Fees & OSAP

Arts & Science Co-op Fees for 2019 - 2020

1st Year
(per term)
2nd Year
(per term)


2 work term programs $473 $630 $3,784
3 work term programs $586 $781 $4,688


1st Year
(per term)
2nd Year
(per term)
2 work term programs $665 $886 $5,320
3 work term programs $778 $1,037 $6,224

Note: You are billed for each semester that you are either enrolled in any academic courses or on work term. If you are not taking courses or on work term then you will not be required to pay co-op fees. You will see an initial fee assessed, but this will be reversed.

2-work term programs include:

  • Humanities & Social Sciences
  • French
  • Life Sciences
  • Psychological & Health Sciences

3-work term programs include: 

  • Computer Science
  • Mathematics
  • Statistics
  • Physical & Environmental Sciences

Fees for Additional Work Terms

2-work term programs:  Adding a 3rd work term to the sequence will result in an additional charge which is equivalent to the regular fee for a 2-work term program

Both 2 and 3-work term programs:  Any additional work term beyond three is assessed at the regular fee for 3-work term programs.

What's the fee for?

These co-op fees are used to offset the costs of running the program and help us offer you services that are key to your success, including:

  • Advising and preparing you for your co-op work terms through classes, networking events, mock interviews, and more
  • One-on-one office hours for assistance during your job searches with our Work Term Engagement Coordinators
  • Building relationships with reputable employers who post new and recurring positions with the program
  • Monitoring the quality and suitability of the jobs that come through our office, as well as conducting work site visits while you’re on the job

OSAP Applications

It's recommended that you apply early for OSAP. Please refer to the campus Financial Aid resources for the most up-to-date information and deadlines:  https://www.utsc.utoronto.ca/registrar/finances

I am a ... Application Deadline
First year student, or new to U of T June 30
Continuing student May 31

OSAP applications for the new academic year are available in mid to late April. Apply for OSAP now »

OSAP Eligibility for Co-op Students

During study terms

You’re eligible for OSAP during semesters that you’re registered as a full-time student and are attending classes.

During work terms

When you’re planning to go on a work term, you must apply for the correct number of weeks of funding. This is an important step; you’ll want to avoid overpayment caused by receiving funding during an incorrect study period.

Here are some examples of study / work term combinations

Scenario 1: Fall study session, winter work term

Yohan will be a full-time student attending classes on campus during the fall term and will be on work term in the winter term.

  • Yohan will apply for OSAP for the fall term only (approximately 17 weeks).
  • To keep the loans in good standing while not in classes, Yohan will complete a Continuation of Interest-Free Status (CIFS) form at the beginning of the winter session.

Scenario 2: Fall work term, winter study session

Andrew will be on a work term during the fall term and will return to full-time studies for the winter term.

  • At the beginning of the fall session, Andrew will complete a Continuation of Interest Free Status (CIFS) form to keep his loans in good standing while not enrolled in classes.
  • Andrew will apply for OSAP for the winter session only (January to April; approximately 17 weeks).

Scenario 3: Fall and winter study sessions
Jane will be a full-time student enrolled in classes during both fall and winter terms.

  • Jane will apply for OSAP for a full academic year: approximately 34 weeks.

If you don’t go on a co-op work term as planned, you can amend your OSAP application but it’s critical that you let the Financial Aid & Awards Office know about your plans. They can help to steer you in the right direction and keep you in good financial standing as you cycle from work term to study term and back again. 

If you need any additional support, you can book an appointment with a financial aid counselor through eService.

Maintaining interest-free status while on work term

OSAP is interest-free as long as you are a full-time student, which is considered to be a 60% course load (or 40% course load for students with a permanent disability). This means that as long as someone is enrolled full time, their loan won’t go into repayment mode and their interest won’t begin to accumulate.

As a co-op student, U of T considers you to be in full-time attendance while out on your work term; therefore, you’re entitled to continue interest-free. But you have to let the lender, the National Student Loans Service, know that you’re still a student.

To do this, simply complete a Continuation of Interest-Free Status (or CFIS) form by the deadline.



Questions about your student account or payment of fees should be directed to:

Student Accounts
Phone: 416-978-2142
Email: info.studentaccount@utoronto.ca