The Worst Universities in Canada To Attend in 2023 – Loans for Stock in Canada

On September 21, 2023

Choosing where to go to school is one of the most important decisions a young person can make.

Unfortunately, it’s not an easy decision. There are a million factors to consider, from tuition cost to distance from home to the quality of the post-secondary institution and even the safety of the city. And then there are personal matters that factor into the decision. Do you like the campus? Where are your friends going?

There are a million things to consider. Choosing the right university is a big deal that would be hard for a 40-year-old adult to make, never mind a 17-year-old high school senior. Yet we often put these kids into the almost impossible situation of choosing their desired school.

The worst universities in Canada is often personal

Another thing that makes a choice even more challenging is often, a school can be a solid choice for one major but a poor choice for another. A school with good degree programs can struggle with graduate programs, and vice versa. Or the campus experience can be excellent while the classroom experience stinks. Even a rouge professor or two can derail one’s academic career. 

A poor choice has consequences. Picking the wrong school can put a new graduate needlessly into massive amounts of debt or unable to find a job in their field. And that’s assuming they even get that far. After all, thousands of students drop out each year for countless reasons. 

Many resources tell students the finest schools in Canada, saying they should attend institutions like McGill University, the University of British Columbia, or the University of Toronto. These prestigious institutions are already well-known for being excellent, and there isn’t much value in regurgitating that fact.

Instead, let’s look at some of Canada’s worst-ranked universities. Remember, rankings like this one are subjective. These schools have thousands of happy graduates. They’re not bad schools. They’re worse than the competition.

What are the worst ranked universities in Canada?

University of LethbridgeUniversity of New BrunswickUniversity of ReginaUniversity of Northern B.C.St. Mary’s UniversityNipissing UniversityCape Breton UniversityBrandon UniversityUniversite de MonctonUniversity of Winnipeg

10. University of Lethbridge

Like every school on this list of worst Canadian universities, the University of Lethbridge is a solid school with good education opportunities. It’s well-known for its strength in programs like medicine and education. It has quietly become one of Alberta’s most prominent schools, with more than 8,000 students on campus. 

But it also has significant issues. Although Lethbridge is a significantly cheaper place to live than Montreal or Toronto, it’s still a small city, a long way from home for most attendees. Lethbridge has fewer amenities than larger cities, meaning many students need a car — a significant expense. 

The school’s relatively small size also means it doesn’t have as many options as larger schools. Combine that with a 73.9% graduation rate — lower than other top Alberta universities –, and it combines to make Lethbridge a relatively worse place to attend. Many Alberta students choose the University of Calgary instead.

9. University of New Brunswick

The University of New Brunswick is the province’s largest university, with campuses in both Fredericton and St John, which combine to host nearly 10,000 students. It is Canada’s oldest university and one of the oldest in North America, tracing its history back to 1785.

UNB is known for offering solid engineering and forestry programs but struggles in many other areas. Other student complaints include a too quiet campus, which is exasperated by splitting the school between St John and Fredericton. It also has a low graduation rate, with only 63% of students completing their studies. 

The school’s age doesn’t translate into recognition, either. The university gets solid grades across Canada as a decent place to go to school, but it won’t impress many prospective employers.

8. University of Regina

The University of Regina is located in Saskatchewan’s capital city, hosting more than 16,000 students annually. It is noted for its nursing, business, and agricultural programs. It also has one of the most significant proportions of international students in any university in Canada.

Many students who went to both schools much prefer the University of Saskatchewan in Saskatoon. Regina’s issues include a lacklustre campus, below-average educational experience, outdated and broken lab equipment, and many aren’t happy with the school’s lack of food options. 

U of R also has one of the highest tuition rates in Canada, a strategy some say is in place so the school can continue to focus on wealthy international students at the expense of locals. And it also has a low graduation ratio, with just 58.5% of students graduating. The University of Saskatchewan, meanwhile, boasts a graduation ratio of 67.1%. 

7. University of Northern B.C.

The University of Northern B.C. is located in Prince George, British Columbia. It has a current enrolment of a little over 4,000 students. It is one of Canada’s newest universities, only offering courses since 1992. It is renowned for its medical program, a rarity for a school UNBC’s size.

Most students like the school’s campus, which is located on a hill overlooking the city. But many complain that there isn’t much to do there, and meal options are too basic. The school also doesn’t offer too many different programs, meaning it isn’t a fit for many. And it also struggles with a low graduation rate. Only 61.1% of students graduate, one of the lowest ratios in the nation.

UNBC might be a solid choice for folks in the area. Still, it likely isn’t a good choice for students looking for a more traditional university experience. 

6. St. Mary’s University

St. Mary’s University is located in the south end of Halifax, Nova Scotia. It is one of Canada’s oldest universities, tracing its history to the early 1800s. Despite its age, St. Mary’s has stayed a small school; current enrolment is around 6,000 students. Prominent programs offered by the school include chemistry and business. 

While St. Mary’s is a decent school and quietly earns respectable marks in the top university rankings, it also has several downfalls. It is a small campus and doesn’t offer a huge variety of undergrad programs, at least compared to larger schools in the area. It also has a reputation for inflating grades, although that negative is a positive attribute to some. It has a high acceptance rate and suffers from a low graduation rate as well. Just 54.2% of students end up graduating. 

St. Mary’s is a good university overall. Still, many suggest the issues above have contributed to keeping St. Mary’s a smaller school. 

5. Nipissing University

Nipissing University is a small public university located in North Bay, Ontario. It features small classes, accessible professors, and an intimate campus with just 3,800 full-time undergraduates. You’ll get to know your classmates here. Although North Bay is one of the cheapest places to live in Ontario, the school isn’t much to write home about.

The school is an integral part of the area, allowing thousands of Northern Ontario undergrads to attend a school much closer to home than Toronto-based schools like Ryerson University. Having an option close to home can save a student thousands in housing and transportation costs.

But there are a few problems, and they’re relatively big ones. Nipissing struggles with issues like it only offers limited courses, with graduate-level courses even rarer. It has high admission and low graduation rates, with the latter at just 71%. North Bay is a small city, meaning it has limited amenities. It has only been a university since 1992, meaning it doesn’t have the prestige of an older school. 

Putting those together makes Nipissing a solid choice for a small number of Northern Ontario students. Most others should look for another school. 

4. Cape Breton University

Cape Breton University is located on Cape Breton Island in Nova Scotia, in Sydney. Many choose the school because of its low tuition and inexpensive housing. 

But, as the adage goes, you get what you pay for. The campus is somewhat remote, with poor public transit options, making it a poor choice for many students. It’s primarily an undergraduate school, meaning there are virtually zero graduate programs once students earn their undergrad degrees. The local economy is also somewhat poor, meaning more competition for part-time jobs while studying or full-time work once graduation.

Finally, CBU suffers from poor graduation rates. 58.9% of students graduate, suggesting both admission requirements are too lax and the school’s student services could be improved.

3. Brandon University

Brandon University is an intimate school in the medium-sized city of Brandon, Manitoba. Despite its small size — it has less than 3,000 full and part-time students — the school is well known for its undergrad liberal arts programs, especially music. It also traces back to 1899, founded as a small Baptist college.

Like many other universities on this list, Brandon’s small size is good and bad. The city of Brandon has around 50,000 people, meaning students who move there won’t get much in the way of other amenities. It also means most graduates will be forced to leave to find a job.

Facilities such as the campus, library, and living conditions are consistently rated as rather basic. Students will find the faculty accessible — small class sizes are a plus here — but you’ll have to head to a larger school to be taught by the best in your chosen field. And worst of all is the school’s low graduation rate. Only 46% of attendees end up graduating.

Students looking for anything besides music may be better off heading to the University of Saskatchewan or the University of Manitoba. 

2. Universite de Moncton

The Université de Moncton is a French-language school with campuses in several cities in New Brunswick but primarily located in Moncton, the province’s second-largest city. Like many other schools in the maritime provinces, it features cheap tuition and inexpensive housing, significant advantages for students looking to minimize post-graduation debt.

Unfortunately, this French school comes with several disadvantages. The first is the mass appeal of the school. English-speaking students can’t attend, and there’s little demand for French employees outside Quebec. This limits job opportunities for grads. Moncton is also a small city with little to do outside campus.

Université de Moncton also suffers from a low graduation rate. Only 58.4% of students graduate, one of the lowest rates in Canada.

1. University of Winnipeg

The University of Winnipeg is a large, primarily undergraduate university in Manitoba’s largest city. It has some 340 academic staff and more than 10,000 undergraduate students. 

No one thing gives the University of Winnipeg the lowest ranking, but there are many little things. Some more apparent reasons the school is at the bottom of this list include low graduation rates (under 50% of undergrads earn their degrees), a campus and student housing many say is in an unsafe area and a real lack of graduate level courses. Less than 300 graduate-level students are attending the school today. Many report parking at the downtown Winnipeg campus is continually an issue, too. 

This all translates into the U of W having a somewhat poor reputation. This issue often rears its ugly head when graduates seek a job. Finally, the weather is a struggle, especially in the winter. Winnipeg can quickly dip below -40, including the wind chill. The weather is especially an issue for international students. Most are used to a far warmer climate.

Many current and former students prefer the University of Manitoba. It ranks much better.


Global Securities Lenders specializes in custom liquidity solutions for those seeking to leverage concentrated market positions quickly, conveniently, and confidentially. We provide flexible terms and low interest rates specifically designed with your goals in mind. GSL recently announced our goal of working in Canada to provide securities lending to companies and high net worth individuals.

Securities-based lending, or a stock loan, is the practice of using market investments such as stocks, ETF’s, warrants, bonds, or real estate investment trusts as collateral for a loan. If you own free-trading, non-restricted stock on a major world exchange that trades at a minimum volume of $30,000 USD daily, you can qualify for a non-recourse, collateralized stock loan from one of our valued lenders in record time! Get an instant quote to see if you qualify.

Original Article: Read More

Original Source: Stocktrades

Categories: Personal Finance

Let's Start a Conversation

Instant Quote

Please fill out your information to see if you are pre-qualified.

Enter the Stock Symbol.

Select the Exchange.

Please enter your First Name.

Please enter your Last Name.

Please enter your phone number.

Please enter your Email Address.

Please enter or select the Total Number of Shares you own.

Please enter or select the Desired Loan Amount you are seeking.

Please select if you are an Officer/Director.

Global Securities Lenders, LLC may only offer certain information to persons who are “Accredited Investors” and/or “Qualified Clients” as those terms are defined under applicable Federal Securities Laws. In order to be an “Accredited Investor” and/or a “Qualified Client”, you must meet the criteria identified in ONE OR MORE of the following categories/paragraphs numbered 1-20 below.

Global Securities Lenders, LLC cannot provide you with any information regarding its Loan Programs or Investment Products unless you meet one or more of the following criteria. Furthermore, Foreign nationals who may be exempt from qualifying as a U.S. Accredited Investor are still required to meet the established criteria, in accordance with Global Securities Lenders, LLC’s internal lending policies. Global Securities Lenders, LLC will not provide information or lend to any individual and/or entity that does not meet one or more of the following criteria:

1) Individual with Net Worth in excess of $1.0 million. A natural person (not an entity) whose net worth, or joint net worth with his or her spouse, at the time of purchase exceeds $1,000,000 USD. (In calculating net worth, you may include your equity in personal property and real estate, including your principal residence, cash, short-term investments, stock and securities. Your inclusion of equity in personal property and real estate should be based on the fair market value of such property less debt secured by such property.)

2) Individual with $200,000 individual Annual Income. A natural person (not an entity) who had individual income of more than $200,000 in each of the preceding two calendar years, and has a reasonable expectation of reaching the same income level in the current year.

3) Individual with $300,000 Joint Annual Income. A natural person (not an entity) who had joint income with his or her spouse in excess of $300,000 in each of the preceding two calendar years, and has a reasonable expectation of reaching the same income level in the current year.

4) Corporations or Partnerships. A corporation, partnership, or similar entity that has in excess of $5 million of assets and was not formed for the specific purpose of acquiring an interest in the Corporation or Partnership.

5) Revocable Trust. A trust that is revocable by its grantors and each of whose grantors is an Accredited Investor as defined in one or more of the other categories/paragraphs numbered herein.

6) Irrevocable Trust. A trust (other than an ERISA plan) that (a)is not revocable by its grantors, (b) has in excess of $5 million of assets, (c) was not formed for the specific purpose of acquiring an interest, and (d) is directed by a person who has such knowledge and experience in financial and business matters that such person is capable of evaluating the merits and risks of an investment in the Trust.

7) IRA or Similar Benefit Plan. An IRA, Keogh or similar benefit plan that covers only a single natural person who is an Accredited Investor, as defined in one or more of the other categories/paragraphs numbered herein.

8) Participant-Directed Employee Benefit Plan Account. A participant-directed employee benefit plan investing at the direction of, and for the account of, a participant who is an Accredited Investor, as that term is defined in one or more of the other categories/paragraphs numbered herein.

9) Other ERISA Plan. An employee benefit plan within the meaning of Title I of the ERISA Act other than a participant-directed plan with total assets in excess of $5 million or for which investment decisions (including the decision to purchase an interest) are made by a bank, registered investment adviser, savings and loan association, or insurance company.

10) Government Benefit Plan. A plan established and maintained by a state, municipality, or any agency of a state or municipality, for the benefit of its employees, with total assets in excess of $5 million.

11) Non-Profit Entity. An organization described in Section 501(c)(3) of the Internal Revenue Code, as amended, with total assets in excess of $5 million (including endowment, annuity and life income funds), as shown by the organization’s most recent audited financial statements.

12) A bank, as defined in Section 3(a)(2) of the Securities Act (whether acting for its own account or in a fiduciary capacity).

13) A savings and loan association or similar institution, as defined in Section 3(a)(5)(A) of the Securities Act (whether acting for its own account or in a fiduciary capacity).

14) A broker-dealer registered under the Exchange Act.

15) An insurance company, as defined in Section 2(13) of the Securities Act.

16) A “business development company,” as defined in Section 2(a)(48) of the Investment Company Act.

17) A small business investment company licensed under Section 301 (c) or (d) of the Small Business Investment Act of 1958.

18) A “private business development company” as defined in Section 202(a)(22) of the Advisers Act.

19) Executive Officer or Director. A natural person who is an executive officer, director or general partner of the Partnership or the General Partner, and is an Accredited Investor as that term is defined in one or more of the categories/paragraphs numbered herein.

20) Entity Owned Entirely By Accredited Investors. A corporation, partnership, private investment company or similar entity each of whose equity owners is a natural person who is an Accredited Investor, as that term is defined in one or more of the categories/paragraphs numbered herein.

Please read the notice above and check the box below to continue.

Contact GSL

Please use our Instant Quote form to see if you're pre-qualified for a non-recourse stock loan, or if you have any questions or feedback, please email, call or chat with us.

+1 (954) 648-5454
2805 E Oakland Park Blvd #307, Fort Lauderdale, FL 33308 USA
Open 24 hours a day / 7 days a week / 365 days a year

Frequently Asked Questions

What Is Securities-Based Lending?

Securities-based lending, or a stock loan, is the practice of using market investments such as stocks, ETF’s, warrants, bonds, or real estate investment trusts as collateral for a loan.

How much money can I get for my securities?

Borrow up to 70% of the value of your pledged investments giving you the capital you need to expand your business, purchase real estate, or tackle a costly project.

What happens if my securities lose value?

With a non-recourse stock loan, you can walk away from your securities at any time and keep the loan money with no negative credit consequences even if the investments lose value.

Is my information safe with GSL?

We pride ourselves on outstanding service and make client confidentiality our top priority. You can always be absolutely certain your information is safe with us.

How long does it take for the disbursement of funds?

Most of the transactions we process take less than 7 days from application to the disbursement of funds giving you cash quickly when you need it most.

What credit score do I need to qualify?

There are no credit checks or personal guarantees necessary with our services. Your pledged securities are the only collateral required for the loan you receive.

Contact Us

Florida Office

2805 E Oakland Park Blvd #307
Fort Lauderdale, FL 33308

Call Us

+1 (954) 648-5454‬

Market Coverage