Advocis

Funding Options

• Government Loan

  Unavailable

  Canadian students loans and grant programs are usually offered at the provincial level, such as the Ontario Student Assistance Program (OSAP). Eligibility will depend on factors such as family income, dependents and whether you have a disability. While student loans have to be repaid with interest after graduation, grants don’t.

• Scholarships

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  Beyond offering educational funding based on merit, some schools and organizations provide scholarship opportunities to assist those who identify as women, under represented minorities (URM) and members of the military such as the Canadian Armed Forces. Scholarships may cover full or partial costs of a particular course or bootcamp.

• Payment Plan

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  Tuition and other expenses can be more manageable by paying in monthly installments, though some come with restrictions or high eligibility criteria. Ask about whether you can pay by check or direct deposit, if you’re expected to pay in full by end of term and, of course, interest rates.

• Job Guarantee

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  Schools may help students find full-time salaried positions, apprenticeships, internships or unpaid positions, and offer a tuition refund if they can’t within a set timeframe (usually within six months of graduation). Make sure to clarify terms and conditions around what you have to do, such as sending out applications or taking interviews, before committing.

• Income Share Agreements (ISAs)

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  An agreement that allows tuition to be paid through a portion of a graduate’s future income. Though ISAs usually don’t require a down payment, confirm what you’ll need to pay back each month and over what time period. ISAs may increase the cost of education over the long term versus paying upfront.