Financing my studies

All along your university experience, establishing a financial plan will be an asset and allow you to focus on your studies rather than on your bank account. To develop this plan, you’ll need to take time and look for different sources of funding based on your student profile to create a personal budget. To help you maintain a good financial health, the Bureau des bourses et de l’aide financière de l’Université Laval can provide you with resources and tools to learn how to finance your studies and manage your budget.



For all students

Remember that scholarships are different from government loans and bursaries. You may be eligible for a scholarship even if you don’t qualify for the student loans and bursaries program. Scholarships are not awarded exclusively for academic excellence. In fact, there are a multitude of scholarships available, with different eligibility criteria established by the donors.


Add scholarships to your favourites!

To optimize your search in the scholarship directory, we recommend the following approach:

  1. Enter your IDUL and password in the Login tab: You will be able to view all the scholarships that match your profile.
  2. Add to your favourites any scholarships you may qualify for during your studies: This will save you time and increase your chances of getting a scholarship.


Scholarchip Directory


Student Financial Assistance (SFA)

For Canadian citizens and permanent residents

Why choose SFA over other funding sources? Because SFA runs the student Loans and Bursaries Program, a great way to get funding that offers many benefits.


Another available loan option is a line of credit, which allows you to borrow a predefined amount. The table below lays out the key differences between these two types of loans.


Advantages of student loans and bursaries over a line of credit

Student loans and bursaries Line of credit
Interest rate
  • Set by the government, generally lower than the rates offered by financial institutions
  • Tax-deductible interest throughout the loan repayment period
  • Set by the institution, sometimes variable
  • The interest rate often increases after graduation
Interest during your studies The government pays the interest while you’re studying full time You pay the interest during your studies or have it added to your debt
Application process No credit check Credit check required
Other features
  • Amount determined by the government to meet students’ everyday needs
  • Loans repayable at the end of full-time studies
  • Life insurance may be required during your studies
  • Risk of taking on excessive debt
Other benefits
  • Possibility of qualifying for bursaries that don’t’ have to be repaid at the end of your studies
  • Possibility of receiving a loan remission of 15%
  • Tax-deductible interest throughout the loan repayment period
  • A  deferred payment option that allows you to repay your student debt according to your means if you are in experiencing financial difficulties
The full amount must be repaid after your studies


If you are a Canadian citizen or permanent resident and don’t have the financial means to carry out your studies, the Loans and Bursaries Program is THE first source of financing to consider. It can be a major advantage in the pursuit of your studies. Visit the Loans and Bursaries section to learn more about the program. You will also find out about eligibility criteria, how much you could receive depending on your situation, and apply for financial assistance online.


Consult the Loans and Bursaries section

Sources of funding according to your student profile

The team at Bureau des bourses et de l’aide financière de l’Université Laval offers comprehensive services to help you find funding for your studies. To facilitate your search, we have identified potential funding sources based on your legal status and your level of study.


Explore my funding opportunities