Educational Funding

Educational Funding At PAT

Your education is one of the most important investments you’ll make in your lifetime, and we realize that you may need assistance in paying for tuition. Our Educational Funding Department will help you to navigate through the different funding options that may be available to you.

Financial assistance may be available for those who qualify.


Self-funding all, or part of your education, is one of the best ways to invest in your future. Perhaps you’ve set aside money over the years to invest in an education (RRSP,RESP), or you’re planning to work while in school. Your family and relatives can also be a source of financial support to consider. Arrangements may be made with PAT’s Educational Funding Department for full, weekly, bi-weekly or monthly payment of your tuition education.

Student Loans

Financial assistance may be available for those who qualify.  Click to learn more about the Ontario Student Assistance Program.

To best determine funding options that may be available to you, click to complete our PAT Funding Assessment 

Student Line of Credit

A Student Line of Credit gives you access to funds that you can use to pay for tuition and other expenses. With most student line of credit you only have to apply once, and the money is there for you to borrow as you need it. And, in most cases there are no annual or monthly fees – you pay interest only on what you borrow.

There are many Student Line of Credit programs offering a variety of specially designed programs.

  • Bank of Montreal – BMO Student Line of Credit.
  • TD Canada – Trust Student Line of Credit.
  • RBC Royal Bank – Royal Line of Credit for Student.
  • Scotiabank – ScotiaLine Personal Line of Credit for Students.
  • CIBC – Education Line of Credit.

Scholarships and Bursaries

PAT offers a variety of scholarships which are available to qualifying students. Bursaries and grants may also be available through the Provincial and Federal government.

Second Career Opportunity Scholarship

The Second Career Opportunity Scholarship helps eligible students to cover the gap between tuition and third party source funding programs.

Qualification criteria and conditions:

  • Applicants will be evaluated using a Second Career Opportunity compatibility form. In order to qualify for the scholarship candidates must attain a minimum of 16 points.
  • Applicant must provide a letter of recommendation from an employer or leader in the community.
  • Student must be in school through the midway point of the program in order to qualify for the scholarship. The scholarship amount will be credited to the student account at the midway point.
  • Students must be in good standing and have a minimum 90% attendance record for all courses completed through the midpoint of the program.
  • This scholarship may not be combined with other scholarships or promotional offers.
  • Not all programs are eligible for this scholarship.

The awarding of any of the above scholarships is conditional upon candidates meeting our admissions criteria. PAT reserves the right right to deny the awarding of any scholarship at its sole discretion and may do so without prejudice.

For further information on any of the options listed above, as well as other financial concerns, contact an Admissions Advisor at your local campus.


Click for the 2017 Ontario student loan default and repayment assistance usage rates in English and in French

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