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Admissions & Aid /
Canadian loan programs

Financial aid options for Canadian students

Most major banks in Canada (Scotia, NBC, RBC) offer lines of credit for students studying outside Canada. These educational lines of credit are specifically designed to fund the costs associated with the student’s studies.

For students studying outside of Canada, most lenders will require a credit-worthy cosigner in order for the student to obtain an approval. Approvals are made at the discretion of the local branch where the application is submitted. Students are advised to apply at the location they and/or their co-signers conduct most of their banking transactions. Credit-based loans and lines of credit are typically approved for students and cosigners who have good credit ratings.

To apply for an educational line of credit, accepted students should provide the bank with a copy of their letter of admission, along with a printout of the UMHS IMED directory listing and the CaRMS Eligibility Criteria.

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Provincial student loans

Canadian students are eligible for provincial loans in the province of residence. For example, Ontario residents are eligible for an Ontario Student Assistance Program (OSAP) loan.

Canadian students may apply for up to 52 weeks of financial assistance annually. Students should contact their individual province directly for information regarding additional requirements. 

Additional information may be available through the Government of Canada or from the provincial and territorial student financial assistance offices:

UMHS institutional loan program

UMHS maintains a loan program for students who have been unsuccessful at qualifying for a Canadian line of credit or provincial loan. This University-funded program provides loans to students who have made a concerted effort to obtain funding for the upcoming term and have fallen short of their needs. Loans approved under this program are applicable toward tuition only. These loans are available on a per-semester basis. The maximum amount available per semester is $6,000. 

Contact the Office of Financial Aid for further information and to determine eligibility.

Genevieve Gagne
Geneviève Gagné
Associate Director of Admissions - Canada
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As the Associate Director of Admissions Canada at UMHS, with effective communication and networking skills, I joined the UMHS team after six years of owning my own business. Prior to that, I worked for three years here at UMHS, six years at the Canadian Resident Matching Service (CaRMS), and four years working at the Faculty of Medicine of the University of Ottawa. I have extensive knowledge of the residency match process for International medical graduates and the Canadian medical education community, including how it pertains to Canadian students who have studied or are looking for a medical program abroad.  I speak French and English.
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