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Canadian Student Loans have also been another source of funding

Students attending TAU-International who are interested in finding outside financial aid for their academic studies can use this information in order to help them with funding sources and opportunities.

Application forms are available at your local financial aid office, and on-line at your Provincial Ministry of Colleges and Universities.

Contact the institution of your choice to determine if it is eligible for a MASA Israel Grant. Visit or contact Dani Fine at |

Eligibility: Must be recent high school graduates, university students or graduate students pursuing teacher training or general studies in Israel Open to Canadian citizens who demonstrate financial need must be accepted for at least one year at an accredited postsecondary program.

Application Process: Three letters of recommendation required, one of which must be by a high school principal or university studies director.

Canadian Friends of Tel Aviv University OSOTF Scholarships (incorporating the Berdie and Irvin Cohen Award, the Vera Dolly Denty Award, the Marnie Kimelman Award, and the Louis Manpel Award) Given annually to one or more York graduate or undergraduate students in any area of study for full-time study at Tel Aviv University. The value of the awards is based on financial need and variable to a maximum of $5,000 for a year of graduate study, $5,000 for a year of undergraduate study, and $1000 for summer study. For one semester of study, the maximum is half the full year sum.

Ontario Student Assistance Program (OSAP)

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OSAP is a financial aid program that can help you pay for college or university through both grants and student loans. Continue reading

Whats the Difference Between Grants, Scholarships, and Loans?

Grants, scholarships, and student loans are all types of financial assistance meant to help students meet the cost of higher education.

While grants and scholarships are types of gift aid, meaning they don’t have to be paid back, borrowers typically have to pay back student loans in full, plus interest.

What is a grant?

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Grants, like scholarships, are a type of financial aid. Grant money is primarily given by the federal government, state governments, colleges and universities, nonprofit organizations, o r any private organization that has money to give to college students.

Are you eligible for grants?

Unlike scholarships, most grant programs are need-based, not merit-based. In order to qualify for grants, you’ll usually have to provide financial information about yourself and your parents or guardians.

Typically, your eligibility for grants is based on your college’s cost of attendance, as well as your expected family contribution (EFC). Some state grants and university grants also have an income cutoff. So, if your family makes too much money, you won’t qualify.

Applying for grants

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The good news is you have (nearly) one-stop shopping in applying for grants. When you submit a FAFSA (the Free Application for Federal Student Aid) you’re automatically considered for federal grants, such as the Federal Pell Grant , as well as some state and school grants.

What is a scholarship

Like grants, scholarships are another form of free money. In fact, sometimes it can be hard to discern the difference between a grant and a scholarship other than the name. However, in a general sense, scholarships are more likely to be based on factors other than financial need.

The biggest difference between grants and scholarships is where they come from. While grants may come from government entities, scholarships rarely do. Rather, scholarship programs ilies, community organizations, or any number of other parties. Continue reading

Should You Pay Off Your Student Loans Before Buying A House?

Add all your monthly recurring expenses, then divide the number you get by your total pre-tax monthly income. Is someone else applying for your mortgage loan with you? If so, include their income in your calculation as well. Multiply the number you get by 100 to get your DTI ratio as a percentage.

DTI Example

Let’s take a look at an example. Imagine that you have a total monthly gross income of $4,000. Say that you have the following monthly debts:

  • Rent: $500
  • Student loan minimum payment: $150
  • Auto loan minimum payment: $250
  • Credit card minimum payment: $100

In this example, you’d first add up all of payday loans Alaska your debts for a total of $1,000. Continue reading