opt for grant-funding only from their government financial aid program may be deemed ineligible for UTAPS, or may receive reduced UTAPS funding.

Students in professional graduate programs are not eligible for UTAPS funding. See Students in Professional Graduate Programs for more information.

The following are UTAPS-approved undergraduate, doctoral-stream masters, and doctoral programs. 

Note: If you do not see your program of study in this list, contact your Registrar’s Office

Faculty of Applied Science and Engineering 

  • All undergraduate programs 
  • Master of Applied Science (MASc) 
  • Doctor of Philosophy (Ph.D.) 

Faculty of Arts and Science – St. George 

  • All undergraduate programs including:
    • Computer Science 
    • Humanities 
    • Life Sciences 
    • Physical and Mathematical Sciences 
    • Rotman Commerce 
    • Social Sciences 
    • All doctoral-stream masters and doctoral programs 

John H. Daniels Faculty of Architecture, Landscape and Design 

  • Bachelor of Arts in Visual Studies 
  • Bachelor of Arts in Architectural Studies 
  • Master of Forestry 
  • All Doctoral programs (Ph.D.) 

Ontario Institute for Studies in Education (OISE) 

  • All Doctoral programs (Ph.D. and Ed.D.) 
  • Other Master of Arts Programs (excluding MA Child Study & Education) 

Faculty of Information Studies (iSchool) 

  • Bachelor of Information 
  • Bachelor of Arts – Interactive Digital Media (joint with UTM) 
  • Ph.D. in Information Studies 

Faculty of Kinesiology and Physical Education 

  • Bachelor of Kinesiology (BKIN) 
  • Master of Science in Exercise Sciences 
  • Ph.D. in Exercise Sciences 

Faculty of Law 

  • Doctor of Juridical Science (SJD)

Temerty Faculty of Medicine 

  • BSc in Medical Radiation Sciences 
  • Bachelor of Science – Physician Assistant 
  • All course-based masters, doctoral-stream masters, and doctoral programs 

Faculty of Music 

  • Bachelor of Music 
  • All Ph.D. programs 

Lawrence S. Bloomberg Faculty of Nursing 

  • Bachelor of Science in Nursing (BScN) 
  • Collaborative Master of Nursing/Ph.D. programs 
  • Doctor of Philosophy (Ph.D.) 

Dalla Lana School of Public Health 

  • Master of Science in Biostatistics 
  • Ph.D.: Biostatistics 
  • Ph.D.: Epidemiology 
  • Ph.D.: Occupational and Environmental Health 
  • Ph.D.: Social and Behavioural Health Sciences 

Factor-Inwentash Faculty of Social Work 

  • Ph.D. in Social Work 

University of Toronto – Mississauga 

  • All undergraduate programs 
  • Doctoral-stream masters programs – contact your program area for further information 
  • Doctor of Philosophy (Ph.D.) 

University of Toronto – Scarborough 

  • All undergraduate programs 
  • Doctor of Philosophy (Ph.D.) 

The following courses/programs offered by the University of Toronto are not approved for UTAPS: 

  • Continuing Dental Education programs, including the International Dentist Advanced Placement Program for Foreign-Trained Dentists 
  • Non-conjoint Toronto School of Theology Programs (TST students in conjoint programs are eligible to apply for OSAP but will not be considered for UTAPS.) 
  • All executive programs at the Rotman School of Management 
  • Graduate Diploma in Professional Accounting – Rotman School of Management 
  • International Pharmacy Graduate Program (Canadian Pharmacy Skills) for individuals with foreign pharmacy degrees 
  • Ontario Institute for Studies in Education – additional qualification courses 
  • School of Continuing Studies courses 
  • Residency programs 
  • Certificate in Environmental Management 
  • Certificate in Renewable Energy 
  • Certificate in GIS for Environmental Management 
  • Certificate in Environmental Health 
  • Internationally Trained Lawyers Program 
  • National Committee on Accreditation at the Faculty of Law 
  • Master of Mathematical Finance 
  • Any non-degree studies 

Students in professional graduate programs are not eligible for UTAPS funding. See Students in Professional Graduate Programs for more information.

Financial Aid/UTAPS Estimator


This is a tool that will provide you with an estimate of how much funding you may be eligible to receive.

Before you begin the Financial Aid/UTAPS Estimator

  1. The Financial Aid/UTAPS estimator provides an estimate only. It does not provide a guarantee of funding by the University of Toronto.
  2. The Financial Aid/UTAPS estimator is based on current OSAP policies and University of Toronto costs. It’s intended to help you plan for your university expenses. The actual amount of government-funded student aid (e.g., OSAP) could be different.
  3. All income-related questions must be completed. If you have no income to report for a particular question, enter 0. Blank fields will not be accepted.
  4. It’s important that you accurately report the income amounts as requested. Estimates are acceptable if the tax returns have not been completed.

How Do I Apply for UTAPS?


  • OSAP recipients do not need to apply. They are automatically considered based on their Full-Time OSAP Application. Find out more about OSAP here.
  • Students receiving other provincial/territorial government financial aid, or Band funding/community sponsorship only (i.e., without receiving other government financial aid) must complete the 2022-23 Out-of-Province UTAPS application: 2022-23 Out of Province UTAPS Application
  • Deadlines for the Out-of-Province UTAPS application are:
    • Fall 2022: Tuesday, November 1, 2022, 11:59pm EST/Toronto time. Applications submitted after this deadline will be reviewed after the winter deadline listed below.
    • Winter 2023: Wednesday, February 1, 2023, 11:59pm EST/Toronto time.

Next Steps


For OSAP recipients, if you are eligible for UTAPS funding, the award will appear on your ACORN account, under My Awards. You will also be notified through your UTOR email.

If you have submitted an Out-of-Province UTAPS application, you will be notified of the result of your application via your UTOR email approximately 4-6 weeks after the application deadline.  

  • Example 1: Students who submit their application by the November deadline will be notified of the result of their application in December. 
  • Example 2: Students who submit their application after the November deadline, and before the February deadline, will be notified of the result of their application in March. 

Out-of-Province UTAPS applications are processed after the application deadlines above. Applications received after the Fall 2022 deadline will be processed after the Winter 2023 deadline.

UTAPS grants are applied first to your ACORN fees account. Any remaining credit balance will be deposited into your bank account. For quicker payment, ensure the following information is setup on your ACORN account:  

  • Banking information 
  • Your Canadian mailing address 
    • Make sure your address is valid (correct and valid from/until dates must be current). To update your mailing address on ACORN, follow the instructions in the Add/Change Address section.

Ensure your student financial aid application is not on hold. Applications may be put on hold for issues such as academic restrictions, income verification issues, overpayments, etc.

If you have further questions, please see these resources: