Ontario Students

Ontario students seeking financial aid can consult the Ontario Student Assistance Program (OSAP).

OSAP, which is run by the Ministry of Advanced Education & Skills Development, and funded by the provincial and federal governments, is a needs-based program. That means it provides loans and grants based on a formula that compares educational costs to expected contributions from a student’s parents or spouse (if applicable) as well as their own income and assets. OSAP provides eligible Ontario students with financial assistance to help pay for tuition, books, mandatory fees, living costs and transportation.

Canadian Citizens, Permanent Residents or Protected Persons who meet Ontario’s residency requirements and are planning to enroll in an approved undergraduate, Divinity College, graduate, MBA or Medicine program in at least 60% of a full course load (per term) are eligible to apply for OSAP. Students with permanent disabilities who meet the above criteria are eligible to apply if they are planning to enroll in an approved program in at least 40% of a full course load (per term).

We strongly recommend that students apply for OSAP as soon as the online application becomes available at ontario.ca/osap. It generally takes 4-6 weeks for OSAP applications to be processed.

Students should apply by June 30 to ensure they receive their funding by McMaster’s fee payment deadline in September.

OSAP applications are done for one academic year or on a term-by-term basis. A student’s OSAP entitlement is the amount of funding available to a student as calculated by the Ministry using the information provided on the application. Applications may be reassessed, and the amount of a student’s loan may change if their circumstances change. In addition, the income information provided will be verified with information reported to the Canada Revenue Agency.

Students from other Canadian provinces/U.S.

Domestic students who live outside Ontario can refer to the CanLearn website for further instructions on applying for financial aid within their home province. More information for students from priovinces outside Ontario, as well as those who live in the United States, is available on McMaster’s Financial Aid & Scholarships website.

International Students

International students who do not attend high school in Canada are not eligible for the McMaster Honour Awards for first-year students. However, there are some entrance awards for international students, which are automatically assessed, so no application is required. These International Awards are dispersed in the fall to the international students with the highest admission averages.