Country guides

Study in Canada: PGWP, costs, and choosing your province

By Study With Money Team · 3 min read · Published 18 Sept 2026 · Updated 22 Oct 2026

How the post-graduation work permit shapes your Canadian plan, plus honest budgets and scholarship paths.

<h2 id="design-around-the-pgwp" class="mt-8 mb-3 text-xl font-bold text-navy-900">Design around the PGWP</h2> <p class="mb-4 leading-7 text-slate-700">Canada's post-graduation work permit lets eligible graduates work for up to <strong>3 years</strong> after a qualifying program of at least 2 years (shorter programs earn shorter PGWPs — check eligibility). That makes program length a strategic decision, not just a cost one.</p> <h2 id="costs-by-province" class="mt-8 mb-3 text-xl font-bold text-navy-900">Costs by province</h2> <ul class="mb-4 list-disc space-y-1.5 pl-6 text-slate-700"> <li><strong>Toronto/Vancouver:</strong> tuition CAD 25,000–60,000; living CAD 1,400–2,000/month</li> <li><strong>Waterloo/Ottawa/Montreal:</strong> tuition similar, living 15–25% lower (Montreal's French angle adds opportunity)</li> <li><strong>Atlantic provinces &amp; Manitoba:</strong> meaningfully lower tuition and living, with friendlier permanent-residence pathways</li> </ul> <h2 id="scholarships-and-funding" class="mt-8 mb-3 text-xl font-bold text-navy-900">Scholarships and funding</h2> <ul class="mb-4 list-disc space-y-1.5 pl-6 text-slate-700"> <li><strong>Vanier CGS</strong> and university-funded doctoral packages for research students</li> <li>Provincial and institutional entrance awards — check each university's award pages</li> <li>Research-based master's often come with supervisor funding packages; contact professors directly</li> </ul> <h2 id="the-rules-that-changed-recently" class="mt-8 mb-3 text-xl font-bold text-navy-900">The rules that changed recently</h2> <p class="mb-4 leading-7 text-slate-700">Caps on study permits and PGWP field-of-study rules have been evolving — verify the current requirements on the official IRCC site before you commit to a program. This is the single most important verification step for Canada.</p> <h2 id="working-during-study" class="mt-8 mb-3 text-xl font-bold text-navy-900">Working during study</h2> <p class="mb-4 leading-7 text-slate-700">Students may work up to <strong>24 hours/week off-campus</strong> during terms (2024 update) and full-time in scheduled breaks. Co-op terms are full-time by design — Waterloo's model.</p> <h2 id="after-graduation" class="mt-8 mb-3 text-xl font-bold text-navy-900">After graduation</h2> <p class="mb-4 leading-7 text-slate-700">PGWP → Canadian work experience → Express Entry or Provincial Nominee programs. Plan your province with the PR pathway in mind, not just the degree.</p>

Official links used for this guide

Related guides