{"id":97645,"date":"2026-04-22T16:51:09","date_gmt":"2026-04-22T20:51:09","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=97645"},"modified":"2026-04-22T16:51:10","modified_gmt":"2026-04-22T20:51:10","slug":"canadian-post-secondary-education-costs-a-parents-guide","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/finances-and-relationships\/parenthood\/canadian-post-secondary-education-costs-a-parents-guide\/","title":{"rendered":"Canadian Post-Secondary Education Costs: A Parent&#8217;s Guide"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tldr\">TLDR<\/h4>\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\"><p>Post-secondary education in Canada can exceed $30,000 per year when tuition, rent, food, transportation and books are factored in<\/p><\/li>\n<li class=\"wp-block-rbc-list-item\"><p>Starting early with a Registered Education Savings Plan (RESP) allows for tax-deferred growth and unlocks valuable government grants like the Canada Education Savings Grant (CESG) and Canada Learning Bond (CLB)<\/p><\/li>\n<li class=\"wp-block-rbc-list-item\"><p>Families can bridge savings gaps through scholarships, bursaries, government student aid, loans and shared cost arrangements<\/p><\/li>\n<\/ul>\n<\/div><\/div><br>\n\n\n\n<p>Aside from the rising cost of living and inflation, post-secondary expenses have soared in recent years. As a parent, tuition, transportation, books and living arrangements are just a few of the factors to consider when planning for your child\u2019s education. While it may seem like a significant financial obligation, there are ways to manage &nbsp;these costs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-does-nbsp-university-cost-in-canada-per-year\">How much does&nbsp;university cost in Canada per year?<\/h2>\n\n\n\n<p id=\"h-\">The total cost of post-secondary education in Canada can vary widely depending on the school, program and whether a student lives at home.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-tuition\">Tuition<\/h3>\n\n\n\n<p id=\"h-\">According to&nbsp;<a href=\"https:\/\/www150.statcan.gc.ca\/n1\/daily-quotidien\/250910\/dq250910d-eng.htm\" target=\"_blank\" data-dig-id=\"LP-97645-7fbbfa57\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Statistics Canada\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Statistics Canada<\/a>, post-secondary annual tuition costs for undergrads are expected to reach $7,734 in the 2025\/2026 academic year \u2013 a 1.4% increase from the previous year. Graduate tuition is expected to average $7,978 \u2013 up 0.9%. Tuition costs can vary by program and represent only part of the total cost.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-housing-costs\">Housing costs<\/h3>\n\n\n\n<p id=\"h-\">According to a&nbsp;<a href=\"https:\/\/www.ctvnews.ca\/toronto\/article\/post-secondary-students-in-toronto-pay-hundreds-of-dollars-more-in-rent-than-the-national-average-report\/#:~:text=Post%2Dsecondary%20students%20in%20Toronto,and%2073%20per%20cent%2C%20respectively.\" target=\"_blank\" data-dig-id=\"LP-97645-63a5ec91\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Studenthaus\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Studenthaus<\/a>&nbsp;study of 6,000 Canadian students, those students living away from home pay an average of $1,146 per month for rent. In major cities like Toronto, average rents can range between $1,600 and $1,800 per month, depending on location and housing type. In many cases, student leases are signed for 12 months, meaning students may pay rent year-round even though they only live in the unit during the academic year (typically 8 months) depending on the housing arrangement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-food\">Food<\/h3>\n\n\n\n<p>According to&nbsp;<a href=\"https:\/\/www.educanada.ca\/live-work-vivre-travailler\/prepare-budget-preparer.aspx?lang=eng\" target=\"_blank\" data-dig-id=\"LP-97645-083ab770\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"EduCanada\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">EduCanada<\/a>, students can expect to spend approximately $240 to $480 per month on groceries and dining out, depending on lifestyle and location.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-transportation\">Transportation<\/h3>\n\n\n\n<p>Transportation costs can also balloon to a high cost whether the student owns a car or takes public transport.&nbsp;<a href=\"https:\/\/www.educanada.ca\/live-work-vivre-travailler\/prepare-budget-preparer.aspx?lang=eng\">EduCanada<\/a>&nbsp;estimates that a monthly public transit pass can cost up to $156 per month, depending on the city. This doesn\u2019t include train or plane tickets home for the weekends or holidays.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-books-and-course-materials\">Books and course materials<\/h3>\n\n\n\n<p id=\"h-\">Textbook and academic supplies can also add up. The&nbsp;<a href=\"https:\/\/future.utoronto.ca\/other-costs-university#:~:text=Consider%20budgeting%20$1%2C000%2D$2%2C000,your%20preferences%20and%20program%20needs.\" target=\"_blank\" data-dig-id=\"LP-97645-b9a1d862\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"University of Toronto advises students\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">University of Toronto advises students<\/a>&nbsp;to budget $1,000 and $2,000 per year depending on program needs.<\/p>\n\n\n\n<p id=\"h-\">Additional expenses can include:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">Utilities such as hydro and internet<\/li>\n    <li class=\"wp-block-rbc-list-item\">Tenant insurance<\/li>\n    <li class=\"wp-block-rbc-list-item\">Phone service<\/li>\n    <li class=\"wp-block-rbc-list-item\">Personal expenses and entertainment<\/li>\n<\/ul><br>\n\n\n\n<p>When all these costs are combined, the total annual cost of attending university in Canada can exceed $30,000 per year, particularly for students living away from home.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-average-annual-cost-of-post-secondary-education-in-canada\">Average annual cost of post-secondary education in Canada<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"852\" width=\"1024\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/post_secondary_costs_donut_chart-1.png?quality=80&amp;w=1024\" alt=\"Chart demonstrating the Average annual cost of post-secondary education in Canada\" class=\"wp-image-97674\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/post_secondary_costs_donut_chart-1.png 3570w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/post_secondary_costs_donut_chart-1.png?resize=300,250 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/post_secondary_costs_donut_chart-1.png?resize=768,639 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/post_secondary_costs_donut_chart-1.png?resize=1024,852 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/post_secondary_costs_donut_chart-1.png?resize=1536,1278 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/post_secondary_costs_donut_chart-1.png?resize=2048,1704 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center\">*Sources: Statistics Canada, EduCanada, Studenthaus, University of Toronto<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-should-parents-save\">How much should parents save?<\/h2>\n\n\n\n<p id=\"h-\">The exact amount parents should save will vary depending on the financial circumstances of the family and the type of program chosen.<\/p>\n\n\n\n<p>Rough estimates put the annual cost of post-secondary education at $30,000&nbsp; \u2013 meaning a four-year program in Canada could cost over $100,000.<\/p>\n\n\n\n<p id=\"h-\">This doesn\u2019t mean parents need to save the entire amount on their own. Consistent RESP contributions \u2013 for example $100 a month from birth \u2013 can snowball into a large education fund over time, especially when combined with government grants like the Canadian Education Savings Grant (CESG).&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Contributing $100 per month adds up to $21,600 in contributions, and when combined with the minimum CESG grant of $4,320 (based on a 20% match) and modest investment growth, total savings could exceed $40,000.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The average monthly RESP contribution is approximately $153 (based on 2024 data from the&nbsp;<a href=\"https:\/\/www150.statcan.gc.ca\/n1\/daily-quotidien\/250401\/t002a-eng.htm\" target=\"_blank\" data-dig-id=\"LP-97645-8cc7674b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Government of Canada\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Government of Canada<\/a>) which tallies up to $1,840 each year. This would generate an additional $368 per year in CESG grants.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Contributing $2,500 annually into an RESP allows families to benefit from the maximum annual CESG amount of $500 per year, up to a lifetime maximum of $7,200 per child.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-regular-monthly-contributions-grow-over-time\">How regular monthly contributions grow over time<\/h2>\n\n\n\n<p>This table shows the projected value of RESP savings at age 18, based on different monthly contribution amounts and starting ages. Calculations include the 20% Canadian Education Savings Grant (CESG) on eligible contributions and assume a conservative 5% average annual return.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-50-month\">$50\/month<\/h3>\n\n\n\n<div class=\"wp-block-group has-text-reg-font-size is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<table class=\"table-swipe wp-block-rbc-responsive-table-block is-style-table-striped\"><thead><tr><th scope=\"col\"><\/th><th scope=\"col\"><strong>Starting at Birth<\/strong><\/th><th scope=\"col\"><strong>Starting at Age 5<\/strong><\/th><th scope=\"col\"><strong>Starting at Age 10<\/strong><\/th><th scope=\"col\"><strong>Starting at Age 15<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Your contributions<\/td><td>$10,800<\/td><td>$7,800<\/td><td>$4,800<\/td><td>$1,800<\/td><\/tr><tr><td>CESG grants<\/td><td>$2,160<\/td><td>$1,560<\/td><td>$960<\/td><td>$360<\/td><\/tr><tr><td><strong>Projected total at 18<\/strong>&nbsp;*<\/td><td><strong>$20,900<\/strong><\/td><td><strong>$13,100<\/strong><\/td><td><strong>$7,100<\/strong><\/td><td><strong>$2,300<\/strong><\/td><\/tr><\/tbody><\/table>\n<\/div>\n\n\n\n<p><em>*Projected totals include contributions, CESG grants, and estimated investment growth at 5% average annual return. For illustration purposes only, actual returns will vary.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-100-month\">$100\/month<\/h3>\n\n\n\n<div class=\"wp-block-group has-text-reg-font-size is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<table class=\"table-swipe wp-block-rbc-responsive-table-block is-style-table-striped\"><thead><tr><th scope=\"col\"><\/th><th scope=\"col\"><strong>Starting at Birth<\/strong><\/th><th scope=\"col\"><strong>Starting at Age 5<\/strong><\/th><th scope=\"col\"><strong>Starting at Age 10<\/strong><\/th><th scope=\"col\"><strong>Starting at Age 15<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Your contributions<\/td><td>$21,600<\/td><td>$15,600<\/td><td>$9,600<\/td><td>$3,600<\/td><\/tr><tr><td>CESG grants<\/td><td>$4,320<\/td><td>$3,120<\/td><td>$1,920<\/td><td>$720<\/td><\/tr><tr><td><strong>Projected total at 18<\/strong>&nbsp;*<\/td><td><strong><strong>$41,800<\/strong><\/strong><\/td><td><strong><strong>$26,300<\/strong><\/strong><\/td><td><strong><strong>$14,100<\/strong><\/strong><\/td><td><strong>$4,600<\/strong><\/td><\/tr><\/tbody><\/table>\n<\/div>\n\n\n\n<p><em>*Projected totals include contributions, CESG grants, and estimated investment growth at 5% average annual return. For illustration purposes only, actual returns will vary.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-150-month\">$150\/month<\/h3>\n\n\n\n<div class=\"wp-block-group has-text-reg-font-size is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<table class=\"table-swipe wp-block-rbc-responsive-table-block is-style-table-striped\"><thead><tr><th scope=\"col\"><\/th><th scope=\"col\"><strong>Starting at Birth<\/strong><\/th><th scope=\"col\"><strong>Starting at Age 5<\/strong><\/th><th scope=\"col\"><strong>Starting at Age 10<\/strong><\/th><th scope=\"col\"><strong>Starting at Age 15<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Your contributions<\/td><td>$32,400<\/td><td>$23,400<\/td><td>$14,400<\/td><td>$5,400<\/td><\/tr><tr><td>CESG grants<\/td><td>$6,480<\/td><td>$4,680<\/td><td>$2,880<\/td><td>$1,080<\/td><\/tr><tr><td><strong>Projected total at 18<\/strong>&nbsp;*<\/td><td><strong><strong>$62,700<\/strong><\/strong><\/td><td><strong><strong>$39,400<\/strong><\/strong><\/td><td><strong><strong>$21,200<\/strong><\/strong><\/td><td><strong><strong>$7,000<\/strong><\/strong><\/td><\/tr><\/tbody><\/table>\n<\/div>\n\n\n\n<p><em>*Projected totals include contributions, CESG grants, and estimated investment growth at 5% average annual return. For illustration purposes only, actual returns will vary.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-208-month\">$208\/month<\/h3>\n\n\n\n<div class=\"wp-block-group has-text-reg-font-size is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<table class=\"table-swipe wp-block-rbc-responsive-table-block is-style-table-striped\"><thead><tr><th scope=\"col\"><\/th><th scope=\"col\"><strong>Starting at Birth<\/strong><\/th><th scope=\"col\"><strong>Starting at Age 5<\/strong><\/th><th scope=\"col\"><strong>Starting at Age 10<\/strong><\/th><th scope=\"col\"><strong>Starting at Age 15<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Your contributions<\/td><td>$44,928<\/td><td>$32,448<\/td><td>$19,968<\/td><td>$7,488<\/td><\/tr><tr><td>CESG grants<\/td><td>$7,200<\/td><td>$6,490<\/td><td>$3,994<\/td><td>$1,498<\/td><\/tr><tr><td><strong>Projected total at 18<\/strong>&nbsp;*<\/td><td><strong><strong><strong>$84,800<\/strong><\/strong><\/strong><\/td><td><strong><strong><strong>$54,600<\/strong><\/strong><\/strong><\/td><td><strong><strong><strong>$29,400<\/strong><\/strong><\/strong><\/td><td><strong><strong><strong>$9,700<\/strong><\/strong><\/strong><\/td><\/tr><\/tbody><\/table>\n<\/div>\n\n\n\n<p><em>*Projected totals include contributions, CESG grants, and estimated investment growth at 5% average annual return. For illustration purposes only, actual returns will vary.<\/em><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-save-for-a-child-s-post-secondary-education\">How to save for a child&#8217;s post-secondary education<\/h2>\n\n\n\n<p id=\"h-\">For many families, investing in a Registered Education Saving Plan (RESP) offers tax-deferred growth and access to government grants. Speaking with a financial advisor can help families learn how to maximize the financial potential based on their goals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-an-resp-and-how-does-it-work\">What is an RESP and how does it work?<\/h3>\n\n\n\n<p id=\"h-\">A&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/what-is-an-resp-and-how-does-it-work-key-things-you-need-to-know-about-this-popular-savings-tool\/\" target=\"_blank\" data-dig-id=\"LP-97645-aa3c6bb5\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Registered Education Savings Plan\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Registered Education Savings Plan<\/a>&nbsp;(RESP) is a tax-deferred savings plan designed to help save for a child\u2019s post-secondary education.<\/p>\n\n\n\n<p id=\"h-\">RESP funds can be used for eligible education programs including:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">Universities and colleges<\/li>\n    <li class=\"wp-block-rbc-list-item\">CEGEP programs<\/li>\n    <li class=\"wp-block-rbc-list-item\">Trade schools<\/li>\n    <li class=\"wp-block-rbc-list-item\">Apprenticeships<\/li>\n<\/ul><br>\n\n\n\n<p>Parents, grandparents and loved ones can contribute to the RESP over the years and since contributions grow tax-deferred, investment earnings compound until the funds are withdrawn for education expenses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-canada-education-savings-grant-cesg-and-canada-learning-bond-clb\">Canada Education Savings Grant (CESG) and Canada Learning Bond (CLB)<\/h3>\n\n\n\n<p>The Government of Canada provides incentives to help families save for education.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>The&nbsp;<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/registered-education-savings-plans-resps\/canada-education-savings-programs-cesp\/canada-education-savings-grant-cesg.html\" target=\"_blank\" data-dig-id=\"LP-97645-a0f547af\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Canada Education Savings Grant (CESG)\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Canada Education Savings Grant (CESG)<\/a>.&nbsp;The government matches 20% of annual RESP contributions up to $500 per year with a $7,200 lifetime maximum per child<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/registered-education-savings-plans-resps\/canada-education-savings-programs-cesp\/canada-learning-bond.html\" target=\"_blank\" data-dig-id=\"LP-97645-42040ce7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"The Canada Learning Bond (CLB)\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">The Canada Learning Bond (CLB)<\/a>&nbsp;This bond provides an additional $2,000 for eligible low-income families, with no requirement for personal contributions to be made. It includes an initial payment of $500 and then $100 for each year of eligibility, up to the age of 15 \u2013 for a maximum of $2,000.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-if-savings-don-t-cover-the-full-amount\">What if savings don\u2019t cover the full amount?<\/h2>\n\n\n\n<p id=\"h-\">Even while saving diligently, some families may face a funding gap. If RESP savings do not fully cover education costs, students can look to the following to help finances the remaining expenses:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">Scholarships<\/li>\n    <li class=\"wp-block-rbc-list-item\">Bursaries<\/li>\n    <li class=\"wp-block-rbc-list-item\">Government Student Loans<\/li>\n    <li class=\"wp-block-rbc-list-item\">Student loans<\/li>\n    <li class=\"wp-block-rbc-list-item\">Student Lines of Credit<\/li>\n<\/ul><br>\n\n\n\n<p>Understanding these options early can help families make informed financial decisions before a student starts their education journey and reduce the reliance on higher-interest borrowing.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-scholarships-and-bursaries\">Scholarships and bursaries<\/h3>\n\n\n\n<p>Scholarships and bursaries are forms of non-repayable financial aid.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>A&nbsp;<strong>scholarship:<\/strong>&nbsp;these funds are typically awarded by governments, schools or private organiztions and are &nbsp;based on:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">Academic achievement<\/li>\n    <li class=\"wp-block-rbc-list-item\">Athletic skill<\/li>\n    <li class=\"wp-block-rbc-list-item\">Community involvement<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A&nbsp;<strong>bursary<\/strong>: these are awarded based on financial circumstances, usually to a student who has proven to be unable to afford to pay for tuition fees.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>A student should be looking into bursaries and scholarships as soon as their senior grade begins. Guidance counsellors and department heads are a great resource and can help with identifying relevant opportunities. They will know what\u2019s available and which scholarships receive the least number of applicants. A student can also start their research by looking at their target university\u2019s financial aid website.<\/p>\n\n\n\n<p>Students can also search for opportunities on the&nbsp;<a href=\"https:\/\/www.scholarshipscanada.com\/\" target=\"_blank\" data-dig-id=\"LP-97645-17d12907\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Scholarships Canada website\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Scholarships Canada website<\/a>, which provides customized scholarship matches tailored to their specific field of study, academic average and extracurricular activities.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-student-loans-and-government-assistance\">Student loans and Government assistance<\/h3>\n\n\n\n<p>The government and financial institutions offer student loan programs with different terms and conditions depending on the student\u2019s financial situation and program needs.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Government student loans<\/strong>&nbsp;are typically based on financial circumstances, and often require students to maintain a minimum course load and academic average. Eligibility is typically based on:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">Household income<\/li>\n    <li class=\"wp-block-rbc-list-item\">Family size<\/li>\n    <li class=\"wp-block-rbc-list-item\">Enrollment status<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Enrollment statusThe&nbsp;<a href=\"https:\/\/www.canada.ca\/en\/employment-social-development\/programs\/canada-student-loans-grants.html\" target=\"_blank\" data-dig-id=\"LP-97645-d1012fd5\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Canada Student Financial Assistance Program\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Canada Student Financial Assistance Program<\/a>&nbsp;provides federal grants and loans and alongside provincial aid programs such as the&nbsp;<a href=\"https:\/\/www.ontario.ca\/page\/osap-ontario-student-assistance-program\" target=\"_blank\" data-dig-id=\"LP-97645-bddd3342\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Ontario Student Assistance Program\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Ontario Student Assistance Program<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Student lines of credit<\/strong>, offered by financial institutions, provide flexible loans to cover tuition and living expenses. These products often allow:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">Interest-only payments while studying<\/li>\n    <li class=\"wp-block-rbc-list-item\">Flexible repayment options after graduation<\/li>\n    <li class=\"wp-block-rbc-list-item\">Additional payments without penalty<\/li>\n<\/ul><br>\n\n\n\n<p>For more information, here is a&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-loans\/everything-you-need-to-know-about-student-loans-in-canada\/\" target=\"_blank\" data-dig-id=\"LP-97645-f61bb911\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"comprehensive breakdown of student loans in Canada\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">comprehensive breakdown of student loans in Canada<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-pays-for-what-finding-family-balance\">Who pays for what? Finding family balance<\/h2>\n\n\n\n<p id=\"h-\">Post-secondary education is often a shared financial responsibility between parents and children. Every family situation is different but three common scenarios exist:<\/p>\n\n\n\n<div class=\"wp-block-group has-text-reg-font-size is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<table class=\"table-swipe wp-block-rbc-responsive-table-block is-style-table-striped\"><thead><tr><th scope=\"col\"><strong>Scenario<\/strong><\/th><th scope=\"col\"><strong>Parent Contribution<\/strong><\/th><th scope=\"col\"><strong>Student Contribution<\/strong><\/th><th scope=\"col\"><strong>Pros<\/strong><\/th><th scope=\"col\"><strong>Cons<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Parents cover majority of costs<\/strong><\/td><td>Full tuition + living costs<\/td><td>Minimal (personal expenses)<\/td><td>Less financial stress on student, student can focus on academics<\/td><td>High cost for parents, may impact retirement savings<\/td><\/tr><tr><td><strong>Shared costs (agreed split)<\/strong><\/td><td>Partial tuition or matching contributions<\/td><td>Part-time work, personal savings<\/td><td>Encourages financial responsibility, shared burden<\/td><td>Requires a clear agreement, may cause tension if student or parent are unable to meet obligations<\/td><\/tr><tr><td><strong>Student primarily responsible<\/strong><\/td><td>Minimal support<\/td><td>Tuition, living costs, work, scholarships, loans<\/td><td>Student gains independence and money management skills<\/td><td>High stress on student, risk of high debt if not well planned<\/td><\/tr><\/tbody><\/table>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Open communication about finances can help families set realistic expectations and reduce stress during the transition to post-secondary education.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-to-start-saving-and-planning-for-university-costs\">When to start saving and planning for university costs<\/h2>\n\n\n\n<p id=\"h-\">Parents can open and start contributing to an RESP as soon as their child is born and has a Social Insurance Number (SIN). Starting early will give access to:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">up to 18 years of tax-deferred investment growth<\/li>\n    <li class=\"wp-block-rbc-list-item\">Government grants such as the CESG and CLB<\/li>\n    <li class=\"wp-block-rbc-list-item\">A maximum lifetime contribution limit of $50,000 per child<\/li>\n<\/ul><br>\n\n\n\n<p>The child has up to 35 years to use the funds, offering flexibility should they decide to delay their education.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-balance-education-savings-with-your-own-financial-future\">How to balance education savings with your own financial future<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/finances-and-relationships\/parenthood\/resps-vs-rrsps-how-to-balance-education-and-retirement-savings\/\" target=\"_blank\" data-dig-id=\"LP-97645-d83afc9d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Careful management of savings and RESP\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Careful management of savings and RESP<\/a>&nbsp;could do most of the heavy lifting, but saving for a child\u2019s education should not come at the expense of the parents own long-term financial security. Parents should be sure to:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">Continue contributing to retirement savings while saving into an RESP<\/li>\n    <li class=\"wp-block-rbc-list-item\">Avoid excessive debt to meet \u2018expectations\u2019<\/li>\n    <li class=\"wp-block-rbc-list-item\">Set realistic contribution expectations<\/li>\n<\/ul><br>\n\n\n\n<p>Involving teens in the financial planning conversations can help them become savvy when it comes to money management and ultimately less stressed when it comes to their own finances. Tools such as the RBC&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/bank-accounts\/youth-student-banking\/budget-calculator.html?utm_source=Discover-Learn&amp;utm_medium=referral&amp;utm_campaign=dl-140350\" target=\"_blank\" data-dig-id=\"LP-97645-d55aba9d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Student Budget Calculator\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Student Budget Calculator<\/a>&nbsp;and the&nbsp;<a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/education.html\" target=\"_blank\" data-dig-id=\"LP-97645-0819aebd\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Government of Canada\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Government of Canada<\/a>&nbsp;website, can provide a clearer vision of post-secondary needs, expenses and availability of financial support.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-post-secondary-education-worth-the-cost\">Is post-secondary education worth the cost?<\/h2>\n\n\n\n<p>Post-secondary education can open doors to career opportunities, skill development and personal growth, but its financial value varies widely depending on the program, field of study and total costs. Evaluating program options carefully can make a significant difference. Families may benefit from asking questions such as:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">What career paths are linked to this program?<\/li>\n    <li class=\"wp-block-rbc-list-item\">How long will it take to complete?<\/li>\n    <li class=\"wp-block-rbc-list-item\">Are there alternative pathways like college diplomas or trade apprenticeships?<\/li>\n<\/ul><br>\n\n\n\n<p>&nbsp;Making informed decisions ensures that the education investment matches both the student\u2019s ambitions and the family\u2019s financial reality.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faq\">FAQ<\/h2>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\">\n\n<div class=\"accordion-panel\">\n<button id=\"accordion-titled-1\" class=\"collapse-toggle collapsed\" data-target=\"#accordiond-1\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-1\" aria-controls=\"accordiond-1\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How much does post-secondary education cost in Canada?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\">\n<div>How much does post-secondary education cost in Canada?<\/div>\n<\/button>\n<div class=\"collapse-content collapse\" id=\"accordiond-1\" role=\"region\" aria-labelledby=\"accordion-titled-1\">\n<div class=\"collapse-inner\">\n<p>The average undergraduate tuition in Canada is about $7,734 per year. The inclusion of transportation, rent, food and books can bring the overall total annual cost to $30,000, with many variables to consider.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"accordion-panel\">\n<button id=\"accordion-titled-3\" class=\"collapse-toggle collapsed\" data-target=\"#accordiond-3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-3\" aria-controls=\"accordiond-3\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How much should parents save for university?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\">\n<div>How much should parents save for university?<\/div>\n<\/button>\n<div class=\"collapse-content collapse\" id=\"accordiond-3\" role=\"region\" aria-labelledby=\"accordion-titled-3\">\n<div class=\"collapse-inner\">\n<p>While there\u2019s no one-size-fits-all answer for this, many parents will aim to save between $25,000 and $50,000 per child through RESP contributions with government grants and investment growth to helping to increase the total savings over time.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"accordion-panel\">\n<button id=\"accordion-titled-5\" class=\"collapse-toggle collapsed\" data-target=\"#accordiond-5\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-5\" aria-controls=\"accordiond-5\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What if my child\u2019s education costs more than we have saved?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\">\n<div>What if my child\u2019s education costs more than we have saved?<\/div>\n<\/button>\n<div class=\"collapse-content collapse\" id=\"accordiond-5\" role=\"region\" aria-labelledby=\"accordion-titled-5\">\n<div class=\"collapse-inner\">\n<p>Scholarships, bursaries, government student aid programs, loans and student lines of credit can go a long way in closing financial gaps, no matter how big they are. Gaining an early understanding of the funding sources available can help reduce the reliance on higher-interest debt once the child starts their university education.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"accordion-panel\">\n<button id=\"accordion-titled-7\" class=\"collapse-toggle collapsed\" data-target=\"#accordiond-7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-7\" aria-controls=\"accordiond-7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Should parents pay for their child\u2019s university education?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\">\n<div>Should parents pay for their child\u2019s university education?<\/div>\n<\/button>\n<div class=\"collapse-content collapse\" id=\"accordiond-7\" role=\"region\" aria-labelledby=\"accordion-titled-7\">\n<div class=\"collapse-inner\">\n<p>This decision should be based on financial ability rather than obligation. A parent wouldn\u2019t want to endanger their retirement plans while also not leaving their children without any help.  In light of this, many families encourage their children to share the financial responsibility by seeking out jobs, scholarships or student loans.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"accordion-panel\">\n<button id=\"accordion-titled-9\" class=\"collapse-toggle collapsed\" data-target=\"#accordiond-9\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-9\" aria-controls=\"accordiond-9\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When should families start planning for post-secondary education costs?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\">\n<div>When should families start planning for post-secondary education costs?<\/div>\n<\/button>\n<div class=\"collapse-content collapse\" id=\"accordiond-9\" role=\"region\" aria-labelledby=\"accordion-titled-9\">\n<div class=\"collapse-inner\">\n<p>Families can start saving as soon as the child has a Social Insurance Number, maximizing access to government grants and allowing for tax-deferred, compounded growth on savings.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<\/section>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Learn about Canada&#8217;s post-secondary costs, how to save with RESPs, maximize government grants and plan for your child&#8217;s tuition stress-free.<\/p>\n","protected":false},"author":90,"featured_media":97646,"parent":57303,"menu_order":0,"template":"wp-custom-template-mmm-sticky-nav","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[81,85,525],"rbc_content_type":[31],"rbc_audience":[39,49],"rbc_lob_group":[50],"rbc_difficulty_level":[33],"rbc_mmm_category":[315,303,348,314,356,312],"class_list":["post-97645","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-education","tag-paying-for-school","tag-students","rbc_content_type-article","rbc_audience-parents","rbc_audience-students","rbc_lob_group-students","rbc_difficulty_level-beginner","rbc_mmm_category-finances-and-relationships","rbc_mmm_category-goals-aspirations","rbc_mmm_category-going-to-college-or-university","rbc_mmm_category-life-events","rbc_mmm_category-parenthood","rbc_mmm_category-school-and-career"],"acf":{"contently_publication_id":"","custom_author":"Royal Bank of Canada","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":[{"title":"How much does&nbsp;university cost in Canada per year?","url":"#h-how-much-does-university-cost-in-canada-per-year"},{"title":"How much should parents save?","url":"#h-how-much-should-parents-save"},{"title":"How regular monthly contributions grow over time","url":"#h-how-regular-monthly-contributions-grow-over-time"},{"title":"How to save for a child&#8217;s post-secondary education","url":"#h-how-to-save-for-a-childs-post-secondary-education"},{"title":"What if savings don\u2019t cover the full amount?","url":"#h-what-if-savings-dont-cover-the-full-amount"},{"title":"Who pays for what? Finding family balance","url":"#h-who-pays-for-what-finding-family-balance"}],"rbc_toc_for_mmm_action":"Generate Table Of Contents"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Learn about Canada&#039;s post-secondary costs, how to save with RESPs, maximize government grants and plan for your child&#039;s tuition stress-free.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/life-events\/finances-and-relationships\/parenthood\/canadian-post-secondary-education-costs-a-parents-guide\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"Learn about Canada&#039;s 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