Tuition Fee Payments and Deferrals

Understanding Your Fees

Fees are determined by the number of credits you take and by the program you are enrolled in. You are responsible for paying your fees in full, whether or not you attend classes. It's important that you drop any courses that you no longer wish to take by the academic or financial deadline to have them removed from your transcript and/or invoice accordingly.

Some programs are deregulated, meaning they have higher fees and a different fee structure. Refer to the Fees for Deregulated Programs section of the Program Selection Guide for details. It is important to be aware of the fee structure before adding a deregulated program. 

Compulsory Fees

Compulsory ancillary fees are also paid by all students for incidentals and ancillary services.

International Fees

International students are charged higher tuition fees than domestic students.  Determine whether you may be eligible for an international fee exemption.

Additional fees and resources:

Your Invoice

Your invoice on ACORN will provide you with a detailed breakdown of your owing balance. To access it, click "View Invoice" from the Finances box on your dashboard.

Your personal account number is a mix of the first 5 characters of your last name, and your student number. It can be found on the upper right hand corner of your invoice. See the image below for an example. Be sure to distinguish between a zero and the letter "O". 

You will need your owing balance and your account number to make your payment.

ACORN Invoice Sample

Payment Options 

There are different options available to make it convenient for you to pay your tuition fees through your bank or financial institution. Students receiving financial aid or scholarship may request a fee deferral in order to register.

Select the payment option of your choice: 

Payments Made Within Canada

Internet, Telephone, or ATM

  • Set up a new bill and register the University of Toronto as a payee. 
  • Enter your personal account number.

In Person at Your Bank

  • Print a copy of your invoice directly from ACORN using your Internet browser settings. Most banks accept printed copies.

Credit Card Payments on ACORN

Once your tuition fee invoice is posted with your upcoming balance, you will be able to make your payment using a credit card. 

  1. Login to ACORN to view your fees. 
  2. Under the Finances menu, select "Make a Payment" using the credit card option.
  3. View the online tutorial if needed.


  • It takes 2-3 business days for your payment to be processed successfully. Only one credit card fee payment can be processed at a time.You will not be able to make a credit card fee payment while another credit card payment is awaiting final confirmation.
  • A non-refundable fee calculated at 2.25% of your payments is charged by Moneris.
  • Non-Canadian dollar denominated credit card fee payments will be subject to foreign exchange rates and fees determined by your credit card company.

HigherEd Points 

  • Convert Aeroplan Miles and TD Travel Rewards Program points into $250 worth of credits that you can use toward your fees.
  • You will need the HigherEd Points member number and your student account number listed on your invoice.
  • Visit for more information. 

Payment made outside of Canada

Western Union GlobalPay

WU GlobalPay for Students allows you to pay for tuition at your local bank at a competitive exchange rate with no transaction charges from either WU or U of T. Using your student name and account number, pay your tuition fees using your preferred currency to pay the equivalent Canadian dollar amount.

Please follow the 5 steps listed on the University of Toronto Student Accounts website.

Please allow 2-3 business days for your payment to process. An update will be noted on your ACORN Payment Report.

After You Make a Payment

  1. Keep a receipt or proof of payment until it is credited to your ACORN account. Screenshots are acceptable if you made a payment online.
  2. Please allow 3-5 business days for your payment to process, and up to 14 business days for payments made outside of Canada.
  3. Check your ACORN account to ensure your payment has been credited. You will also see that your registration status is "registered" instead of "invited". 

Fee Deferrals

A fee deferral is an arrangement made between the student and the university to pay fees after normal deadlines. Students who qualify for a fee deferral do so with the understanding that they are responsible for making their payment once their student aid funding arrives.


  • Apply and qualify for government-funded student aid (OSAP or equivalent as recognized by your province) 

Request a Fee Deferral Online

  1. Login to ACORN
  2. Select "Tuition Fee Deferral" under the Finances menu

You will know immediately if your fee deferral request is successful. You will receive a confirmation message, and your registration status will change from invited to registered.

Scholarship Recipients

  • If your scholarship/award covers your minimum required payment, and you do not have outstanding fees, submit your Fee Deferral request online. A copy of your scholarship offer must be uploaded with your request.

Can't defer your fees on ACORN? 
Reasons why a fee deferral may not be working for you:

  1. You just submitted your OSAP application, or other financial aid. 
    • Solution: Wait two business days, and try again online between now and up to two business days before the deadline.
  2. Your student number is missing or is incorrect on your OSAP application.
  3. You have outstanding fees from a previous session.
    • Solution: pay your outstanding fees as soon as possible. Remember, it can take up to 3 business days for your payment to process, and be credited to your account. Once your outstanding balance has been paid, you may defer your fees online.
    • If you're experiencing financial difficulties, please meet with a Financial Aid Advisor as soon as possible.

Outstanding Fees

Fees that remain unpaid by the published deadlines will incur a monthly service charge of 1.5% compounded (19.56% per annum).