Schools Gr.12 Student Facing University Dilemma - Physics & Math Career

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A Grade 12 student is deciding between universities after receiving multiple offers, focusing on programs in physics and mathematics. The options include University of Waterloo with an Honors Mathematics Co-op program and a modest scholarship, University of Toronto with a strong financial package and appealing arts courses, University of British Columbia with potential for increased funding, and McGill University with a smaller scholarship. The student is particularly drawn to UofT for its campus and course offerings, but is also considering Waterloo for its co-op program despite concerns about competitiveness and a desire for a balanced academic experience. The discussion highlights the importance of financial aid, program reputation, and personal interests in making the final decision.
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Hi! I'm a current Gr.12 student and facing the heavy decision of choosing a university...I like physics and mathematics and would like to pursue somekind of career involving one or both of these fields. Here's the universities I've been accepted to and the scholarships I received:

University of Waterloo: Honors Mathematics Co-op
$2000 first year with possible $3000 second year

University of Toronto: Mathematical and Physical Science
$8000 first year with guaranteed $1000 every year if GPA above 3.5

University of British Columbia: General Science
$4000 first year; on waiting list for Major Entrance Scholarship so possibly in total $8000 or more.

McGill University: General Science
$3000 first year.

I'm going to be living in residence for all those universities...and I am leaning towards picking between Waterloo and UofT, unless UBC gives SIGNIFIGANT amount of money more. I like UofT's campus and I especially some of the courses they offer. Although I really like math and physics I also have a strong interest in arts and UofT has some very interesting side arts courses I would like to take, which, perhaps, is just for interest sake and for fun. Of course, they also gives out the most money. Waterloo's co-op program is very attractive despite that they give out the least scholarship first year, and I hear they are the best in the business for math, but I'm hesitating because though I'm first place in math right now in my IB class and calculus so far is really easy for me, I'm still not sure if I'd do well in such a competitive place as Waterloo (I have NEVER done well in math contests except once, that was a fluke). and it really seems I don't get to do any fun courses other than serious math. (don't get me wrong, I enjoy math. But sometimes I feel I should take some time off it just to relax my brain.) so...what should I do? Any advices? Thanks!
 
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Wow, I didnt know U of T gives out that much money. I only applied to Western and Windsor, and Windsor gave out a lot but they are a crap school. Western only gives $2000 for having a 90% average.
 
It's $5000 UofT Scholar award plus 3000 from Victoria college...UofT scholarships are weird, I never quite understood their system...*shrug*...
 
Wow, you must be getting 6's and 7's everywhere to get those kind of scholarships!
 
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