Financial Assistance, Awards and Scholarships:
Information for All Students

General Information
Bursaries -- All Degree Programs
Bursary for Aboriginal Students in the DDS or Graduate Programs
Loan Funds
Ontario Student Assistance Program (O.S.A.P.)
University of Toronto Advance Planning for Students (U.T.A.P.S.)
Bank of Nova Scotia Loans (Scotia Loans)

(Please also see the following pages for financial information regarding a particular program: Doctor of Dental Surgery, International Dentist Advanced Placement Program, or Graduate / Postgraduate.)

General Information

The University of Toronto is committed to providing financial support to students. For students who are assessed by the Ontario Student Assistance Program (OSAP) or by another Canadian provincial government financial aid program as requiring maximum assistance, and whose assessed need is not fully covered by government aid, the University will ensure that the full need is met. For every new and returning student, the University examines the OSAP (or other Canadian provincial government financial aid program) assessment in the Fall term and identifies all students who qualify for grants through the University of Toronto Advance Planning for Students (UTAPS) program. The University writes to students directly to notify them of their eligibility. For students in second-entry programs, including Dentistry, the additional assistance may be a mix of grant and loan.

Since the tuition fees for the D.D.S. program have been de-regulated by the Ontario Ministry of Education and Training, the University has arranged for different ways to assist students with financial need. Canadian citizens and permanent residents who are eligible for assistance from the federal or provincial governments may receive up to $2,000 in grants from the University to help meet financial need recognized but not fully covered by the government assistance program. Students whose financial need is unusually high may be offered additional grant assistance. In addition, the Bank of Nova Scotia has made a line of credit available to qualified students under the Scotia Professional Student Plan. The University will provide a grant to cover interest on loans borrowed under this Plan up to the level of the assessed unmet need. For further information, please contact the Student Services Office of the Faculty of Dentistry or visit the University's Student Financial Support web site.

International students are not eligible for University of Toronto or government assistance. The Faculty of Dentistry and the University of Toronto expect incoming students to be responsible for securing their own sources of funding. Therefore, we do not normally offer financial assistance to international students. Potential visa students are advised that they will be required to provide evidence that they have sufficient funds to study and live in Toronto for the length of their program. Applicants should consider coming to Toronto only if they are able to obtain the necessary funds prior to their arrival in Canada.

Scholarships and Prizes are awarded to students of high academic standing and, generally, financial need is not taken into account. In most cases application is not required.

Bursaries are awarded to students who can show a need for financial assistance and have a satisfactory academic record. Bursaries listed here are, with few exceptions, restricted to dental students.

Loan Funds are available to students who need further financial assistance and are in clear standing. The Kellogg loan fund is restricted to students in this Faculty. Application is required, and a formal loan agreement must be signed.

As the value of an endowed award is dependent on the income of a fund, it is possible that the value at time of payment may differ from the amount shown here. In the case of awards not endowed, payment will be dependent on the receipt of the annual amount from the donor.

Awards for graduate study and research will be paid in one instalment as soon as possible after the granting of the award. All other awards will be credited first against outstanding fees and the balance will be paid to the student.

To be eligible for any award, students must achieve standing satisfactory to Faculty Council in the overall work of the year. Students repeating courses are not eligible for any prizes or scholarships associated with the courses being repeated. In the case of book awards, Faculty Council reserves the right to approve the selection of the book to be presented.

There are sources of financial aid, not specifically directed to students in dentistry that are not listed here. Information about these funds may be obtained from the Student Services Office.

Bursaries -- All Degree Programs

These bursaries are awarded to students as part of a U.T.A.P.S. grant as explained on the next page. No application is required by the student.

The Dr. W. B. & Edna May Amy Bursary Fund

Through a generous bequest of the late Edna May Amy, degree students registered in the Faculty of Dentistry who are in financial need may apply for bursary assistance from this fund.

Dental Alumni Association Bursaries

(Any D.D.S. Year) Through the generosity of the Dental Alumni, two Dental Alumni Association Bursaries, each of the value of $200, are offered each year to students enrolled in any year of the course in Dentistry upon the basis of need and scholarship. The first awards were made in 1953.

Dental Alumni Association Admission Bursary Fund

(First D.D.S. Year) The Dental Alumni Association also provides $500 each year for the awarding of bursaries to students in the first year of the course. These admission bursaries were established in 1972 and first presented in session 1972/73. They replace an admission scholarship provided by the Dental Alumni Association up to 1971/72.

Dentistry Annual Fund Bursary Fund

(Any D.D.S. Year) Through the generous donations of alumni, which were then matched by the University of Toronto and the Government of Ontario, an endowment fund has been established to provide bursaries for needy students in the Faculty of Dentistry. First awards were made in 1998.

The Dr. Harry Jolley Bursary

(Any D.D.S. Year) The Dental Service Associates Volunteers of Mount Sinai Hospital have established this bursary (an annual income of approximately $500) in honour of Dr. Harry Jolley. It is awarded to a student with demonstrated financial need who has performed satisfactorily in the D.D.S program to date. Preference will be given to a student who has shown a special interest in community service. First awarded in 1988.

The Ontario Dental Association Bursaries

(Any D.D.S. Year) The Ontario Dental Association each year provides $1000 for bursaries, which are, awarded to students in any year of the course whose academic standing, is satisfactory and who have demonstrated financial need.

Toronto Alpha Omega Memorial Bursary

(Third D.D.S. Year) This bursary is given by the Toronto Alumni Chapter of The Alpha Omega Fraternity as a memorial to deceased members, and supersedes the earlier Julius J. Levine Memorial Bursary. To be eligible, a student must be registered in Third Year with satisfactory academic standing and must demonstrate financial need. The minimum value of the bursary is $200. The first award was made in 1969/70.

John Flewelling West Bursary

(Any D.D.S. Year) This gift from the estate of the late John Flewelling West, is awarded annually to the student or students in any year of the Faculty of Dentistry who demonstrate serious financial need and who are deserving of assistance. The bursary is the annual income of approximately $500. The bursary was first awarded in 1977/78.

University of Toronto Bursaries

Bursary assistance is available from a general University fund. The Faculty application form is used for assessment purposes.

Bursary for Aboriginal Students in the DDS or Graduate Programs

Gladys Watson Education Fund

To be awarded to Aboriginal students, including Status, Non-Status, Metis and Inuit students, enrolled in graduate programs at the master's or doctoral level, and second-entry programs. All Aboriginal students in these programs are eligible to apply, full-time and part-time, with preference given to those students who demonstrate financial need. Eligible students should submit a letter of application listing their estimated costs and sources of funding to First Nations House, Office of Aboriginal Student Services and Programs, 563 Spadina Avenue, Toronto, Ontario, M5S 1A1 by April 30th. Enquiries: please call (416) 978-8227 or (416) 978-7960.

Loan Funds

W. K. Kellogg Loan Fund

Because of the very generous gifts received from the W. K. Kellogg Foundation, Battle Creek, Michigan, funds were placed at the disposal of the Faculty of Dentistry for disbursement as loans to undergraduate students in dentistry to aid in defraying tuition fees and the purchase of books, supplies and equipment. Application should be made to the Secretary of the Faculty.

The University of Toronto Alumni Association Loan Fund

This fund comes from subscriptions received originally from graduates of the University and is administered by the University of Toronto Alumni Association. Loans are available to undergraduate and graduate students enrolled in a full-time course at the University, in second and subsequent years. Funds are available for emergency purposes only. Particulars may be obtained from the Secretary of the Loan Committee, Alumni House, 47 Willcocks Street, Toronto, Ontario M5S 1A1 (Telephone 416-978-2366).

Ontario Student Assistance Program (O.S.A.P.)

Full-time Students

The Ontario Student Assistance Program (O.S.A.P.) is available to Ontario residents who are Canadian citizens or permanent residents to assist with educational and living expenses. (Please note that students in self-funded programs such as the International Dentist Advanced Placement Program are not eligible for either O.S.A.P. or U.T.A.P.S.)

O.S.A.P. loans are interest-free and non-repayable while the student remains enrolled in full-time studies. The Loan Forgiveness Program provides partial forgiveness of loans at graduation for students who have incurred large debt loads.

Information concerning the eligibility and assessment criteria may be obtained from Admissions and Awards, 315 Bloor Street West, University of Toronto (416) 978-2190. Application forms are available from the Faculty and Admissions and Awards. It is recommended that returning students apply for O.S.A.P. assistance by May 31 and that new students apply by June 30.

Students from other Canadian provinces should apply through their provincial financial aid authority. Admissions and Awards can provide addresses, and in many cases, application forms.

Ontario Work-Study Plan

This program is funded by the University and the Ministry of Education and Training, and provides on-campus, part-time employment to students with financial need in second year or higher. Eligibility information and applications are available from Admissions and Awards.

Ontario Bursary for Students with Disabilities

Non-repayable assistance of up to $2000 is available for full-time and part-time O.S.A.P. recipients who have special educational expenses as a result of a disability. Information and applications are available from Admissions and Awards.

Ontario Child Care Bursary

This O.S.A.P. bursary assists married and sole-support parents with the costs of unsubsidized child care. Applicants must have qualified for O.S.A.P. and can be enrolled in either full-time or part-time studies. Information and applications are available from Admissions and Awards.

University of Toronto Advance Planning for Students (U.T.A.P.S.)

UTAPS is a program through which the University can determine the amount of need that OSAP will assess, and the amount of OSAP loan to which a student is entitled. For students whose need exceeds the maximum OSAP loan, part of the difference will be made up through a non-repayable grant. Please contact the Office of Admissions and Awards, 315 Bloor Street West, for further information.

(Please note that students in self-funded programs such as the International Dentist Advanced Placement Program are not eligible for either O.S.A.P. or U.T.A.P.S.)

Bank of Nova Scotia Loans (Scotia Loans)

The University has an agreement with Scotiabank to provide students in Dentistry with access to a line of credit at a preferred rate of interest. For students who have financial need beyond the amounts available through OSAP or other government aid and UTAPS, Scotia loans are an important source of support. Contact the Student Services Office for further information about these loans.