Financial Resources to Consider
U of T Advance Planning for Students (UTAPS)
Information for Part-time Students
Information for International Students
Scotia Professional Student Plan
Financial Assistance for Part-Time Students
There are three financial aid programs designed to assist students who are studying on a part-time basis. For financial aid purposes, “part-time” is defined as less than a 60% course load in a particular term of study. A term is defined as September to December, January to April or May to August.
Students taking course loads of 60% or greater in a particular term should apply using the application for OSAP for Full-Time Students on-line at: http://osap.gov.on.ca. Please note that students registered in non-degree programs are not eligible for funding from any government student aid programs (Full-Time/Part-Time OSAP) or the University of Toronto’s Noah Meltz Program.
The Noah Meltz Program of Financial Assistance
Who Qualifies
Maximum Value
Application: Forms and Deadline Dates
Fee Deferral
Notification and Payment
Eligibility for Noah Meltz Grant - example
Ontario Student Assistance Program
Canada Student Grant
Part-Time Canada Student Loan
Ontario Part-Time Grant
Application Tips
You should decide on your final course load for the particular academic session before applying to these programs as even a change by a half course can affect your eligibility. Decisions on part-time funding applications cannot be made until course load levels are clearly showing as part-time (less than 60% course load) in a particular term. If one or more course(s) are wait listed, decisions are delayed until there is a clear indication of whether the student has been admitted to the course(s) due to the possible effect on course load.
Actual deadlines vary for all of these programs so students are encouraged to apply in advance of the beginning of their study period and definitely no later than the last day of the month in which their classes begin. You will receive a separate decision for each submitted application.
If you are a student with a permanent disability and planning to apply to the Bursary for Students with Disabilities (BSWD)/Canada Student Grant for Services and Equipment for Persons with Permanent Disabilities (CSG-PDSE for disability-related educational expenses (e.g. tutoring, technology), you should discuss these needs for the particular study period with your Accessibility Services advisor in advance of submitting the above applications as this amount may influence the primary program you apply to for coverage of your basic educational costs (e.g. fees, books, etc.).
Noah Meltz Program for Part-Time Undergraduate Students
The University of Toronto Noah Meltz Program of Financial Assistance
for Part-Time Undergraduate Students was introduced within the framework of the University's Policy on Student Financial Support. It is named in honour of Noah Meltz, Principal of Woodsworth College from 1991 to 1998.
Who Qualifies
The Program is intended to assist students pursuing their University of Toronto undergraduate degree, diploma or certificate on a part-time basis. Students eligible for government grants or bursaries (see Government Funding section below) should be using these programs as their source of financial aid for their educational expenses. Academic Bridging Program students should access funding through Part-Time OSAP. Non-degree, international and visiting students are not eligible for the Meltz Program.
Students restricted from receiving government student aid for any reason (e.g. student loan defaults, loan overawards, academic progress) are not eligible for the Meltz grant. Exceptional cases may be considered but will be reviewed by committee from the perspectives of individual academic, government and university histories.
All Meltz recipients are expected to complete their course(s) successfully and may forfeit future eligibility by dropping their course(s) or failing to pass their course(s).
Maximum Value
Tuition fees for one credit plus a set amount for books, transportation to and from classes and child care costs (if applicable) for the study period from September to April.The maximum value is the same for the May to August study period.
Application - Forms and Deadline Dates
You should apply as soon as possible, usually no later than the last day of the month in which your classes start. Please refer to the following table for the deadline dates of various academic sessions:
| Study Period | You should apply by | Application form |
| Sept 2011 - Apr 2012 | Jan 31, 2012 | Available Now |
| Jan 2012 - Apr 2012 | Jan 31, 2012 | Available Now |
| May 2012 - Aug 2012 | May 31, 2012 | Available Now |
Processing time is four to eight weeks from the date a complete application is received by Admissions and Awards.
An early application will help with your financial planning. Paper applications are also available from Admissions and Awards and from your College/Faculty Registrar's Office.
Submit your completed application to Admissions and Awards, 172 St. George Street, Toronto, Ontario, M5R 0A3. If you should have questions, you can phone (416) 978-2190 to speak to a financial aid counsellor.
Fee Deferrals
Applicants can obtain a fee deferral letter at the time their Meltz application is submitted to Admissions and Awards. This deferral letter should then be submitted to their college/faculty Registrars office or Student Accounts, 215 Huron Street, third floor. Students with outstanding fees from a previous session are not eligible for Meltz fee deferral until their fees arrears have been paid.
Notification and Payment
All applicants will receive notification in the mail of their eligibility. Successful applicants will have the grant paid into their fees account and applied against outstanding tuition fees to a maximun of one credit. You must be fully registered for payment to take place. Processing of payment also does not begin until the first week of classes so students are strongly recommended to have sufficient savings set aside to purchase initial books and supplies. In addition, please ensure your ROSI mailing address is valid and has not expired on the system.
Worksheet Example from application to determine eligibility for Noah Meltz grant
Example: Married student with one child. Applicant has gross annual income of $5,000 and spouse has gross annual income of $20,000. Total Family Gross Income = $25,000 (A).
| Number | Exemption | ||
| Self | 1 X | $18,000 | = $18,000 |
| Spouse (if applicable) | 1 X | $15,000 | = $15,000 |
| Children | 1 X | $10,000 | = $10,000 |
| B:Total | = $43,000 | ||
| Multiply B X 0.8 = C: $34,400 | |||
Student is eligible as Total Gross Family Income A($25,000) is lower than C($34,400).
Part-time students may be eligible to receive funding from one of these government programs during the academic year. Students applying to OSAP should do so online at: http://osap.gov.on.ca . Applications for other programs mentioned below are available from Admissions and Awards. A link has also been provided to the OSAP website to access the forms.
Ontario Student Assistance Program
Undergraduate Arts and Science students registered in 1.5 or more credits per term are eligible to apply for interest-free student loans from the Ontario Student Assistance Program (OSAP). Undergraduate Arts and Science students with documented permanent disabilities can apply for OSAP if they are registered in 1.0 or more credits per term. Graduate and professional faculty students must be registered in a course load of 60% or greater per term or, for those with a documented permanent disability, a course load of 40% or greater. OSAP considers a student for interest-free loan funding for tuition fees, books and living expenses. Some students also qualify for grants or bursaries based on their individual status.
Part-Time OSAP:
Canada Student Grants for Part-Time Students
Part-Time Canada Student Loan
Ontario Part-Time Grant
NEW as of 2011/12!
OSAP has designed an on-line application for this program available through the OSAP web site at: http://osap.gov.on.ca. If you have ever registered on the OSAP web site, you will need to provide your OSAP Access Number (OAN) and password to log in. If you are unable to access this information through the tools provided on-line, you should bring your Social Insurance Number card and a piece of government issued photo ID (e.g. driver’s license, passport) to Admissions and Awards, 172 St. George Street, to get or reset the information so that you can log in. An on-line application is the preferred method to apply for 2011/12 although a paper version will be available when issued by the government. Be sure that you complete the application for OSAP for Part-Time Students. All documents including signature pages and supporting documents should be submitted directly to Admissions and Awards.
This program assists with the educational expenses of part-time degree students taking course loads of less than 60% per term. A term is defined as September to December, January to April or May to August. Students taking course loads of 60% or greater in a particular term should apply using the application for OSAP for Full-Time Students on-line at: http://osap.gov.on.ca.
Students apply for the Canada Student Grants, Part-Time Canada Student Loan and Ontario Part-Time Grant on the one application form.
The Canada Student Grants portion of the program is designed to assist:
- a student with a low income as defined by the program (maximum grant $1200 September to August);
- a student with a low income as defined by the program who is permanently disabled (maximum grant $3200 September to August).
The Ontario Part-Time Grant portion of the program is designed to assist:
- a student who is not eligible for the $1200 Canada Student Grant may be considered for this grant (maximum grant $500 September to August).
Students must take both the grant and loans awarded as the funding is released on the same document but can choose to accept the grant portions of the program and repay the Part-Time Canada Student Loan portion immediately after receiving it to avoid incurring the debt. You can obtain further information, including program income limits, from the OSAP web site at: http://osap.gov.on.ca.
The Part-Time Canada Student Loan requires:
- Payment of the principal amount plus any accumulated interest to the National Student Loans Centre (NSLSC) to begin six months from when you complete your studies.
- The maximum total outstanding principal for all negotiated Part-time Canada Student Loans cannot ever exceed $10,000.
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