Let’s be honest with ourselves. Studying abroad (Japa) isn’t particularly easy for average Nigerians who are self-sponsored (paying their own fees). If, for example:


1. Obi takes a Japa loan of N20m to study Cyber Security in Canada.

2. The lender expects Obi to pay N1m monthly for 24 months (with N4m as interest).

3. Not that bad, right?

4. However, the reality is that Obi has no means of amortizing his loan. He is supposed to study and not to work.

5. Meanwhile, Obi’s only hope is to work while also studying in Canada to meet his monthly loan commitment.

6. Unfortunately for Obi, he got to Canada, and reality suddenly dawned on him.

7. Obi meets loads of assignments, coursework, group work, class presentations, and exercises, which demand more time than he could spare for work. To make matters worse, Obi’s wife and kids won’t stop ringing his phone to send some $ for their upkeep.


Can you relate to Obi's situation? Maybe? How then do you survive? Do you just abandon schoolwork and focus on your loan repayment or cut communication with your lender and family?

I can't advise a married man with children to leave Nigeria on a student visa. Better off finding a sponsorship job or getting permanent residency from Nigeria.

4. However, the reality is that Obi has no means of amortizing his loan. He is supposed to study and not to work..

Obi Shouldn't have taken a loan of 20 million to go study knowing he has wife and kids back in Nigeria. He could have taken half of that loan and invested it in a reasonable business.

Wait for a turn over (ROI) for 3 years and travel convinently. No clear cut path to success sha. Obi good luck o

tensazangetsu20:
I can't advise a married man with children to leave Nigeria on a student visa. Better off finding a sponsorship job or getting permanent residency from Nigeria.

That's another way to look at it, but how about a married man with a low CRS score (and no PNP alternative)?

Gift96:



Obi Shouldn't have taken a loan of 20 million to go study. She could have taken half of that loan and invested it in a reasonable business.

Wait for a turn over (ROI) for 3 years and travel convinently. No clear cut path to success sha. Obi good luck o

What if Obi is already in Canada and going back to Nigeria is not an option now because the N20m is almost exhausted?

Gigdraft:
That's another way to look at it, but how about a married man with a low CRS score (and no PNP alternative)?

Then the person should stay back in Nigeria cause studying in Canada at the moment doesnt guarantee a permanent residency. The scores are still high even after graduating. The person is better off learning french in Nigeria and getting PR.

Gigdraft:
What if Obi is already in Canada and going back to Nigeria is not an option now because the N20m is almost exhausted?

Naa so money dey quick finish.

If he is ready to cut off his Lenders, that solves the problem. That means he will have to cut off his wife and kids too.

tensazangetsu20:
I can't advise a married man with children to leave Nigeria on a student visa. Better off finding a sponsorship job or getting permanent residency from Nigeria.

I agree. It is almost impossible to serve two masters here, especially when you are doing advanced degrees!

LordIsaac:

I agree. It is almost impossible to serve two masters here, especially when you are doing advanced degrees!

Bros. It should be listed amongst the top 1000 ways to die.

Hmmm…life!

Gigdraft:
Let’s be honest with ourselves. Studying abroad (Japa) isn’t particularly easy for average Nigerians who are self-sponsored (paying their own fees). If, for example:


1. Obi takes a Japa loan of N20m to study Cyber Security in Canada.

2. The lender expects Obi to pay N1m monthly for 24 months (with N4m as interest).

3. Not that bad, right?

4. However, the reality is that Obi has no means of amortizing his loan. He is supposed to study and not to work.

5. Meanwhile, Obi’s only hope is to work while also studying in Canada to meet his monthly loan commitment.

6. Unfortunately for Obi, he got to Canada, and reality suddenly dawned on him.

7. Obi meets loads of assignments, coursework, group work, class presentations, and exercises, which demand more time than he could spare for work. To make matters worse, Obi’s wife and kids won’t stop ringing his phone to send some $ for their upkeep.


Can you relate to Obi's situation? Maybe? How then do you survive? Do you just abandon schoolwork and focus on your loan repayment or cut communication with your lender and family?

How old be obi sef?

Gift96:



Naa so money dey quick finish.

If he is ready to cut of his Lenders, that solves the problem. That means he will have to cut off his wife and kids too.

Sharp guy

Lordlontor:
How old be obi sef?

Let's say 35 years.

Gigdraft:
Let's say 35 years.

Cool. Make obi DM this account if e gallant

tensazangetsu20:


Then the person should stay back in Nigeria cause studying in Canada at the moment doesnt guarantee a permanent residency. The scores are still high even after graduating. The person is better off learning french in Nigeria and getting PR.

Naira no good. If you no your way you will run it. Nothing dey there. Nigerians can survive anywhere. All my guys dem buy car and house within 1 year. I no fit just dey cast update for here

Lordlontor:
Cool. Make obi DM this account if e gallant

For what exactly, and why does he needs to be gallant?

Gigdraft:
For what exactly, and why does he needs to be gallant?

happy survive

Onye ji ugwo. You de inside gbese you still get pride 🤣🤣🤣🤣

Lordlontor:
Onye ji ugwo. You de inside gbese you still get pride 🤣🤣🤣🤣

Your account was registered today, so I would assume you are a troll. FYI: Obi's case was an analogy, and not necessarily a personal scenario.

Gigdraft:
Your account was registered today, so I would assume you are a troll. FYI: Obi's case was an analogy, and not necessarily a personal scenario.

Chill na help I won help. I register acc today is not mean I want to troll. Take chill pill relax. Who obi help sef

Lordlontor:
Chill na help I won help. I register acc today is not mean I want to troll. Take chill pill relax. Who obi help sef

You fit o

Gift96:


You fit help me too sha oo

If u get OT why I no go help u?

Gift96:


You fit help me too sha oo

It's quite glaring. @Lordlontor is trying to lure anyone gullible enough into something shady. Please be careful of falling victim.

Gigdraft:
It's quite glaring. @Lordlontor is trying to lure anyone gullible enough into something shady. Please be careful of falling victim.

I no get ur time

Gift96:


You fit o

Drop location make boys mend u

Lordlontor:
Drop location make boys mend u

Jew I go tell my B40 dem make we H.I.T if you lose guard. Obote

Gift96:

Jew I got tell my B40 dem make we H.I.T you

Dem never born ur pale when I don dey game. Drop location if e sure 4 u

Lordlontor:
Dem never born ur pale when I don dey game. Drop location if e sure 4 u

God for all man. All man for hin sef

Gift96:


God for all man. All man for hin sef

U no get level I sabi who I dey follow talk?

Lordlontor:
U no get level I sabi who I dey follow talk?

who goes you?
Wetin be your 411

Gift96:
who goes you?
Wetin be your 411

see dis one wey dem no mend finish dey id me. Ib lord 4 my caba wo ur pale b sef

Lordlontor:
see dis one wey dem no mend finish dey id me. Ib lord 4 my caba wo ur pale b sef

You dey Jonze