Undergraduate Students

Scholarships, Grants, and Awards

Scholarships, Bursaries & Awards

We know finances can be a major factor in choosing a university. Trinity Western’s financial aid program includes merit- and need-based aid. About 97% of our students receive some form of financial aid, so take a look and see what opportunities are available for you.  

Academic Scholarships – $1,600 to $7,200 Per Year

These scholarships recognize students for their academic achievements and contribution to the Trinity Western community. 

Award Amount Per Year

  80% Course load 100% course load 120% course load
President’s Scholarship $4,800 $6,000 $7,200
Provost’s Scholarship $3,200 $4,000 $4,800
Dean’s Scholarship $1,600 $2,000 $2,400

Academic scholarship amounts are prorated by the number of credits enrolled each semester. 

120% course load = 18 credits per semester (approximately six courses) and 36 s.h. per year (approximately 12 courses) 

100% course load = 15 s.h. per semester (approximately five courses) and 30 s.h. per year (approximately 10 courses) 

80% course load = 12 s.h. per semester (approximately four courses) and 24 s.h. per year (approximately 8 courses) 

Note: Varsity student-athletes typically enrol in an 80% course load over five years. 

Eligibility

Incoming new and transfer students:Eligibility for an academic scholarship is based on the specific courses used to determine admission to the University. Students will be notified of their scholarship in their acceptance letter. 

Returning students: Eligibility for an academic scholarship is based on the cumulative GPA from credits earned at TWU upon the conclusion of the academic year. Refer here for academic requirements for students who entered TWU prior to the 2019-20 academic year.

Academic Requirements

  Incoming Canadian and Non-U.S. Students Incoming U.S. Students Incoming IB Diploma Students Returning Students
  High School (%) GPA (4.00 Scale) GPA (4.30 Scale) GPA (4.00 Scale) GPA (4.30 Scale) IB Points GPA (4.30 Scale)
President’s Scholarship 90.0 - 100 3.73 – 4.00 4.01 – 4.30 3.73 – 4.00 4.01 – 4.30 31+ 3.70 – 4.30
Provost’s Scholarship 85.0 – 89.9 3.50 – 3.72 3.76 – 4.00 3.50 – 3.72 3.76 – 4.00 29 - 30 3.30 – 3.69
Dean’s Scholarship 73.0 – 84.9 2.80 – 3.49 3.00 – 3.75 3.25 – 3.49 3.49 – 3.75 26 - 28 3.00 – 3.29

Apply 

Incoming new and transfer students: Complete the admissions application and submit all required documents. 

Returning students: Apply for an academic scholarship. 


Trinity Western Founder's Scholarship – $5,000 One Time Award

This scholarship is in honour of the founders of Trinity Western University, whose vision and perseverance helped established Canada’s first Christian university. The Founder’s Scholarship recognizes up to ten outstanding students who exemplify the mission of TWU through academic excellence, integrity, compassion for the vulnerable, and a desire to engage the world's deepest needs.  

Eligibility 

Applicants must be entering a traditional undergraduate program directly out of high school as a full-time student. 

Applicants must demonstrate strong academic ability. Students should have a minimum TWU admissions average of 85%. 

Apply 

Application and supporting documentation must be received by April 1.  


Musical Arts Scholarship – Up to $3,000 Per Year

Limited scholarships are available to incoming new and transfer students who demonstrate outstanding talent in vocal, instrumental, or piano performance. Recipients will be selected by the faculty from the Department of Music. See Musical Arts Scholarship page for additional information. 

Eligibility 

Students must be pursuing a Bachelor of Arts in Music. For renewal, students must maintain a minimum 3.0 GPA, and participate in private lessons with principal instrument and a large ensemble (for singers, one of the choirs; for most instrumentalists, the concert band; for string players the orchestra) in each semester.  Beginning in the second year, students must participate in a small ensemble (vocal or instrumental, as deemed appropriate) for all remaining semesters of the award. 

Apply 

Application and audition materials must be received by April 1.


Athletic Scholarship (Amount Varies)

TWU offers athletic financial awards to student-athletes who are on the competition roster of a TWU Spartan’s varsity team.  Recipients are selected by the TWU Athletics department. Athletic financial awards will be administered in accordance to all Canadian University Sports (U Sports) regulations. Note: Incoming students who are entering TWU from high school must attain an 80% average on the courses used to determine admission to be eligible for an athletic scholarship. If the academic requirement is not met, the athletic scholarship will be put on hold until the student has completed a minimum of 18 credits at TWU with a minimum 2.0 GPA. 

For more information about our TWU Spartan’s varsity teams, visit gospartans.ca.


TWU Grant (Amount Varies)

TWU provides financial assistance to students who demonstrate financial need.  The TWU Grant is generally the final component of a financial aid package, supplementing remaining need after other institutional scholarships have been applied. 

Eligibility

Students must be a citizen or permanent resident of Canada or the United States. 

Students must demonstrate financial need as assessed by the Financial Aid Office. 

Apply

Complete the Financial Need Assessment.  We recommend submitting the assessment by March 15 for maximum award consideration. 


Endowment Awards (Amount Varies)

Endowment awards are established by donors of the University and are based on a variety of criteria including financial need, academic program, and many other student characteristics. 

See full listing of endowment awards. Use drop down box to refine search. Select New/Transfer to see awards for incoming students or select Returning to view awards for current students. Please note that the awards and amounts are subject to change year to year. 

Eligibility 

Although most endowment awards are reserved for returning students, there are specific awards available to incoming students as well. Recipients are selected based on the student’s match with the donor’s award criteria. 

Apply 

Both Financial Need Assessment and Endowment Award application must be completed by March 15 to receive priority. Endowment applications received after March 15 will be considered depending on the availability of awards. 


Church Matching Grant – Up to $2,000 Per Year

TWU will match up to $2,000 of church sponsorship for students who demonstrate financial need.  

Eligibility 

Students must demonstrate financial need as assessed by the Financial Aid Office. 

Students must receive financial support from a church. 

Apply 

Complete the Financial Need Assessment 

Complete the Church Matching Grant Application or the EFCC Prairie District Church Matching Grant

The church sponsorship cheque must be written out to Trinity Western University and attached to the application. 

Deadline 

Application and check should be received by October 1 for students enrolled for the full year or fall semester only or February 1 for students enrolled in the spring semester only. 


Green Bay Bible Camp Scholarship – Up To $2,000 Per Year

Scholarships available for camp leaders at Green Bay Bible Camp in Kelowna, BC. 

Eligibility

Students must enrol in full-time studies with a minimum cumulative GPA of 2.0. 

Apply 

Complete the application form and send to awards@twu.ca 

Deadline 

Application should be received by September 15 


Southern Alberta Bible Camp Scholarship - $5,000 Per Year

Scholarships are available to TWU students who serve as camp leaders at Southern Alberta Bible Camp in Lomond, Alberta.

Eligibility 

Students must enrol in full-time studies with a  minimum cumulative GPA of 2.0.

Apply 

Complete the SABC Scholarship application.

The sponsorship cheque must be written out to Trinity Western University and attached to the SABC Matching Grant application. 

Deadline 

Application and check should be received by October 1 for students enrolled for the full year or fall semester only or February 1 for students enrolled in the spring semester only. 


Muskoka Woods Scholarship – Up To $2,000 Per Year

The Muskoka Woods Scholarship is available to students who have served as summer staff at Muskoka Woods.  

Eligibility

Students must enrol in full-time studies with a minimum cumulative GPA of 2.0.

Apply

Email the Financial Aid Office at awards@twu.ca for an application.

Deadline 

The Muskoka Woods Grant application must be received by September 15 for students enrolled for the full year or fall semester only or December 1 for students enrolled in the spring semester only. 


The financial aid and awards listed on this page apply to students enrolled full-time in traditional undergraduate degree programs. Note the Adult Degree Completion program, the U1 Program, and English training programs are not eligible. 

 

The Financial Aid Office recommends exploring scholarship opportunities offered by external organizations. A good starting point is with your high school guidance counselor.  Other organizations that may offer scholarships are clubs, associations, community agencies and ethnic community groups. Below are additional tools you can use on your search for additional external scholarship funding.

External Scholarship Resources and Search Tools

Please note these are external sites and are not managed by Trinity Western University. 

Additional scholarship opportunities are posted on our scholarship board in the Mattson Centre.

International students in traditional undergraduate programs are eligible for many forms of TWU financial aid; you can view the financial aid offered by TWU here. The exception to this is the TWU Grant, for which non-U.S. international students are ineligible

Non-traditional programs such as the BA in Leadership and “pathway” programs such as Trinity Language Center are ineligible for financial aid.

University Transitions is also ineligible for financial aid; however, once students have completed University Transitions (usually at the end of their first year at TWU), they are considered a traditional undergraduate student, and are able to apply for financial aid.

Student Loans

Your government loan is an agreement between you and the provincial/federal government. Therefore, you are responsible for being informed of the details of your loan such as the funding amount, any required documents, the disbursement dates, and following up on any details that are unclear. This also includes assuming responsibility and following up if your loan has been delayed for any reason.

Students in eligible programs with Canadian citizenship, permanent residency or protected person status in Canada may be eligible for student loan and grant funding through their province of residency. Residency is defined as the last province you or your parents have lived for 12 continuous months without you being a full-time post-secondary student. Canadian student loan and grant programs are based on financial need, which is determined by a standardized government assessment.

Before applying for a student loan, students must determine whether to apply for a full-time loan or a part-time loan.

  • If you will be registered in a 60% course load (9 semester hours) or above, you may apply for a full-time loan.
  • If you are registered in a 20% to 53% course load (3 semester hours to 8 semester hours), you may apply for a part-time loan.
  • If you are eligible for a full-time loan one semester and a part-time loan the other semester, you must apply for two separate loans.
  • If you have a documented permanent disability, you may apply for a full-time loan at a 40% course load (6 semester hours).

Loan funding should be considered as a supplement to other resources you may need to cover all your educational and living costs.  We highly recommend developing a financial plan to ensure you have enough funding for the duration of your studies.


BC Student Loans

How to Apply

  1. Apply online through StudentAid BC to be considered for both federal and provincial student loan and grants.  The application for classes starting after August 1 will be available in early June.
  2. Refer to the course load guide to make sure you have enrolled in enough semester hours to be eligible for funding.
  3. Complete your application at least two months before classes start to receive your funding at the beginning of the semester.
    • Note: If you are a first-time loan borrower you will need to have your identity verified by Service BC before you can access the loan application through Student Aid BC dashboard.
  4. Review your Notification of Assessment (NOA) which is posted to your Student Aid BC dashboard after your student loan application has been assessed.
  5. If you are applying for a student loan for the first time, (or haven’t received loan funding for a period of 2 years or more) submit the Master Student Financial Assistance Agreement (MSFAA) in a timely manner. A late submission will delay your loan disbursement.

Confirming Enrolment and Receiving Your Student Loan

The National Student Loans Service Centre (NSLSC) administers your loan on behalf of the federal and provincial government.  After your MSFAA has been processed by NSLSC, a request will be sent electronically to TWU to confirm your enrolment.

Note: the earliest we receive the request to confirm your enrollment is a few weeks before classes begin each semester.

After your MSFAA has been processed and your enrolment has been confirmed, your funds will be either deposited electronically into the bank account you have specified or a cheque will be mailed to your address on file. The deposit usually occurs within seven business days of the confirmation of enrolment date. If you have any concerns about your loan funds arriving after your first payment is due, please contact the Office of the Registrar.

Interest Free Status

Students not studying during the summer semester do not need to apply for interest free status. If you intend on returning to TWU during the fall semester and do not intend on applying for another BC student loan, please see below.

Returning students who receive further student loan funding

If you receive additional student loan funding, you will not have to begin repayment and the federal portion of your Canada-B.C. integrated student loan will be placed into in-study interest-free status if the Schedule 2 Confirmation of Enrolment has been received and approved by the National Student Loans Service Centre (NSLSC).

Returning students who are not receiving further student loan funding

If you are a returning student and are not receiving further student loan funding, you must apply to maintain your in-study interest-free status by submitting an online application via the NSLSC online portal or submit a paper Schedule 2 application to the NSLSC. One application will defer both your outstanding Canada student loan and your B.C. student loan from entering into the repayment phase.

For eligibility for interest free status, please see loan eligibility listed above. If you do not meet eligibility for interest status and are experiencing difficulties with repayment, please see NSLSC’s information on the Repayment Assistance Program (RAP).

Frequently Asked Questions

  • What if I drop below 60 percent course load (or 40 percent for students with permanent disabilities)?

To remain eligible for your funding or for interest free status, you must complete a minimum of 9 semester hours per semester for undergraduate programs and a minimum of 6 semester hours per semester for graduate programs for the entire study period you have received funding.  If you intend to drop a course or audit a course, we advise to check in with the Financial Aid & Awards Office to ensure it does not affect your eligibility for loans.

Make sure you attend all classes, hand in all assignments, and write all the exams; otherwise you may be considered withdrawn from the course and potentially drop you below the minimum course load level.

Dropping below the minimum course load will result in a reassessment and may result in an overaward.

An overaward occurs when a student receives more assistance than they are eligible to receive. This may be caused by a reassessment on an application due to new information received, an audit being conducted by StudentAid BC, a withdrawal from full-time studies or other reasons. In most circumstances, students will have a loan overaward deducted from any future loan entitlement.

  • What if I’m enrolled in courses at TWU and another institution (split-enrolment)?

If you are enrolled in courses at TWU and at another institution concurrently, this is referred to as split enrolment. You may be eligible for loan funding provided that the course is for credit at a designated school and is essential to your degree at TWU.  The course(s) must have a start and end date within the study period you are receiving funding for.  Open learning courses are not eligible.

You will need approval from the Financial Aid & Awards office by completing the split enrolment approval form.


Out-of-Province Canadian Loans

Students must apply for a student loan through the province you must apply to the province in which they are considered to be a resident.  Residency is defined as the last province you or your parents have lived in for 12 continuous months without you being a full-time post-secondary student. If you have residency in a province or territory outside of BC, please follow the link below corresponding with your place of residency:

When completing your loan application, you may be required to have a Program Information Form completed by our Financial Aid Office. For some provinces such as Ontario, we receive an electronic request to complete this form; but for other provinces, such as Saskatchewan or PEI, you will be required to send us the paper copy to fill out and submit for you. Applications, such as BC and Alberta, will have you select the program from a drop-down menu and will already have our tuition costs in their system.

Confirming Enrolment and Receiving Your Student Loan

The National Student Loans Service Centre (NSLSC) administers your loan on behalf of the federal and provincial government.  After your MSFAA has been processed by NSLSC, a request will be sent electronically to TWU to confirm your enrolment.

Note: the earliest we receive the request to confirm your enrolment is a few weeks before classes begin each semester.

After your MSFAA has been processed and your enrolment has been confirmed, your funds will be either deposited electronically into the bank account you have specified. The deposit usually occurs within seven business days of the confirmation of enrolment date.

Interest Free Status

Returning students who receive further student loan funding

If you receive additional student loan funding, you will not have to begin repayment and the federal portion of your Canada-B.C. integrated student loan will be placed into in-study interest-free status if the Schedule 2 Confirmation of Enrolment has been received and approved by the National Student Loans Service Centre (NSLSC).

Returning students who are not receiving further student loan funding

If you are a returning student and are not receiving further student loan funding, you must apply to maintain your in-study interest-free status by submitting an online application via the NSLSC online portal or submit a paper Schedule 2 application to the NSLSC. One application will defer both your outstanding Canada student loan and your B.C. student loan from entering into the repayment phase.


Ineligible Programs

Student loan funding is limited to students enrolled in full-time programs leading to a formal credential such as a certificate, diploma, or degree.  Programs that are only offered on a part-time basis, or programs that are specifically designed to meet the needs of the full-time members of the workforce (such as Executive Programs) are ineligible for government student loans.  Note: if your program is ineligible for student loan funding, it is also ineligible for interest-free status.

The following programs are ineligible for government student loan funding:

Certificate Programs

  • Project Management Professional Program
  • Graduate Certificate in Christian School Education
  • Certificate in Geographic Information Systems
  • Graduate Certificate in Educational Leadership
  • Graduate Certificate in Biblical Studies and Christian Thought
  • Graduate Certificate in Leadership

Undergraduate Degree Programs

Casual Studies (student enrolled in classes specifically to meet the entry requirements for a program that leads to a degree or credential may be eligible as Qualifying Studies.

Graduate and Doctoral Degree Programs

  • Executive MBA
  • MBA – Management of the Growing Enterprise specialization
  • MBA – Non-Profit and Charitable Organization Management specialization
  • Master of Arts in Educational Studies – Special Education
  • Master of Arts in Leadership
  • Master of Science in Nursing (MSN)
  • Doctor of Ministry

Disclaimer: The Financial Aid Office keeps this list as up to date as possible, however, program changes can occur without the knowledge of the Financial Aid & Awards office.  Please contact us if you have concerns about the eligibility of your program.


Student Line of Credit

How are student lines of credit different than government loans?

The main difference between a student line of credit and the government student loan program is in how the interest accumulates and the loans are repaid. If you qualify for a student line of credit, you will usually be responsible for all the interest that accrues as soon as you take funds from your line of credit. If you do not take any funds from your line of credit, there will be no interest. In addition, you will usually have to make monthly interest payments while you are in school. In contrast, if you qualify for a government student loan, you will not accrue interest provided you are enrolled as a full-time student, and you take the appropriate steps to update your enrolment information with the National Student Loan Service Centre (for Out of Province loans). For BC residents, apply for interest free status via StudentAid BC. You would not make any monthly payments either, if you notify your service providers that you are attending school full-time.

Additionally, a line of a credit is a set amount, whereas students may apply for a student loan each academic year.

Recommendation 

Due to the advantages offered by the government student loan program, we recommend you apply for a government loan first before looking at student lines of credit. If you do decide to pursue private funding sources, be sure to shop around and research the terms and conditions carefully as they can vary between financial institutions. A co-signer may also be required.

TWU is an approved Title IV institution, which allows eligible US students to access the Federal Direct Loan Program.

However, since TWU is considered a foreign school by the U.S. Department of Education, students are not eligible for Pell Grants or Perkins Loans.

Federal Direct Loan Program

At TWU, the loans available through the Federal Direct Loan program are Direct subsidized and Direct unsubsidized loans, as well as Parent and Graduate PLUS loans.

Student Eligibility

To be eligible for a Direct Loan you must:

  • Be a US citizen, national, US permanent resident, or an eligible non-citizen
  • Demonstrate satisfactory academic progress while attending TWU.
  • Have a valid Social Security Number
  • Comply with the US Selective Service System registration requirements
  • Have completed a high school diploma or equivalent

Program Eligibility

You must be registered in at least 6 semester hours per semester (5 semester hours for graduate programs), in an eligible program at TWU. The following are not eligible for Direct Loans:

  • BSc. and MSc. in Nursing
  • BA and MA in Linguistics
  • BSc. In Biotechnology
  • Laurentian Leadership Centre programs
  • Study abroad or student exchange programs
  • Online programs 
  • Online courses, correspondence courses, directed and independent studies courses. 
  • Internships, with exceptions being teacher placements and counselling placements for Masters’ programs. Please contact the Financial Aid Office if you plan on taking an internship outside of these exceptions.

It is the student's responsibility to enroll in eligible programs, and to be familiar with Federal Student Aid eligibility requirements for foreign schools.  If you enrol in an ineligible course, your program will become ineligible for Direct Loan funding. If you plan to study in any of these programs, then you can look into private loan options.

Documents & Policies

Direct Subsidized & Unsubsidized Loans

Students may be eligible to receive a combination of subsidized and unsubsidized loan funding. Visit Federal Student Aid for more info on subsidized/unsubsidized loans.

Direct Subsidized Loans

  • Must demonstrate financial need, which is calculated by subtracting the EFC (Expected Family Contribution) from cost of attendance.
  • Interest-free while you are in school at least half-time
  • Available to undergraduate students only

Direct Unsubsidized Loans

  • Available to undergraduate and graduate students
  • Not based on financial need
  • Interest is charged from the date the funding is disbursed into the student’s account
  • Choose to pay interest while in school or added to the principal balance of the loan

Direct Subsidized & Unsubsidized Loan Amounts

Maximum amounts depend on whether you are a dependent or independent student.  The U.S. Department of Education has set yearly loan limits as well as aggregate (lifetime) limits.

Annual Loan Limits

Year

Dependent Students

Independent Students

First-year

$5,500 – No more than $3,500 of this amount may be in subsidized loans

$9,500 – No more than $3,500 of this amount may be in subsidized loans

Second-year

$6,500—No more than $4,500 of this amount may be in subsidized loans.

$10,500 – No more than $4,500 of this amount may be in subsidized loans

Third-year and beyond

$7,500 – No more than $5,500 of this amount may be in subsidized loans

$12,500 – No more than $5,500 of this amount may be in subsidized loans

Graduate students

Not applicable

$20,500 (unsubsidized only)

Interest Rates & Fees

Visit Federal Student Aid for current interest rates and fees.


Parent & Graduate Plus Loans

Parents of eligible dependent children studying at the undergraduate level as well as graduate students studying at least half-time can apply for PLUS loans.

  • Not based on financial need
  • Interest is charged from the dates the funds are disbursed into the student’s acccount. 
  • A credit check assessment by the US Federal Government is required.

Visit Federal Student Aid for more info on Parent/Graduate PLUS Loans.

Plus Loan Amounts

The maximum PLUS loan amount you can borrow is TWU's calculation of your cost of attendance minus any other financial aid (including subsidized and unsubsidized loans).

Interest Rates & Fees

Visit Federal Student Aid for current interest rates and fees.


How to Apply

Applying for a US Loan at TWU is different than schools in the U.S.  As a foreign school, we are not notified if you have submitted the MPN (Master Promissory Note). Apply for your loan at least 6 weeks prior to the start of the semester to ensure funding will arrive by the first week of classes.

All the steps below must be completed in order for your loan to be processed.  TWU will not be aware that you are applying for a U.S. loan until we receive the US Loan Request Form.

Steps to Apply

  1. Complete the FAFSA form. Remember to add Trinity Western University by using school code G09486. 
  2. Complete a Master Promissory Note (MPN) at Federal Student Aid for each loan type you are applying for.  There are separate MPN’s for subsidized/unsubsidized and PLUS loans.
  3. If this is your first Direct loan application at TWU, complete your entrance counselling session at Federal Student Aid.
  4. If you are applying for a Parent or Graduate PLUS Loan, complete your application at Federal Student Aid.
  5. Submit the US Loan Request Form(s).
  6. Your loan will not be processed until this form has been received. Please send the completed form to awards@twu.ca 
Exit Counselling

Exit counselling is required when you graduate, leave school, or drop below half-time enrollment. Exit Counselling provides important information preparing you for federal student loan(s) repayment. This can be completed at Federal Student Aid.  


Repayment

Understanding the repayment process for your federal student loans can go a long way toward building a solid financial foundation. Remember, federal student loans are real loans, just like car loans or mortgages. You must repay a student loan even if your financial circumstances become difficult. Payments are arranged through your loan servicer. Each servicer has its own payment process, so check with your servicer if you aren’t sure how or when to make a payment. You are responsible for staying in touch with your servicer and making your payments, even if you do not receive a bill. Find out more about repayment of your federal student loans

Grace Period

The grace period is a set period of time after you graduate, leave school, or drop below half-time enrolment before you must begin repayment on your loan. The grace period gives you time to get financially settled and to select your repayment plan. Direct Subsidized and unsubsidized loans have a six-month grace period However, not all federal student loans have a grace period. Note that for most loans, interest will accrue during your grace period.

Choosing a Repayment Plan

You have a choice of several repayment plans that are designed to meet your needs. The amount you pay and the length of time to repay your loans will vary depending on the repayment plan you choose. Get details about repayment plans and calculate your estimated repayment amount under each of the different plans.

Loan Consolidation

You can apply to have your loans consolidated to one Loan Servicer. It may be easier to manage your finances if you are making payments to only one Servicer.

Deferment & Forbearance

Deferment and forbearance offer a way for you to temporarily postpone or lower your loan payments while you’re back in school, in the military, experiencing financial hardship, or in certain other situations. Find out more about deferment and forbearance.


U.S. Private Loans

We recommend that you borrow through the federal student loan before considering private loan options.  You can learn about the difference between US Federal Direct Loan program and private loans at Federal Student Aid. There are a limited number of lenders available for students who are studying outside of the US.  We strongly encourage you to explore your options thoroughly.  TWU does not have a preferred lender for private loans.

Email awards@twu.ca if you are pursuing a private loan option so that we can review your borrowing amount and repayment responsibilities.

Canadian government student loans are only available to Canadian citizens and permanent residents, we recommend that students research loan options in their home country. Banking institutions in Canada may offer student lines of credit to those who have a credit history in Canada.

Tuition & Costs