Iamacat
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I believe it’s three in both semester, as uoft counts based on September-April: Full-time studies include 3.0 or more full course equivalents (FCEs) in the regular academic session (September-April) (Applymd.utoronto). Honestly, I would take the three courses over the summer, as then they will be considered full-time: 1.5 FCE in the summer session.