Upper Year Classes in First Year

Students in first year can take upper-level courses, provided they meet prerequisites for the course.

Some 200-series courses do not have 100-series prerequisites and are open to first-year students. Often, these courses will include the word “introduction” in the title or the course description.

While 200-level courses may have some academic expectations that second-year students are more prepared for, first-year students can take 200-series courses for which they meet the prerequisites.

If you want to be challenged, it’s fair to say that the 100-level courses will satisfy your expectation. If you plan to take more than two 200-series courses in your first year, it’s a very good idea to meet with an academic advisor in your College to go over your plan. 

Back to Back Classes??

You asked: "If you have back to back courses how will you be able to get to the next course on time?"

It's okay -- you can schedule classes right after one another. Classes start at 10 minutes after the hour and end on the hour. For example, a class that meets MWF9 starts at 9:10 a.m. and ends at 10:00 a.m. on Monday, Wednesday, and Friday.

You can get from one place to another on campus during the 10-minute break between classes. You may not be able stop for a fancy coffee on the way in some cases, but you can do it!

Degree Explorer: experiment with your courses and programs

Interested in experimenting with your course, program, and degree requirements? Log in to Degree Explorer using your JOINid or your UTORid.

With Degree Explorer, you can

·         confirm whether you have the prerequisites for courses

·         check how your course choices fit with specific program of study requirements

·         see how your courses will contribute to your degree requirements

·         plan your degree

·         save up to five planning scenarios

Your Questions About Subject POSts

Program = Program of Study (Specialist, Major, Minor)
Specialist = prescribed combination of 9.0 – 16.0 credits
Major = prescribed combination of 6.0 – 8.0 credits
Minor = prescribed combination of 4.0 credits

What is a Program?
A Program is an academic Programs of Study in FAS. You must enrol in at least one and no more than three academic Programs of Study, of which only two can be majors or specialists.

The minimum combination of Subject POSts required for your degree is any of:
· 1 Specialist
· 2 Majors
· 1 Major and 2 Minors

Other combinations beyond the minimum that you can do include:
· 2 Specialists (along with a Minor)
· 1 Specialist and 1 Major (and a Minor)

It’s not a competition for the most programs. 1 Specialist, or 2 Majors, or 1 Major and 2 Minors is more than satisfactory.

When do I sign up for a Program?
You will either enrol in programs or request (that is, apply to) programs at the end of the session in which you will complete your fourth degree credit in A&S (including transfer credits). 

Typically, for first-year students, this means that you will be applying for acadmic programs in April of 2018.

If you will not have completed 4.0 credits by the end of April but you are intending on taking summer courses to bring you to four courses, then you will still want to apply for Subject POSts in April.

Why is this so important?
You need to be enrolled in a suitable combination of Academic Programs before the course selection period for the 2018-2019 Fall/Winter Session. If you aren’t, then ACORN won’t permit you to enrol in any courses.

Program enrolment is important for another reason. For a number of courses, the departments and programs give priority enrolment to students who are enrolled in that specific program. 

How do you apply?
Programs are identified by Type. Type refers to admission requirements and process.

Type 1 programs do not have any requirements for entry other than successful completion of 4.0 degree credits. You can add these programs on ACORN and no other application is required.

There is one Type 1S program. It is the Specialist in Bioinformatics & Computational Biology. Imagine that the “S” is a dollar sign, because students in this program pay higher fees.

Type 2 programs require specific courses with specific minimum grades. And some Type 2 programs have a limit on the number of students they can accept. These are Type 2L programs. These programs and departments will actually advertise what they project to be the minimum grade you will need in specific courses, but they could end up using a higher minimum grade if the number of students eligible for the program exceeds the number of spaces available in the program. Departments with limited enrolments will make this information clear to students in the Calendar.

And finally, Type 3 programs. These require specific courses with specific grades, they will have a limited number of spaces in them, and they require additional information beyond minimum grades in courses.

There are two rounds of application to Programs. One starts in April with results in July. The second in July with results in September. A Type 3-yes program accepts applications in the second round of program enrolment. A Type 3-no program does not. 

Where are my classes?!

Curious to know where your classes are being held?

The Timetable does not list the classroom locations yet, but ACORN does! The locations are often in code. Here is a legend of building codes. And if you need to figure out where a location is, type it into the Campus Map.

The Timetable does not list most of the instructors yet either. ACORN lists many of them and keeps adding more!

Classes start at 10 minutes after the hour and end on the hour. For example, a class that meets MWF9 starts at 9:10 a.m. and ends at 10:00 a.m. on Monday, Wednesday, and Friday.

You can schedule classes right after one another. The St. George Campus is a big 35-city block campus, but you can almost always travel by foot from one part of campus to another in 10 minutes. Sometimes moving from the west end of campus to the central part is as easy as crossing St. George Street. Other times, you may have to get across Queen’s Park, but students report that they manage without too much difficulty. (They also report that they don’t always get their favourite seat in the class if they arrive at 10 minutes after the hour!)

Remember that you can enrol in a maximum of 5.0 credits until 3 August, and starting on 5 August, you can enrol in a maximum of 6.0 credits.

Choosing Great Breadth Courses

Every course entry in the Calendar lists the breadth category for a course.

But here’s a brand new site dedicated to helping students choose great breadth courses.

It includes filtered searches for potential breadth courses and it also includes examples of how other students in your area of study completed their breadth requirements.

Then to find out more about the courses, you can use the course code to check out the Arts & Science Calendar and find out how to fit it in your schedule by visiting our timetable tool

You can also use Course Finder to filter courses by their breadth category. Just

  • Select “St. George Campus”
  • Under the “Requirements” radial button choose “FAS Breadth Requirement”
  • Under “Departments” choose “Faculty of Arts and Science”
  • Under “Requirements” choose “Faculty of Arts and Science”
  • Select a Breadth category
  • Filter for any or all of:
    • Department
    • Term
    • Days of Week
    • Time
    • Credit
    • Course Level

The Breadth Requirement

The Breadth Requirement is a degree requirement that ensures that, by the time you graduate from the FAS, you have a breadth of knowledge about the richness of the arts, the complexity of global cultures, and the varied structures, processes and concepts of the social and natural world.

Some students will elect to complete some of their Breadth Requirements in first year, but it is not necessary. The Breadth Requirement must be satisfied by the time you graduate.

Every course description in the Calendar includes breadth category:
CCR Creative and Cultural Representations
TBB Thought, Belief & Behaviour
SII Society & Its Institutions
LTE Living Things & Their Environment
PMU Physical & Mathematical Universes

Some full courses count for a half-credit in two categories.

A few courses have no breadth category (e.g. MAT133Y1).

You need at least 1.0 credits from 4 of the 5 categories OR 1.0 credits from each of 3 categories and 0.5 from the remaining 2.

Courses you take for program requirements can also satisfy Breadth requirements.

These also count as Breadth requirements:
First-Year Seminars (199s)
First-Year Foundations (Ones)
VIC 100 Seminars

The First-Year Learning Communities (FLC’s) are non-credit courses that do not count as Breadth requirements.

Conveniently, the first three letters of all First-Year Seminars correspond to their breadth category. The XBC First-Year Seminar courses fulfil two breadth categories.

If you decide to take a course as Extra or a Credit/No Credit, it still counts as a Breadth Requirement (provided you pass the course). 

Stay tuned for our next post on "How To Choose Great Breadth Courses"

LECs and PRAs and TUTs

Every single course in the FAS has a lecture section (even if it’s a seminar). If there is more than one L section listed in the timetable listings, select the one that is offered at the time most convenient for your schedule. If a course listing also includes P and T meeting sections, make sure you also sign up for one of each. On ACORN, L shows up at LEC, P shows up as PRA, and T shows up as TUT. 

How to Get a Degree

Whether you’re working towards an

·         Honours Bachelor of Arts

·         Honours Bachelor of Science

·         Bachelor of Commerce

there are six requirements to complete.

1. 20.0 credits in total
2. no more than 6.0 credits at the 100-level
3. at least 6.0 credits at the 300- or 400-level
4. a minimum CGPA of 1.85
5. Programs
6. Breadth requirements

1. 20.0 credits in total
Unless otherwise stated, whenever the FAS refers to “courses,” it means “the equivalent in full courses.” A full course is the same as a full credit. It has a credit value of 1.0. A half course has a credit value of 0.5.

A standard course load per year is five courses. That’s a combination of full courses and half courses that total 5.0 credits. You can take fewer than 5.0 a year. You can also take as many as 6.0, though that’s certainly not advisable, and especially not in first-year. In addition, make sure you don't go over five courses per term - that's the maximum number you can take in each of the First (or Fall) and Second (or Winter) terms. It's always best to balance out your courses so you’re taking the same number in each term.

2. No more than 6.0 100-series courses
A 100-level credit is a first-year course.

If you have 100-level transfer credits, remember to count those in your 6.0.

Students may take courses beyond 6.0 at the 100-level, but any course beyond the first 6.0 that you take will be designated Extra. An Extra course still counts towards program requirements (see below) and it counts towards the Breadth Requirement (see below), if passed, but it does not count as a degree credit to make up 20.0 and it is not included in your Grade Point Average (see below).

3. At least 6.0 courses at the 300- or 400-level
You need at least 6.0 courses at the 300- or 400-level. These are upper-year courses and this requirement will matter much more to you in later years!

4. 1.85 CGPA
To graduate, you need to have a minimum Cumulative GPA of 1.85. That’s 1.85 out of 4.00. When you finish a course, you get a percentage grade for the course and you get a letter grade for a course. The letter grade is converted to a grade point value and grade point values are used to calculate grade point average. (Wait. It gets more confusing. Keep reading.)

When calculating your grade point average, it’s helpful to know that a full course is worth twice as much as a half-course. This chart gives you a sense of how percentages are converted to letters, which are turned into grade point values, that are used to calculate grade point averages.

If you graduate with a Cumulative GPA of 3.20, you’ll graduate “With Distinction,” and if you get a 3.50 or higher, you’ll graduate “With High Distinction.”

5. Complete Programs

Near the end of the academic session in which you complete your fourth credit, you need to sign up for a suitable combination of programs. If you don’t, ACORN won’t let you sign up for courses in the subsequent academic session!

Since most programs have first-year course requirements, you’ll want to look into programs before you select your first-year courses.

A suitable combination of programs includes:
one Specialist program, or
two Major programs, or
one Major program and two Minor programs.

A Specialist is a constellation of anywhere from 9.0 and 16.0 courses depending on the program. A Major is a collection of 6.0 to 8.0 courses depending on the program. And a Minor is always 4.0 courses.

If you’re going to complete a combination of two Majors or one Major plus two Minors, then you can use some courses to fulfill both programs, provided you have at least 12.0 distinct courses (that’s “equivalent in full-courses”!) in your combination of programs.

One more thing. In the Calendar, all programs are identified as an Arts program, a Science program or a Commerce program. If you’re completing a combination of two Majors and one is an arts (including social science) and one is a science, then you have a choice of either an Honours Bachelor of Arts (H.B.A.) or an Honours Bachelor of Science (H.B.Sc) degree. And if you choose the combination of one Major and two Minors, then it depends on the areas of your three programs. If you do a Major in arts and two Minors in science, you may choose to receive the H.B.A. or H.B.Sc. If the Major and one Minor are in science and the other Minor is in arts, you’d receive the H.B.Sc.  Similarly, if the Major and one Minor are in arts and the other Minor is in science, you’d receive the H.B.A.
6. Complete the Breadth Requirement
All courses are identified in the online Calendar by their breadth category. There are five different breadth categories:
CCR Creative & Cultural Representations
TBB Thought, Belief & Behaviour
SII Society & Its Institutions
LTE Living Things & Their Environments
PMU Physical & Mathematical Universes

To complete the breadth requirement, you need 1.0 courses from four of these categories or else 1.0 courses from three categories and 0.5 courses from the remaining two categories.

Conveniently, the first three letters of all First-Year Seminars correspond to their breadth category. The XBC First-Year Seminar courses fulfil two breadth categories.

It’s also helpful to know that some full courses satisfy two separate breadth requirements - in these cases, the course would count as 0.5 credit in breadth category A and 0.5 credit in breadth category B. All half courses only satisfy one breadth requirement category.

It’s helpful to know that Degree Explorer can help you plan out your degree. 

More Synonyms, Acronyms and Abbreviations

FAS uses a few words interchangeably. This can throw new students off at first. Here's a list of some of them:

100-series = 100-level = first-year course
A&S = FAS = Faculty of Arts and Science
ACORN = SWS (which used to be ROSI!)
First Year Foundations = The One Programs = College Ones
First-Year Seminars = 199 seminar courses
Grant = Bursary
Subject POSt = Program of Study
Scholarship = Award
Spring Term = Winter Term

Just when you thought you had it figured out . . . there are also words you would expect to be synonyms that actually have different meanings in FAS.

Synonyms? (not quite)
These words suggest the same meaning but aren’t the same:

Cancel vs Drop vs Withdrawal
Breadth Requirement vs Distribution Requirement
Credit vs Course
Faculty (of Arts and Science) vs faculty (or instructors)
Fall term=first term
Register (pay for courses) vs Enrol (sign up for courses)
Scholarships & Awards vs Grants & Bursaries
Spring term=winter term=second term
Term vs Session

Acronyms & Abbrvs

There are so many acronyms and abbreviations used in the FAS that they require a separate post on FAStanswers. The alphabetical glossary is here

A glossary of frequently used Arts & Science acronyms

Here's an alphabetical list of some of the most frequently used acronyms in the Faculty of Arts & Science. Also known as A&S. Or FAS. Hence FAStanswers!

A&S: Faculty of Arts and Science

ACORN: ACORN is U of T's student information service; students use ACORN to add courses, enrol in programs, check their marks, view their fees invoice, order transcripts and much more.

AGPA: Annual Grade Point Average

AE: Course enrolment indicator; student must receive departmental approval to enrol in course

APP: Approved; department has approved student enrolment in AE course (see "AE directly above)

AS: Accessibility Services

ASC: Academic Success Centre

ASSU: Arts and Science Student Union

BR: Breadth Requirement (five categories)

CCR: Creative and Cultural Representations (breadth category #1)

CGPA: Cumulative Grade Point Average

CIE: Centre for International Experience

CR: Credit (when a course is taken as Credit/No Credit)

DR: Distribution Requirement (3 categories; not applicable to students entering in September 2010 or later)

E: Course enrolment indicator; student must enrol in course at department

EXT: Extra course; notation on academic record

F: First/Fall course section code; September-December or May-June

FAS: Faculty of Arts & Science

FCE: Full Course/Credit Equivalent

GPA: Grade Point Average

GWR Grade Withheld Pending Review; notation on academic record

H: Half course, worth 0.5 credit

HUM: Humanities distribution category (pre-2010)

INVIT: Invited; eligible to enrol in courses

INT: Interim status; department has not yet determined student status in AE course

IPR: Course In Progress; notation on academic record

LEC: Lecture section of course

LOP: Letter of Permission; used to predetermine eligibility of transfer credits

LTE: Living Things and Their Environment (breadth category #4)

LWD: Late Withdrawal from course; notation on academic record

NCR: No Credit (when a course is taken as Credit/No Credit)

NGA: No Grade Available; notation on academic record

OSAP: Ontario Student Assistance Program; governmental loan program

P: Course enrolment indicator; priority is given to specific students

PE: Course enrolment indicator; students in specific group will receive priority and after priority is removed, other students must enrol at the department

PIN: Personal Identification Number

POSt: Program of Study

PRA: Practical/lab section of course

PMU: The Physical and Mathematical Universes (breadth category #5)

R: Course enrolment indicator; course is restricted to a specific group of students

REF: Refused; department has refused student enrolment in AE course or has removed student for prerequisite, exclusion, or co-requisite problems

REG: Registered as a student (both enrolled in courses and paid fees)

ROSI: Repository of Student Information (students use this web service to, among other things, add and drop courses, view their academic history, and view their invoices for tuition and other fees); it has been replaced by the friendlier, ACORN.

RP: Course enrolment indicator; course is restricted to specific group of students and after priority is removed for P courses, some spots may be made available to other students

S: Second/Spring course section code; January-April or July-August

SCI: Science distribution category (pre-2010)

SDF: Standing Deferred in course; notation on academic record

SGPA: Sessional Grade Point Average

SII: Society and Its Institutions (breadth category #3)

SOC SCI: Social Science distribution category (pre-2010)

SWS: Student Web Service (same as ROSI)

TUT: Tutorial section of course

TBB: Thought, Belief, and Behaviour (breadth category #2)

UTL: University of Toronto Libraries

UTM: University of Toronto Mississauga

UTSC: University of Toronto Scarborough

UTSU: University of Toronto Students’ Union

UTTC: University of Toronto Transcript Centre

WDR: Withdrawal from course; notation on academic record

Y: Full course worth 1.0 credit (e.g. ECO100Y1); year course section code (September- April or June-August)

Fees invoice and payment info

You may have already seen some tuition fee charges on ACORN, under the "financial account" tab. Here's some explanation of what the fees mean and how to pay them.

Payment/deferral deadline
This year, the fee payment/deferral deadline is August 30. You must have paid or deferred by August 30 in order to secure your courses and complete your registration.

How much do I have to pay?
You have three options for payment:
1. Pay the full balance of your Fall and Winter fees by August 30, OR
2. Pay the Fall fees by August 30 and the Winter fees by November 30 (to avoid service charges) OR
3. Officially defer payment of your fees by August 30 (see below)

How do I make a fee payment?
You can find instructions on how to pay your fees on the Student Accounts website. Please allow at least 5 business days for payments to be received and recorded on ACORN by the University. Payments from outside Canada may take longer. Keep your payment receipt/confirmation for your records.

Can I defer my fees if I'm receiving OSAP or government loans?
If you’ve qualified for student loans in Canada, you can defer your fees on ACORN by August 30 and pay them when you receive your loans. Pay your Fall fees by September 30 and Winter fees by January 30 to avoid service charges.

I received an admission scholarship from U of T. What should I do?
Admission scholarship amounts are usually applied to students’ accounts in September.

If you were awarded a U of T admission scholarship and the amount is more than the Fall portion of your fees, you can defer your fees at your College Registrar’s office (by the August 30 deadline).
If the amount is less than the Fall portion of your fees, you may deduct the scholarship amount from the Fall fees and pay the difference by August 30 to complete your registration.

For detailed information on the minimum required payment and service charge schedule for 2017-18 please check the Office of Student Accounts website.

Residence fee charges
If you will be living in a University residence this year, residence fee charges will be added to your student account in the coming weeks. Please refer to the communications from your residence office for information and payment deadlines.

How are my tuition fees calculated?
In the FAS, students are assessed either a Program fee or Course fees depending on their course load in the fall/winter session.

In 2017-18, students (except those enrolled in a Commerce program) taking 4.0 – 6.0 FCEs will be assessed the Program fee; students taking 0.5 – 3.5 FCEs will be assessed Course fees: you can find details here.

Please note that all students are initially charged Program fees.
If you’re planning to take 0.5 – 3.5 FCEs for the fall/winter session, you can request to have your fees adjusted to Course fees. However, if you’re going into your first year, it’s best to consult your College Registrar’s office about your plans to take a reduced course load.

To request a change in your fees assessment from program to per-course fees:
1. Enrol in your courses on ACORN (starting July 27). To request a change, your course load (including waitlisted courses) must be 3.5 FCEs or less,
2. Wait 24 hours,
3. Go to the Arts & Science online services for students page to make your request. 

Be Prepared! -- TCard Specifics

To get a TCard, you'll need three things:

1.     Student Number or JoinID

2.     Citizenship Documentation

3.     Valid Government-issued Photo Identification.

Before we get started, all identification must be the original copy (no photocopies will be accepted, the photo on your identification cannot be more than 5 years old)

1Student Number or JoinID: That's easy! Both your Student Number (which is the same as your UofT Applicant Number) and JoinID are on your Admission letter, so just bring the letter or an email copy with you.

2. Citizenship Documentation

If you are a Canadian: bring your Canadian Passport. If you don't have one, bring your Canadian Birth Certificate or Canadian Citizenship Certificate card AND one piece of Canadian government-issued photo ID.

If you are a Permanent Resident of Canada: bring either your PR Card, Record of Landing or Confirmation of Permanent Residence AND one piece of Canadian government-issued photo ID.

If you are an International Student: bring your Passport including a valid study permit.

Remember that all documents have to be the originals and valid (not expired)! To get more information on the correct documents you need, visit the T Card website here

3. Valid government-issued photo identification.
The following is a list of identity documents that are accepted, with a photo that is no more than 5 years old:

  • Passport
  • Canadian Driver’s License
  • Provincial Photo Card
  • Nexus card (belonging to a Canadian Citizen)
  • Certificate of Indian Status issued by the Government of Canada
  • Permanent Resident (PR) Card issued by the Government of Canada
  • Canadian Armed Forces Identification Card

A word about your name...

More than a few students have had to visit their College Registrar’s Office to settle an issue with their name before being issued a TCard.

Be prepared. When the TCard Office says the name on your government-issued photo identification has to be the same as the name on the UofT records system, they mean EXACTLY!

But for now, if the UofT records system has no middle name for you, but your government-issued photo ID does, that middle name needs to be added to the UofT records system. Your College Registrar’s Office has to change it for you.

If the UofT system has a middle initial for you, and your government-issued photo ID has a complete middle name, it has to be added at UofT. The TCard Office will send you to your College Registrar’s Office to have the middle name added to the UofT system.

So compare your government-issued ID to your name on your offer of admission or on ACORN. If they don’t match exactly, save yourself the time running between offices. Visit your College Registrar’s Office first!


Identification Galore!

There are 4 pieces of university identification that a Faculty of Arts & Science student requires:

1.     a U of T student number or letter of Admission or UTOR/JOIN ID

2.     a UTORid

3.     a TCard

4.     a UTmail+ email account

U of T Student Number (you already have this!)
When you applied to U of T, you were given a UofT applicant number. This 10-digit number is your permanent U of T student number. You can learn more about how to find your letter of admission or UTOR/JOIN ID with this video:

UTORid (you have this, too!)
Your UTORid includes some or all of your last name, maybe part of the letters of your first name, and maybe a few random numbers at the end. Your UTORid (and your password) is your key to a number of services at U of T. You’ve already used it to enter the JoinUofT Portal (for applicants to U of T). You also use UTORid to access:

·         the U of T Portal (course webpages and other UofT web tools)

·         UTmail+ (required by all A&S students)

·         UTORweb (personal webpages)

You can learn more about activiating your UTORid here


Every student must have a TCard and a UTmail+ email account. You need the TCard to set up your UTmail+ email.The TCard is a photo ID smart card. It’s . . .

  • your library card
  • your access to activity centres like Hart House, Athletic Centre, Goldring Centre
  • your access to use student services like Health and Wellness Centre, Career Centre, Housing Centre
  • money for stuff like printing and photocopying on campus and for loading flex dollars for food almost anywhere on campus
  • used for discounts e.g. on the TTC and Go Transit
  • what you show to write exams

Check out the video for information on how you can get your T Card:

UTmail+ account

This is the University’s official way of contacting you. It’s the only email that the FAS will use to contact students. UTmail+ gives you an impressive email account with 50 gigs of memory for inbox and file storage. You activate your UTmail+ online using your UTORid and the Secret Activation Key you got with your TCard. Activate it here.

You can also watch this video to learn more about your UTmail:

Final note:

If you’re not in Toronto until September, don’t worry. You can easily get your TCard and your UTmail+ email when you arrive. But if you’re in the area, you can get your TCard (and then sign up for UTmail+) starting June 5, 2017.


Ontario Residents, Financial Aid, OSAP (and UTAPS!)

If you’re an Ontario resident looking for financial assistance for the year ahead, you’ll want to know what OSAP is and you’ll want to apply for it by mid-June.

What is it?
OSAP – the Ontario Student Assistance program – offers loans (which are interest-free while you’re a full-time student) and grants (which you don’t have to pay back), both of which help pay for your education if you can’t cover it all. You can find out more and see a loan calculator here

How much $$?
The maximum loan for a single student is $390.00 per week for the 34 weeks of the Fall/Winter session. Married or common law students and sole-support parents can get a maximum of $660.00 per week. OSAP grants can reduce your loan or top it up.

What to do first
Before filling out the OSAP application, try out the Aid Estimator on the OSAP website. It calculates how much financial assistance you are likely to get as a loan and as grants such as the Ontario Access Grant, or the Canada grants for persons from middle-income families, or for persons from low-income families or persons with permanent disabilities.

You apply for OSAP online. You start by registering for your OSAP Access Number, which you’ll use to log into your OSAP account along with the password you create.

The application asks for specific but straightforward information.

Two details to watch out for
One: Partway through the application, you’ll be asked for your Ontario Education Number. You can get your OEN from your high school or board of education.

Two: Toward the end of the application, there’s a button inviting you to redirect your tuition to your academic institution. U of T doesn’t use this, even if you hit the button.

Once you’ve filled out the OSAP application, you will be asked to print or save at least three documents.

The system may ask you to fill out additional documents, but everyone gets a Declaration Form for themselves and one for their parents or guardians or spouse. You need to mail or deliver these documents to Enrolment Services at U of T.

The last document you get is your Master Student Financial Assistance Agreement or MSFAA. This agreement lasts for your entire career as a student. You have to deliver the completed MSFAA to a designated Canada Post outlet in person and show the clerk your SIN card and a government-issued photo ID.

Canada Post forwards your MSFAA to the National Student Loans Service Centre and this Centre deposits your OSAP funds in your bank account once school starts.

When do I hear back?
If you apply by mid-June, you should know the results by mid-August. You can follow the process online using the “check status” link.

You get your OSAP money once school has started.

Paying tuition
Your tuition is due by the registration deadline in mid-August. If you are not able to make your minimum payment (i.e. the total amount of your Fall fees) but you’re eligible to receive OSAP, you can officially defer your fees on ACORN. Before the mid-August deadline, go to the “Financial Accounts” section and click the “OSAP” link to defer your tuition and not lose your courses.

You will pay your tuition once the first instalment of your OSAP appears in your bank account.

More on paying tuition in an upcoming video

What is UTAPS?
Finally, if you receive maximum OSAP and still have unmet financial need according to your student loan assessment, you may be eligible for funding from UTAPS or the University of Toronto Advanced Planning for Students program. If you’re an Ontario resident, no application is required. You will be considered automatically for UTAPS.

Like the OSAP Aid Estimator, you can use the UTAPS Online Estimator to see if you’re eligible.

Unexpected financial difficulties?

If you run into financial difficulties in the year ahead, it’s good to know that your college registrar’s office can provide financial aid advice.

Furthermore, all the colleges can offer emergency financial help throughout the academic year.

Looking ahead . . .
All of the colleges, as well as the FAS, have awards that combine
· academic achievement + financial need
· co-curricular involvement/leadership + financial need

These awards are usually decided at the end of the academic session.