New and returning students
Welcome to the school year! Whether you are attending Concordia for the first time or continuing in your program, every year there are some important things that you must do to keep your finances healthy so you can focus on your studies.
From a money point of view, this is the most important requirement for all students. Only when all your courses appear on your student record can your costs be confirmed and any calculations for student aid finalized. Registration opens in the spring of each year and you are encouraged to register as soon as possible. Learn more about registration, including the important dates. There's information for undergraduate and graduate students.
New Students: Students starting their first year of studies at Concordia will need to receive academic advising from their Faculty before they can register. Advising varies from Faculty to Faculty. Here's a good place to start.
If you are relocating to Montreal to study, please review your department’s advising options and complete this important step as soon as possible. This is essential to making your financial plan line up with your timeline for moving to Montreal.
IMPORTANT: All students who are likely to apply for government student aid should aim to complete their registration (i.e. courses show on student record) no later than May 30 for the upcoming school year.
A budget is not just numbers – it’s an expression of your resources and how you plan to use them. Take a moment to think about your goals in attending university – what you want to achieve and why it’s important to you.
Once your registration and course load are finalized, you’ll be able to calculate your tuition and fees for the upcoming year. Check out Concordia's simulator for these charges.
Then, you need to think about books and supplies, basic living expenses and everything on top of that. Here are a few examples of what the total annual cost of your education can look like.
Once you know what your required investment will look like, it’s time to check what funds you have on hand, what you can earn, what resources can help pay for your education and how much you may need to borrow.
Making Your Budget Plan
Sometimes it can seem really overwhelming and/or uninteresting to sort out your financial plan, but it doesn’t have to be. These sample budget plans and tips and tricks can help keep you on track.
The Financial Aid and Awards Office offers free seminars on budgeting throughout the year – check out the event listings on the FAAO landing page.
Scholarships and Awards are types of financial support that students do not have to pay back. They can be based on academic achievement, financial need and sometimes other types of activities like community service or involvement in school life. So, where can a student find these types of funds? Check out our information page that has up-to-date information and useful links for students in bachelor’s programs.
Students in graduate-level programs should visit the Graduate Funding information page.
Government student aid is a form of financial assistance that helps students and families pay for post-secondary education. It is based on the difference between the cost of attending school and a family’s expected financial contribution. Government student aid may be gift aid, such as grants that do not have to be paid back, or it may be self-help aid such as loans that will need to be paid back after finishing school.
When considering borrowing, it is always advisable to keep debt to a minimum. While loans can be a great way to invest in your future, your future self will also thank you for keeping repayments manageable.
Concordia works with all provincial student aid programs, the Canada Student Loans Program as well as the U.S. Department of Education’s Federal Student Aid Program. Learn more.