How much does it cost to study in Canada?

Although Canadian student visa requirements say you must have at least CA$10,000 (~US$7,570) (or CA$11,000/~US$8,300 if studying in Quebec) on top of your tuition fees, you’ll likely need to budget much more than this for your living expenses. Your living costs will vary considerably depending on your location and spending habits, with large cities generally more expensive to live in. According to the 2019 Mercer Cost of Living Survey,  Toronto was the most expensive Canadian city to live in, closely followed by Vancouver, with rent particularly high in both cities.

The three main types of student accommodation (homestay, university accommodation and private accommodation) vary considerably in costs, with students paying around CA$3,000-7,500 (~US$2,271 – 5,680) for on-campus accommodation each year. Private shared accommodation can cost around CA$8,400 (~US$6,361) per year plus bills. University accommodation is often cheaper, with some universities offering meal plans to allow you to purchase food from the university’s food outlets.

Here are some examples of average living costs in Canada, taken from Numbeo in October 2019:

• Eating out at a restaurant: CA$16 per person (~US$12)
• One-way ticket on local public transport: CA$3 (~US$2.27)
• Loaf of bread: CA$2.86 (~US$2.17)
• Cinema ticket: CA$13.50 (~US$10.22)
• Monthly gym fee: CA$48.25 (~US$36.54)

You will need to purchase compulsory health insurance while studying in Canada. This will cost approximately CA$600-800 (~US$455-607) per year. You should also budget for extra costs, such as warm winter clothing if you don’t already have any.

To study in Canada, you will need to obtain a Canadian study permit, which serves as a student visa for the duration of your stay. You do not need a Canadian study permit if your course or program lasts six months or less. Applying for a study permit costs CA$150 (~US$114). Click here to read more about how to get a Canadian student visa.

Fees to apply to universities in Canada will vary depending on the university and your country of origin. For example, the University of British Columbia charges undergraduate Canadian students CA$70.50 (~US$53.40) and international students CA$118.50 (~US$89.70). You may be able to get this fee waived if you are an international student from a developing country.

Scholarships, grants and bursaries are available for international students wishing to study in Canada, at both undergraduate and postgraduate levels. These include specific scholarships for sporting and academic achievement, and subject-specific scholarships.

Many universities in Canada offer their own scholarships, so you might also be able to apply for a scholarship offered exclusively by the university at which you plan to study. In all cases, it’s important to apply as early as possible as scholarship funding is limited and highly competitive. International applicants are also advised to research study abroad scholarship opportunities offered by organizations in their home country.

One notable source of scholarships to study in Canada is the Canadian Commonwealth Scholarship Program, which provides scholarships to students of other Commonwealth countries. You might also find the financial assistance information on the Canadian Information Centre for International Credentials website useful. More scholarships to study in Canada can be found here.

If you’d like to get a part-time job to help support yourself while studying in Canada, you can work on or off-campus for up to 20 hours during university semesters and full-time during breaks such as the winter or summer holidays, without the need for a work permit.

To qualify, you must:

• Have a valid study permit
• Be a full-time student
• Be enrolled at a designated learning institution at post-secondary level
• Be studying in an academic, vocational or professional training program that leads to a degree, diploma or certificate that is at least six months in duration

You will also need a Social Insurance Number (SIN) from Service Canada to work in Canada or to receive benefits and services from government programs. You can find out more about how to work during or after studying in Canada here.

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