Program Cost
Financing Your Education
Government Student Loans
Student Aid is designed to supplement other form of resources that a student may have. This program is not meant to cover all expenses. Both loans and grants are available to help you access and pay for post-secondary education. Grants are non-repayable, but loans have to be paid back. Repayment starts six months after you leave school. All student loans are interest free. With one application, StudentAidNL will assess you for both federal and provincial financial assistance.
For more information on student aid or to apply visit: www.gov.nl.ca/studentaid
Lines of Credit
Many banks offer professional lines of credit for students. A line of credit gives you access to a specific amount of money that you can withdraw as you need it. Interest is paid only on the money you withdraw. Unlike government student loans, these lines of credit require you to start paying interest right away, so these payments need to be built into your budget.
Unless you're a mature student, banks will require a co-signer for your application. By co-signing, they are agreeing to be responsible for paying back the loan if you are unable to.
Here are some local contacts for lines of credit:
|
Institution |
Contact |
|
|
BNS |
David Smith |
|
|
TD Canada Trust |
Gus Doyle |
|
|
Grant Maddigan |
||
|
RBC, University Centre, Level 3 |
Jane Baird |
Tips
- Shop around.
- Don't be shy. If you like one bank over another, but find a better offer at another bank, ask your preferred bank to match it.
- Know what you are agreeing to. Ask questions to ensure you understand exactly what they are giving you and when you are expected to make payments.
Managing Your Money
Tuition
- Tuition Fees - PharmD - Tuition is comprised of base tuition ($216/Credit hour) + Clinical Fee each semester.
- International students pay international base tuition ($721/Credit hour) + Clinical Fee each semester.
Estimated Program Costs
Estimated cost of the PharmD degree program for domestic students: 2024–2025
| Item | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total |
| Tuition1 | $ 13,900 | $ 14,394 | $ 14,277 | $ 15,530 | $ 15,342 | $ 73,443 |
| Student Union fees | $ 127 | $ 127 | $ 191 | $ 191 | $ 191 | $ 827 |
| CFS | $ 19 | $ 19 | $ 19 | $ 19 | $ 19 | $ 95 |
| Media fee | $ 8 | $ 12 | $ 12 | $ 12 | $ 8 | $ 52 |
| Health2 | $ 336 | $ 504 | $ 504 | $ 504 | $ 336 | $ 2,184 |
| Dental3 | $ 189 | $ 284 | $ 284 | $ 284 | $ 189 | $ 1,230 |
| Campus renewal fee4 | $ 750 | $ 750 | $ 750 | $ 750 | $ 500 | $ 3,500 |
| Student services fee | $ 100 | $ 150 | $ 150 | $ 150 | $ 100 | $ 650 |
| Recreation fee | $ 143 | $ 214 | $ 214 | $ 214 | $ 143 | $ 928 |
| Instruments and books5 | $ 500 | $ 500 | $ 500 | $ 500 | $ 500 | $ 2,500 |
| UG Student Refugee Program | $ 4 | $ 6 | $ 6 | $ 6 | $ 4 | $ 26 |
| CPNL fees6 | $ 76 | $ 76 | $ 76 | $ 76 | $ 76 | $ 380 |
| PANL insurance7 | $ 58 | $ 58 | $ 58 | $ 58 | $ 58 | $ 290 |
| TOTAL | $ 16,210 | $ 17,094 | $ 17,041 | $ 18,294 | $ 17,466 | $ 85,275 |
1 International tuition rates apply to international students.
2 Students who have alternative health coverage may opt out of the plan(s) by completing a Waiver of Participation form.
3 Students who have alternative dental coverage may opt out of the plan(s) by completing a Waiver of Participation form.
4 The Campus Renewal Fee was paused for the academic year commencing September 2024 to August 2025. To be confirmed for 2025-2026.
5 Estimate
6 Based on 2025 fee schedule and includes HST - payable directly to CPNL.
7 Based on 2025 fee schedule and includes HST - payable directly to PANL.