1. Financing Your Education St. Theresa Of Lisieux Guidance Department Updated: January, 2015

2. Your Education is one of the Largest Investments You Will Make

3. University tuition fees for full-time students, Physical and Life Science and Technology Programs in Canada Physical and Life Science and Technology Programs in Canada Province 2014-15 Undergraduate Tuition (per academic year) Newfoundland and Labrador$2,631 Prince Edward Island$5,857 Nova Scotia$6,440 New Brunswick$6,324 Quebec $2,743 Ontario Manitoba $3,887 Saskatchewan$6,659 Alberta$5,730 British Columbia$5,118 Source: Statistics Canada, Sept. 2014 $7,539

4. Tuition Differs By Faculty Law School (1 st Year)$18,075 Medicine (1 st Year)$24,650 As of 2014-15 Faculty of Arts and Science$7,065 Commerce$16,784 Education$5,625 Nursing$7,117

5. Besides Tuition Fees…. You need somewhere to eat and live! Single Room and Meal Plan $12,737 Double Room and Meal Plan $12,802 Triple Room and Meal Plan $11,937 ** taken from Queen’s University 2014-2015, for Undergraduate Students

6. How to Pay for All These Costs Personal Savings (RESP) Family Support (Savings Bonds, Personal savings accounts, GIC’s) Student Loans (Ontario Student Assistance Program) Scholarships/Bursaries Personal Loans

7. Program objective: to assist eligible students who do not have the resources to meet the costs of postsecondary education. The intention is to promote equality of opportunity for postsecondary studies by providing financial assistance for educational costs and basic living expenses.

8. Applying for OSAP There are two methods to apply: Paper application: 39 pages, available for download online. Or Online application

9. OSAP Deadlines As long as you apply for OSAP within the first 45 days of starting classes, you may still receive funding for the ENTIRE study period. If you apply when there is less than 60 days left in the study period, you will not be eligible for any funding.

10. Canada Access Grants for Students from Low-Income Families Family Net Income Ceilings (2014 Loan Year) Canada Access Grants for Students from Low-Income Families (3) Number of dependent children that parents have (including applicant) 123 $36,555$44,381 $50,337 Parent’s Net Income By Completing an OSAP application, you will automatically be considered to receive the Canada Access Grant

11. Scholarships and Bursaries a sum of money or other aid granted to a student, because of merit, need, etc., to pursue his or her studies in education. recipients may be determined by: Academics, extra-curricular activities, community involvement, leadership experience, physical disabilities, ethnic origins, religious affiliations, program of study, essay submission, p/t employment

12. Scholarship Applications Some scholarships require a completed application form, essay, reference letter, resume, and/or transcript. Some scholarships do not require an application. For example, admission scholarships are generally guaranteed for all applicants with an average >85% (or less). Some scholarships require Nomination by school principal (1 – 3 candidates per school) –Examples: U of T National Scholarship Program, Queen’s University Chancellor Scholarship, or Loran Scholarship.

13. Admission Scholarships Awarded based on your final grade 12 average using your best SIX U or M marks Normally averages are rounded down. For example, if your average is 83.8%, for scholarship purposes it will be 83%

14. University Cut-off for Admission Scholarships Ryerson University –80 – 84.9%$500 x 4 yrs = $2,000 –85% - 89.9%$1000 x 4 yrs = $4,000 –90% - 94.9%$2000 x 4 yrs = $8,000 –95% +$4000 x 4 yrs = $16,000

15. University Cut-off for Admission Scholarships York University –80% -84.9%$1,000 –85% - 89.9%$1,500 –90% -94.9%$2,500 –95% +$3,500/year = $14,000

16. University Cut-off for Admission Scholarships Western University –88% - 89.9%$1,000 –90% - 94.9%$2,000 –95% +$2,500/year = $10,000

17. University Cut-off for Admission Scholarships U of Toronto – Mississauga vs Scarborough –88 – 89.9%$1,000$1,000 –90% - 91.9%$1,500$1,500 –92% - 94.9%$2,000$2,000 –95% +$3,000$3,000* (renewable)

18. As with all OFFERS of Admission or Scholarships Conditional on FINAL MARKS

19. Guidance Office: White E-INFO binder, Bulletin Board in guidance office Guidance Webpage – –‘Financing Your Education’ –Scholarship Chart (updated regularly) Parent’s Workplace, Church, student (part/time) employers University/College websites Internet sites: Electronic Info,

20. Another Website Worth a Visit Education Savings Finding Post Secondary Programs/Career Planning Student Loans, Grants, & Scholarships After Post Secondary Education Continuing Education, Lifelong Learning

21. Miscellaneous Research, Research, Research!!! Apply, Apply, Apply!!! Proof-read applications/materials Meet deadlines Choose referees (teachers, coaches, employers) who know YOU well Give references plenty of time to complete their piece. Provide them with a print-out about you. Start a collection of portfolio and reference now!