New Undergraduate Students Finances

Registration

You will be able to enrol in courses in early July, however, in order to become registered you have to pay at least the minimum first installment of your fees or officially defer your fees by the posted deadline. Instructions on how to pay fees or defer based on scholarship or financial aid are found on this page.

By being registered, you agree to abide by all of the Academic and Non-academic Policies, Rules and Regulations of the University and Faculty and to ensure that the accuracy of your personal information such as current mailing address and telephone number is maintained

The Minimum Payment to Register (MPR) is equivalent to 100% of Fall tuition fees (plus any arrears on your account) and is indicated on the Fees Invoice on ACORN. To be automatically registered for the Fall-Winter session, you must enrol in courses and pay at least the minimum first instalment of your fees (or officially defer them) by the posted date.

Registration Timeline

Date	Action Required	Notes
Mid-July	Fees invoice viewable on ACORN	See guide to reading your invoice.
Tues. Aug. 12, 2025	Recommended payment deadline for automatic registration	Payment or deferral submitted by this date requires no further action by the student.
Weds. Aug. 13 until Tues. Aug. 26 at 4:00pm	Payment made within these dates requires that you submit proof of payment to the Registrar's Office so that they can manually register you.	Proof of payment includes a confirmation number from the banking transaction and confirmation of amount paid.
Tues. Aug. 26, 2025 4:00pm	Registration Deadline	Students that do not have a "Registered" Status and have not submitted proof of payment by this date/time will be removed from all classes and will need to contact the Registrar’s Office to re-register for the session. Re-registration requires approval and a financial penalty and does not guarantee a spot in previously enrolled courses.

Fees & Invoices

Tuition fees are established by the Governing Council of the University of Toronto and are subject to change at any time

Annual fees for registration consist of various components including:

Academic Fees (including instruction and library)
Incidental/Ancillary Fees (including Athletics, Health Services, Student Organizations, etc.)
Ancillary Fees (program specific charges e.g. recital fee)

As a Faculty of Music student, you will pay a program fee which is a set tuition fee for the Fall-Winter academic session regardless of a student’s course load, provided the load falls within a defined range (typically 4.0-6.0 credits).

Fees vary depending on the program of study and year of admission to the Faculty of Music, as well as your legal status: Domestic (Ontario or Non-Ontario Resident) or International.

See more Fees Information

Invoices

The Academic and Incidental/Ancillary fees will be posted to your ACORN Fees Invoice for the Fall-Winter session in mid-July . Once your invoice is available you can pay in full, make partial payments, or request a fee deferral. If you do not fully pay the fees for the session at the time of registration, separate Fall and Winter term deadlines apply for any outstanding fees, and monthly service charges will apply.

How to pay fees

Students have the following options to pay fees:

on a sessional basis (both Fall and Winter together) by the Fall term payment deadline, or
by term (separate Fall and Winter term payments)

1. Make a Payment

Payments may be made through your financial institution, via a bank machine, in-bank, online, or by telephone banking. (Note: On Campus payments are not available.) Login to ACORN and click on “Financial Account” to view your invoice, which includes your student account number. For online/telephone banking, add “University of Toronto” as a payee.
Payment by credit card (Mastercard or Visa) is also available via ACORN; note that a service fee applies.

For more options and detailed instructions see Payment Options from the University Registrar’s Office.

2. Confirm Registration Status

It can typically take three to five business days for the funds to transfer from your bank to the university (expect up to 10 days for international payments). Be sure to plan enough time for this to process and monitor your account; if you have paid between August 13 and August 26 at 4:00pm send your proof of payment to registrar.music@utoronto.ca to ensure your registration is processed in time.

Check your registration status on ACORN in the “Academics” box within the Dashboard:

Registered = Your registration is complete; no further action is necessary.
Invited = You risk being removed from your courses. Check your status again in a few days to make sure your payment or deferral request was successfully received.

3. Pay any remaining balance

Once your status has been changed to “Registered”, the next step is to pay any remaining fees on account by the appropriate deadline to avoid service charges.

September 30: Payment Deadline for deferred unpaid Fall term tuition & non-tuition fees
November 30: Payment Deadline for unpaid Winter term tuition fees for all students without a fee deferral
January 31: Payment Deadline for Unpaid Winter term Tuition for Students who have a deferral
April 30: Payment deadline for Unpaid Fall and Winter term tuition & Non-tuition fees (including for those who have a scholarship/sponsorship/tuition waiver based deferral)

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In order to release your RESP funds, your provider will require verification of enrolment. They may ask for a confirmation of enrolment letter, or they may have a form that needs the registrar’s signature. If your RESP providers asks you to submit a form, please email it to reception.music@utoronto.ca and ensure that you have first signed and filled out all of the necessary fields regarding your account.
Alternatively, you may request a confirmation of enrolment letter from the Registrar’s Office to be sent directly to your RESP provider. If you would like this letter to be sent elsewhere, please note that there may be a fee for this service.
When requesting verification, please note:
- Only requests submitted directly by the student will be accepted
- Include your U of T student number
- Forms and letter requests will not be accepted until after the first round of enrolment has begun
- The Registrar’s Office will begin to send out verification to RESP providers at the end of July
- Please send all verification of enrolment requests to reception.music@utoronto.ca
If payment of your fees is made by Staff/Dependent Waiver, you must pay your non-academic incidental fees at a bank, then submit proof of payment and a copy of the Staff or Dependent Tuition Waiver Request form approved by the Human Resources Department to the Student Accounts Office, 215 Huron St., Toronto, ON, M5S 1A2.
For further information, contact the U of T Human Resources (416) 978-2015.
Recognized University obligations include:
- tuition fees
- academic and other incidental fees
- residence fees and other residence charges
- library fines
- bookstore accounts
- loans made by colleges, faculties or the University
- Health Service accounts
- unreturned or damaged instruments, musical scores, materials and equipment
- orders for the restitution of property or for the payment of damages and fines imposed under the authority of a divisional discipline policy.
The following sanctions are imposed on Faculty of Music students:
- Official transcripts of record will not be issued.
- The University will not release the diploma nor provide oral confirmations or written certification of degree status to external enquirers. Indebted graduands will be allowed to walk on stage and have their names appear on the convocation program but will not receive their diploma until their account is paid.
- Registration will be refused to continuing or returning students
- Official letters (e.g. degree eligibility, confirmation of graduation, QECO) will not be issued.
Library Fines and Miscellaneous Fees

How to request a Fee Deferral

A tuition deferral is an arrangement where you can delay payment of your tuition fees to a later date, allowing you to complete your registration without an immediate payment.

By deferring your fees, you are agreeing to the following conditions:

All outstanding tuition fees have been paid. Your deferral is not valid if you owe tuition fees from a previous session.
If you do not receive the financial assistance you were expecting, you are still responsible for paying your fees.

If you are expecting to receive OSAP (Ontario Student Assistance Program) or another provincial/ territorial government loan and are unable to pay the first instalment of fees with your own funds, a deferral is the opportunity to officially postpone the fee payment until your funds arrive. To be eligible to defer by OSAP, apply by the recommended deadline (June 30 for fall/winter session; March 31 for summer session).
Defer Fees through ACORN
To defer fees on ACORN visit the Finance menu, select “Tuition Fee Deferral” and follow the directions. After completing the online deferral, you should check your status to ensure your status is changed to ‘Registered’.
Defer Fees through the Registrar's Office
Provide the Registrar’s Office with confirmation that you have been approved for OSAP or other government loan funding. If you have applied but have not yet received confirmation, you must go to University Admissions & Outreach (172 St. George Street) to request a deferral before the registration deadline.
If you are receiving a scholarship from the Faculty of Music/University of Toronto, or an external establishment that is required to go towards your fees, your fee payment may be deferred. To do so, you must notify the Registrar’s Office of your intent to defer.
To request to defer your payment based on scholarship, submit the Scholarship Deferral Form (which will be provided in your detailed scholarship notification in July) by the recommended registration deadline. If you are required to pay the difference between the scholarship(s) and the minimum payment, the form will prompt you to include a proof of payment. Note that you must be logged in with your UTORid to access the form.
Important Notes:
- The scholarship will be applied to your account after you have registered.
- If the scholarship does not cover the minimum payment to register, you must pay the difference before requesting a deferral.
- Even if your scholarship covers or exceeds the minimum payment to register you must still request a deferral to ensure your registration is confirmed.

Financial Aid & Scholarship

The University of Toronto’s policy on Student Financial Support states that “No student offered admission to a program at the University of Toronto should be unable to enter or complete the program due to lack of financial means.” This policy applies only to Canadian citizens, permanent residents and protected persons.

Financial support programs of the University of Toronto are designed to guarantee that each student has access to the resources necessary to meet their needs. Financial need will be assessed based on provincial/territorial funding entitlement.

In order to have their financial needs determined, students should apply for government student assistance. Students are expected to rely on OSAP assistance, up to the level of the maximum entitlement. Assessed need that remains unmet above the OSAP maximum will be met by the University as a UTAPS grant.

Out-of-province students are expected to rely on government support from their home province.

Unmet need above the provincial/territorial support will be met by a UTAPS grant from the University.

Many awards at the Faculty of Music and University of Toronto have Ontario residency and financial need as criteria, in addition to academic/artistic merit. Financial need is determined from your OSAP entitlement. Students are therefore encouraged to apply to OSAP in order to possibly make themselves eligible for these awards.

OSAP (Ontario Student Assistance Program)

This government financial aid program assists eligible Ontario Residences attending post-secondary studies through a combination of loans and grants.

The amount of money you may be eligible for depends on your educational expense, course load and personal financial situation.

Timelines:

OSAP applications usually become available in April at www.osap.gov.on.ca.
New students are encouraged to apply before the end of June.
Within 4-6 weeks of applying and submitting all required documentation, students are advised of their eligible funding for the academic year.
Funds are released directly to the University in two different instalments: 60% of the entitlement in September and 40% in January.

Financial Aid for students from other provinces or territories

Students from other provinces or territories are advised to apply to their government’s financial aid program by the appropriate deadlines.

Scholarships & Awards

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These are awarded on the basis of your entrance audition and academic achievement, on admission. Students normally receive notification of scholarship(s) with the offer of admission or shortly thereafter.
Timeline:
- Scholarship recipients can expect to receive an official letter detailing their scholarship in July/August.
- University issued scholarships are typically applied to student accounts in late September/early October. Students should check on ACORN at this time to confirm all funds have been applied appropriately.
The Faculty of Music awards a significant number of scholarships to returning students. Students are notified in late-June regarding any scholarships that they are eligible to receive for the upcoming academic year. In-Course scholarships do not require applications and are based on a combination of academic and/or musical achievement, depending on the specific award. A comprehensive list of the scholarships is available in the Academic Calendar.

The scholarships are credited to a student’s ACORN account in early October. It will first be applied to your outstanding tuition fees to help you pay down your outstanding balance. If the value of your scholarship is greater than your outstanding balance, the remaining credit will be refunded to you via direct deposit if you have opted-in to this option on ACORN.
Faculty of Music awards that require an application are listed in the Academic Calendar. The Registrar’s Office will advise students of deadlines and other opportunities through the email listserv.
Summer Study Awards:
Various awards are dedicated to promote the participation of students in various summer programs. These awards provide financial assistance to students who want to continue their study of music during the summer months by participating in various summer programs, private study, or internships both within Canada and internationally. Students are encouraged to take advantage of these opportunities to enhance their artistic growth!
Applications become available on February 1 on the Registrar’s SharePoint site and are due May 1.
Black and/or Indigenous Awards:
Awards of varying value are available by application to students who self-identify as Black and/or Indigenous. Details are on the Registrar’s SharePoint site; the deadline to apply is
early November.

U of T’s Award Explorer tool
This tool can also help students explore the diverse U of T funding opportunities that recognize student achievements and financially support their studies

Other Sources of Funding

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UTAPS stands for the University of Toronto Advanced Planning for Students program. It is the University of Toronto’s largest need-based support program and covers the financial gap between a student’s actual education costs and the costs recognized by their provincial/territorial government student financial aid program. In other words, UTAPS covers unmet financial need.
Through UTAPS, U of T provides non-repayable grants to students to help cover this financial need gap, or unmet need. All students must apply to be considered for UTAPS through the Need Navigator, along with appropriate supporting documentation by the deadline. Refer to UTAPS - University Registrar's Office for details.
Bursaries, also known as grants, are funds given to students that do not need to be repaid. They are aimed at helping students who have exhausted other financial options and are facing financial challenges or sudden changes in their financial circumstances. Bursaries are meant to cover small, unexpected income gaps rather than be a primary financial resource.
Students are considered for bursaries on the basis of financial need and must apply for OSAP/their provincial/territorial assistance program first. Ontario Students: if you have requested to receive only the grant funding from OSAP, an application for a bursary will not be considered.
Timelines:
The Faculty of Music offers two rounds of bursary applications
- Fall applications are due by November 1;
- Winter applications are due by February 1.
The Faculty of Music provides supplementary support to undergraduate students for expenses related to collaborative pianists (accompanists, coaches). Students in any undergraduate program and year of study are eligible to apply. The funding can be used to support the use of pianists in any curricular activity (e.g., applied lessons, juries, recitals, performance classes). Students may receive up to a maximum of $400 in support per year.

There are two rounds of applications administered by the Performance Office: fall applications are due November 1; winter applications are due February 1. Students will be notified when applications become available online.
Work Study Program
The University of Toronto Work Study program offers an opportunity for students to gain meaningful work experience by working part-time on campus. In most cases, the job offers more than the financial benefits by providing practical experience related to the student’s program of study. The Work Study program is open to both full-time and part-time undergraduate students (i.e. domestic and international students),and graduate students.

Students do not need to be OSAP eligible to apply for Work Study.
Timelines:
- The fall-winter Work Study run from September through March
- The fall-winter jobs will be posted on the Career Exploration & Education website in early August.
- Summer work-study opportunities are available for students registered in the summer sessions (May-August)
Other Opportunities
Looking for employment outside of the work study program? Check out Career Exploration & Education for resources and and services for both on-campus and off-campus opportunities.
Opportunities within the Faculty of Music include: Ensemble Manager, Student Ambassador, House Manager, Usher, Instrument Room Assistant, and Library Assistant.

Financial Tools & Resources

Let's Talk Money is a platform that aims to give you the tools and learnings to better understand your financial situation while at the University of Toronto. Explore these topics to help you manage your money and gain financial literacy:

Budgeting, Credit, Awards, Expenses, Work, Debt Management, Ways to Save, Taxes, and More!

Let's Talk Money

To get a better idea of how much money you will need to cover tuition and fees, housing costs, food and everything else for the upcoming academic year, use our financial planning calculator to budget your costs. This is only a rough estimate on the cost of university, but should give you an idea about how much to budget.

Financial Planning Calculator

Understanding your tuition and fees is an important part of planning your university journey. On the University Registrar's Office (URO) Fees & Payments site you will find everything you need to know about how fees are calculated, payment options, key deadlines, and more.

Fees and Payments

We’re here to support you in financing your education. From UTAPS to scholarships and bursaries, explore the financial resources available through to help cover your costs.

Financial Aid & Awards

New Undergraduate Students Finances

Registration

Registration Timeline

Fees & Invoices

Invoices

How to pay fees

1. Make a Payment

2. Confirm Registration Status

3. Pay any remaining balance

Claiming your RESP Funds

Pay with Dependent Tuition Waiver

Sanctions on Account of Outstanding Obligations

How to request a Fee Deferral

Defer by OSAP or other government financial aid

Defer by Scholarship or Billing to a third party

Financial Aid & Scholarship

OSAP (Ontario Student Assistance Program)

Timelines:

Financial Aid for students from other provinces or territories

Scholarships & Awards

Entrance Scholarships

In-Course Scholarship

Awards by Application

Other Sources of Funding

UTAPS University of Toronto Advanced Planning for Students

Bursaries

Collaborative Pianist Grant

Jobs on Campus

Financial Tools & Resources