Tuition Fee Payments and Deferrals

Understanding Your Fees

How Fees are Calculated

Your tuition fees are determined by:

  • the number of credits you take
  • the type of program you are enrolled in
  • your status as a domestic or international student. Some international students may be eligible to pay domestic fees, and must apply for an international fee exemption status in order to see an update to their invoice.

All students will also see compulsory ancillary and incidental fees on their invoice. These rates may vary based on your full-time or part-time status. For more information, including a detailed explanation of your fees, please visit the Student Accounts website.

It's important to note that by enrolling into a course/program, you assume responsibility for paying your fees in full, whether or not you attend classes. It is important to drop a course that you no longer wish to take by the appropriate deadline to remove it from your transcript and/or invoice.

Deregulated Program Fees

For certain programs, the fees are calculated at a deregulated rate which means that they have higher fees and are assessed at a different fee structure. Students in deregulated programs also have a different refund structure. For a list of UTM programs that are deregulated, please refer to the List of UTM Programs. To learn more about fees for deregulated programs, including back-charges and refunds, refer to the Program Selection Guide. It is important to be aware of the fee structure before you accept an invitation to join a deregulated program.

Additional fees and resources:

Your Invoice

After you enrol in courses, your outstanding balance will be visible on your ACORN dashboard. To view a detailed breakdown of your fees, click the View Invoice button.

Account Number

To make a payment, you will need to locate your personal account number.

On the upper right hand corner of your invoice, you will see that it is a combination of the first 5 characters of your last name, and your student number. 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


Your Minimum Payment to Register

Your minimum payment to register can be located on the very bottom of your invoice.
Here is an example:

Find the minimum payment to register amount on the bottom of your ACORN invoice.

This amount is equal to the cost of one term. To calculate this, you can also add up the sub-totals listed on the right side of your ACORN invoice:

Example of an ACORN invoice for the Fall term. Add up the sub-totals listed on the right side to calculate the cost of one term.

The example above is for illustrative purposes only. Please refer to your personal ACORN invoice for your minimum payment to register amount.

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.

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.

Note:

  • 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 www.higheredpoints.com 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.

Eligibility

  • 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.

Can't defer your fees on ACORN? 

Reasons why a fee deferral may not be working for you:

Reason Recommendation
You just submitted your financial aid application
(OSAP or other funding)
Wait two business days, and try again up until two days before the deadline.
Your student number is missing or is incorrect on your OSAP application Login to your OSAP account and double check that your student number is entered correctly. A missing digit will prevent you from requsting a fee deferral on ACORN.
You have outstanding fees from a previous session Pay your outstanding fees immediately. You can request a fee deferral once the payment has been credited to your ACORN account (remember that it can take up to 3 business days for your payment to process).

If you are experiencing financial difficulties, please meet with a Financial Aid Advisor as soon as possible.

If you are still unable to defer your fees on ACORN after following the recommendations above, submit a request for a manual deferral using the Fee Deferral Form.

Fee Deferral - Scholarship Recipients

If you are receiving a scholarship, you are eligible to request a fee deferral by following the instructions below:

  1. Login to AskRegistrar and click on "Connect with Us"
  2. Select a category: Finances
  3. Specify the topic: Fee Deferral / Proof of Payment
  4. Subject Line: Fee Deferral (Scholarship)
  5. Comment: Copy and Paste the following terms and conditions:

I am requesting a tuition fee deferral on the basis of my scholarship(s). I agree with the following terms/conditions/obligations:

- I am responsible for paying for fees on my ACORN invoice that are not covered by the award funding issued by the University of Toronto. Fees are due when billed.

- Full payment of Fall-Winter session Tuition & Residence fees is due by at the latest of April 30th, 2022. In the case of unpaid Fall-Winter session fees, unless notified otherwise, the monthly service charges (at a rate of 1.5% compounded monthly, e.g. 19.56% per annum) are billed to the student starting May 15th, 2022, and are billed on the 15th of every month thereafter until full payment has been made or the unpaid account has been transferred to an external collections agency.

- If I do not make the full payment of the Fall-Winter session fees by April 30th, 2022, I will NOT be eligible to register for the 2022 Summer session or subsequent sessions.

- If my award funding is cancelled due to not meeting the award conditions, I am responsible for paying my fees, and must begin to do so as soon as I receive notification of cancellation.

- A student is considered to be registered as soon as they have paid their tuition and incidental fees, or have made appropriate arrangements to register without payment of the minimum required payment (tuition fee deferral: Students who defer fee payment acknowledge that they continue to be responsible for payment of all charges, including any service charges that may be assessed). By virtue of being registered, a student thereby agrees to abide by all of the academic and non-academic policies, rules and regulations of the University and their academic division, as set out in the divisional calendar, and to ensure that the accuracy of personal information such as the current mailing address, telephone number, and utoronto.ca email address is maintained.

Outstanding Fees

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