U.S. Loan & Benefits Payments

Enrolment Services administers U.S. Loan & Benefits programs   

  • William D. Ford Direct Loan program
  • Alternative/Private loan program such as Sallie Mae
  • Veteran Affairs Benefits program

Enrolment Services office is located at 172 St. George Street (west side, north of Bloor Street).

  • Drop-in hours: (no appointment necessary) Monday, Wednesday, Thursday and Friday: 9:30 a.m. to 4:30 p.m. Tuesday: 1:00 p.m. to 6:00 p.m.
  • Telephone Inquiries (416-978-2190):  Monday, Wednesday, Thursday and Friday: 9:30 a.m. to 4:30 p.m. Tuesday: 1:00 p.m. to 4:30 p.m.
  • Fax: 416-978-7022
  • Email: financialaid@utoronto.ca
  • You are eligible for a tuition fee deferral (register without payment) if all of the conditions are satisfied:

    1. you have paid for prior session fees
    2. you have a confirmed U.S. Loan or Benefits assessment of an amount greater than $0 for the current session
    3. you applied for a tuition fee deferral prior to your division’s Fall-Winter session Pay or Defer to Register deadline or Summer session Pay or Defer to Register deadline.

    Request online deferral by logging into ACORN.

    • Click on the OSAP/Gov’t Deferral button on the ‘Financial Accounts’ section on the ACORN. You will know immediately if your tuition fee deferral application is successful or not and the application will be noted in your activity log.
    • If your tuition fee deferral request is successful, ACORN will change your registration status from “Invited to Register” to “Registered”. Report registration status issues to your college or faculty registrar’s office.
    • If you encounter a problem with the online deferral function on ACORN, you can contact Enrolment Services at usa.financialaid@utoronto.ca.

    If you did not pay or defer prior to your division’s Fall-Winter session Pay or Defer to Register deadline or Summer session Pay or Defer to Register deadline and you are eligible for a U.S. Loan & Benefits deferral, immediately request a manual deferral at Enrolment Services.

  • Fall-Winter Session Payment Schedule

    You registered for the Fall-Winter session by paying the Minimum Required Payment amount displayed on your ACORN invoice.

    Check your ACORN invoice before the end of September, the end of January and/or the end of April to determine if you need to make a fee payment.

    Fall-Winter Payment Schedule for with No Deferral
    September 30, 2020 Deadline to pay for Fall term Tuition & Non-Tuition fee amounts
    October 15, 2020 First monthly service charge billing date for unpaid Fall term Tuition & Non-Tuition fee amounts
    November 30, 2020 Deadline to pay for Winter term Tuition & Non-Tuition fee amounts
    December 15, 2020 First monthly service charge billing date for unpaid Winter term Tuition & Non-Tuition fee amounts
    April 30, 2021 Final deadline for full payment of Fall-Winter session Tuition & Non-Tuition fees to avoid the recording of an ACORN financial hold on May 1, 2021, and ineligibility to register for future session(s).

    Summer Session Payment Schedule

    You registered for the Summer session by paying the Minimum Required Payment amount displayed on your ACORN invoice.

    Check your ACORN invoice before the end of May, and the end of August to determine if you need to make a fee payment.

    Summer Payment Schedule for Students with No Deferral
    May 31, 2021 Deadline to pay for Summer Session Tuition & Non-Tuition fee amounts
    June 15, 2021 First monthly service charge billing date for unpaid Summer session Tuition & Non-Tuition fee amounts
    August 31, 2021 Final deadline for full payment of Summer session Tuition & Non-Tuition fees to avoid the recording of an ACORN financial hold on September 1, 2021, and ineligibility to register for future session(s). * Some divisions may require an earlier deadline to pay Summer session fees to register for Fall-Winter session.
  • If you are unable to get a tuition deferral (register without payment) then to register for the current session, you must make the minimum required payment displayed on your ACORN invoice before your division’s Fall-Winter Pay or Defer to Register deadline or Summer Pay or Defer to Register deadline:

    • 50% of Summer session tuition fees and unpaid prior session fees to register for the Summer session
    • Fall term tuition fees and unpaid prior session fees to register for the Fall-Winter session
    • The Minimum Required Payment to Register amount is $294.00 for students who are billed course fees and who only have waitlisted course(s) during the registration period

    When your payment has been recorded on your ACORN invoice, your registration status for the current session will change from Invited to Registered.  If you do not make the minimum required payment displayed on your ACORN invoice, your registration for the session will be financially cancelled, and your course enrolments will be cancelled.

  • Fall-Winter Session Payment Schedule

    You registered for the Fall-Winter session by paying the Minimum Required Payment amount displayed on your ACORN invoice.

    Check your ACORN invoice before the end of September, the end of January and/or the end of April to determine if you need to make a fee payment.

    Fall-Winter Payment Schedule for with No Deferral
    September 30, 2020 Deadline to pay for Fall term Tuition & Non-Tuition fee amounts
    October 15, 2020 First monthly service charge billing date for unpaid Fall term Tuition & Non-Tuition fee amounts
    November 30, 2020 Deadline to pay for Winter term Tuition & Non-Tuition fee amounts
    December 15, 2020 First monthly service charge billing date for unpaid Winter term Tuition & Non-Tuition fee amounts
    April 30, 2021 Final deadline for full payment of Fall-Winter session Tuition & Non-Tuition fees to avoid the recording of an ACORN financial hold on May 1, 2021, and ineligibility to register for future session(s).

    Summer Session Payment Schedule

    You registered for the Summer session by paying the Minimum Required Payment amount displayed on your ACORN invoice.

    Check your ACORN invoice before the end of May, and the end of August to determine if you need to make a fee payment.

    Summer Payment Schedule for Students with No Deferral
    May 31, 2021 Deadline to pay for Summer Session Tuition & Non-Tuition fee amounts
    June 15, 2021 First monthly service charge billing date for unpaid Summer session Tuition & Non-Tuition fee amounts
    August 31, 2021 Final deadline for full payment of Summer session Tuition & Non-Tuition fees to avoid the recording of an ACORN financial hold on September 1, 2021, and ineligibility to register for future session(s). * Some divisions may require an earlier deadline to pay Summer session fees to register for Fall-Winter session.
  • Overpayments may result in an ACORN credit balance which might be eligible for a refund.

    Credit balances will be refunded first to the U.S. Government Loan & Benefits program, and any remaining credit balance will be refunded to you.