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Paying for your education

At Waterloo, we're committed to helping you make sure that lack of money doesn't get in the way of your success.

Ontario Student Access Guarantee

  • In accordance with Ontario's Student Access Guarantee, Waterloo ensures that Ontario students in need have access to the resources they require for their tuition, books, and mandatory fees.

University of Waterloo Guarantee of Undergraduate Student Financial Support

Waterloo's commitment:

  • The University guarantees to fund unmet need as defined by the Ontario Student Assistance Program (OSAP) or a student assistance program from another Canadian province.*
  • The University aspires to identify students in need and ensure that all eligible students admitted to full-time undergraduate programs have the financial assistance necessary to complete their studies.

Your commitment:

  • Students are required to seek financial support from all sources, including family, employment, loans, and government support programs.

For complete details, visit the Student Awards and Financial Aid website.

*Note: The University determines unmet need by using OSAP allowable costs minus the student's expected resources. Where other provincial jurisdictions include institutional bursaries as a resource, the University is not in a position to provide further bursary assistance to replace/repay loan overpayments.

Ontario Student Assistance Program (OSAP)

  • Government loans and bursaries for Ontario residents (as defined by OSAP) to help you finance your education.
  • Application forms are available on the OSAP website in early May.
  • Visit Waterloo's Student Awards & Financial Aid website for details on how to apply for OSAP.

Financial aid for students from outside Ontario

If you're not an Ontario resident, visit the Student Awards and Financial Aid website for links to other Canadian and U.S. loan programs.

Entrance bursaries

An entrance bursary is awarded based on financial need. The application deadline for the entrance bursary is in early April each year.

Once you're a Waterloo student, you may be eligible to receive one of the following Waterloo bursaries. You must apply for OSAP and an application form is required.

On-campus jobs

The work-study program provides on-campus part-time jobs for full-time students who need help in covering their education-related costs.

There are also hundreds of part-time jobs on campus outside of the work-study program.

Earn $37,000 to $77,000 through co-op

Co-op is not just a great way to try out career areas and gain hands-on experience, it's a great way to earn money to help pay for your education.

Waterloo co-op students earn on average $37,000 to $77,000 over the course of their work terms.

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