Provincial & Territorial Financial Aid
Provincial & Territorial Aid
If you're joining us from outside of Ontario, don't forget to check if you're eligible for financial aid from your home province or territory.
Are you an out-of-province student in need of financial aid? The good news is that you may be eligible for funding through your home province or territory, even though you’re joining us at Toronto Metropolitan University (TMU) in Ontario. Although we’re limited in how much we can support out-of-province applications, we're here to help you wherever we can. On this page, we’ve outlined the process, where to find aid and Ontario Student Assistance Program (OSAP) eligibility.
Not Ready to Repay Your Loans Yet?
Have you already received loans from your province or territory but aren't ready to start repayment yet? Visit our Maintain Interest-Free Status page to learn more about your options.
How Does TMU Help with Out-of-Province Financial Aid?
We support the administration of provincial and territorial funding outside of Ontario by:
- Completing Program Information Forms (PIF) for funding applications
- Confirming enrolment
- Facilitating the release of funding through institutional verification processes
We understand this may be tricky to navigate. If you have questions about out-of-province financial aid, you can connect with us via email at funding@torontomu.ca.
While each province and territory has its own requirements, generally speaking, you must be studying in an eligible program or certificate that’s been approved by your provincial or territorial lender. Please check your provincial and territorial student financial aid website to learn more.
Can Ontario Students Be Eligible for Out-of-Province Funding?
You may be eligible for out-of-province funding if you resided outside of Ontario 12 months prior to starting your studies at TMU, and are either a:
- Canadian citizen
- Permanent resident
- Protected person
If you receive out-of-province financial aid, you’re responsible for:
- Meeting the TMU tuition and fee payment deadlines
- Paying any outstanding balances not covered by provincial or territorial funding
- Complying with all application deadlines and requirements established by your home province or territory
Funding timelines don't override institutional tuition and fee payment deadlines.
Out-of-province student financial assistance is administered by provincial and territorial student aid authorities. The process for out-of-province funding is as follows:
- Apply for financial assistance through your home province or territory.
- Submit required institutional forms or verification requests to TMU.
- TMU completes PIFs and confirms enrolment once eligibility and enrolment requirements are met.
- Your home province or territory completes their assessment and determines your funding eligibility.
- Funding is issued by the applicable provincial or territorial authority after TMU's confirmation.
Submit Required Documents
To submit funding forms, enrolment verification requests, or other required provincial or territorial documentation, you must complete the (google form) TMU Out-of-Province Funding Request Form (external link) .
Please note:
- Requests submitted without enrolment in MyServiceHub or without required information can't be processed
- Forms shouldn't be submitted by email unless specifically requested by the Student Financial Assistance office
Exception: British Columbia Students
If you're a student applying through StudentAid BC, you’ll have your Appendix 3 or Program Information Request submitted through the StudentAid BC portal (external link) . We process StudentAid BC requests directly on the portal, and won't accept submissions via email or Google Form.
PIF requests are processed in the order they are received. The Student Financial Assistance office begins processing requests at the following times:
- Late July for requests for the upcoming fall and winter terms
- Late April for requests for spring/summer terms
Processing Delays
Processing may be delayed if:
- Required student sections of the form are incomplete
- You haven't enrolled in MyServiceHub yet for the applicable terms
All updates and correspondence about a request are communicated via your TMU email account within 7 to 10 business days of submission.
TMU completes COE requests through provincial and territorial portals.
COE requests are processed in the order that they're received. They're generally completed within the first 3 weeks of the academic term or within 2 weeks of receipt of the request (whichever is later).
Release of Funds
Following completion of a COE, funding is typically released within 10 to 15 business days. You should monitor your provincial or territorial funding portal for updates.
To verify whether funding has been issued and posted to your TMU student account, please follow the instructions to complete an Account Inquiry in MyServiceHub.
Course Load and Enrolment Requirements
You must enrol into your courses before submitting out-of-province forms to TMU’s Student Financial Assistance office. Without course enrolment, we can't complete funding-related documentation, including PIFs, enrolment verification requests or your confirmation of enrolment.
Course Enrolment Resources
- Undergraduate and Lincoln Alexander School of Law students: Visit Course Enrolment
- Chang School students: Visit MyServiceHub Support: How to Enrol (With and Without Validation)
- Graduate students: You're enrolled into your courses by your graduate studies unit. Learn more by visiting Graduate and Postdoctoral Studies: Academic Policies, Procedures & Forms
- Doctor of Medicine students: You're enrolled into your courses by the School of Medicine. Learn more by visiting MD Program Curriculum
A single billing unit is defined as 20% course enrolment. Though you may enrol into more than 100% course load, financial aid forms can't be completed beyond 100%.
Full-Time Studies
For student financial assistance purposes, full-time enrolment is defined as either:
- A minimum 60% course load (3 or more courses per term)
- A minimum 40% course load (2 or more courses per term for students with a documented permanent, prolonged or persistent disability)
Part-Time Studies
If you don't meet full-time course load requirements, you may be considered a part-time student for financial aid purposes:
- A 40% course load or lower (2 courses or less per term)
- A 20% course load or more (one or more courses per term for students with a documented permanent, prolonged or persistent disability)
Note: Course loads aren't averaged between terms. You must meet your full-time or part-time requirements for each term where funding is requested.
If you withdraw from studies during an academic term or reduce your course load, you must notify both TMU Student Financial Assistance via email at funding@torontomu.ca and your home province or territory immediately.
Changes to enrolment may affect:
- Funding eligibility for upcoming terms within the funding period
- Confirmation of enrolment
- Interest-free status or payment-free loan status
- Loan repayment obligations as determined by the funding provider
You're responsible for reviewing all policies and repayment requirements established by your provincial or territorial student aid authority.
You can apply directly through your home province or territory’s student financial assistance program via one of the following provincial or territorial sites.
You may be eligible to apply for OSAP if you meet one of the following OSAP residency requirements:
- You've always resided in Ontario
- Ontario has been your most recent province of residence for a period of at least 12 consecutive months while you haven't been enrolled in full-time post-secondary studies
If you don't meet either of these requirements, we recommend that you proceed with applying for financial aid through your home province or territory.