Do you have any medical conditions? Being able to obtain a health card will likely be difficult for 2.5+ years until you are able to obtain a PR card. You should make sure to purchase an emergency travel medical insurance policy to at least cover emergencies until you are able to get a valid health card Has U of T asked to see your PR card in order to confirm that you are a PR and qualify as domestic student? If you enter via the US border you need to be prepared to remain in Canada until you are back in compliance with your RO. That could mean over 2 years without seeing family or going to see your home abroad. That is something you need to consider. Many will be fine with this but some will struggle a lot so this is something you should consider. Many international students face significantly significant mental health issues when they come to Canada partly because they have never lived away from their family. Although you are not an international student you have more in common with international students than most PRs so you may be affected by similar issues.