₦airaland Forum

Imalwayshorny:
What of university of Ottawa can we apply there

Yes you can Ottawa is a beatiful city i call with shawarma capital of canada But make sure its not a useless course

Imalwayshorny:
Is the academic transcript necessary

Yes

Imalwayshorny:
You never answered my question bro

Did you answer my question to you via email 2 hours ago ?

Chigbo55:
I was denied first visa because I didn't have sufficient funds on my own side to transport and sustain myself in Canada. I want to meet my bank so that they can fund my account and place a lien on it which I will use as secondary POF,

My question is,
Will IRCC accept it as POF, will they question the source of funds?

My Primary POF is from my inlaw who is my main sponsor who resides in Canada and had funded my GIC account and Student Chequeing account with CAD40,000. I have also paid tuition deposit of CAD10,000 out of the CAD23,000 tuition fee.

I want to meet my bank so that they can fund my account and place a lien on it which I will use as secondary POF,

My question is,
Will IRCC accept it as POF, will they question the source of funds?

Hahahaha, I swear, people are so creative with POF manipulation. You’re literally playing Russian roulette with your future and you are getting one of this which is for sure

1. A 5-year visa ban worst case senario

2. best case is another visa rejection

Imalwayshorny:
Try another country

Try UK, Finland,Ireland Norway, Australia, Germany, USA no problem. But if you still cannot explain and document where your POF came from, you are only carrying the same problem from one embassy to another

Changing country will not magically change your source of funds.

Lumpsum with history of previous low balance is already a red flag for any country

Large sum of amount that is not connected to a business with documents to show that the business is real is a big red flag

Great1tech:
Got refused again guys . What is the next in line now?

The beauty of the officer’s notes is that they literally told you what you did wrong. Now ask yourself the serious question: What did I do wrong, and how do I fix it?

The officer mentioned lump sum, previous low balance and limited evidence of the source of funds.

My question is

1. How much was your tuition?

2. How many years was the program?

3. Were you travelling alone?

4. How did you get the POF?

5. How much was it?

6. Where exactly did the money come from?

7. What job or business generated it?

8. If it came from a sponsor, can the sponsor prove where the money came from?

The officer actually gave you a chance. You got a refusal, not a 5-year ban...

Take the lesson and fix the problem.

Somebody said try another country. Try UK, Finland,Ireland Norway, Australia, Germany, USA no problem. But if you still cannot explain and document where your POF came from, you are only carrying the same problem from one embassy to another

Visa officers are not only asking Do you have money? They also want to know Where did this money come from?

Changing country will not magically change your source of funds.

rightminds:
Thank you very much for your response and advice. By God's grace we will proof the source of whatever money we deposit for pof. It's not that we don't have anything but we only some amount to augment

I wanted to type my usual stuff, but something at the back of my mind told me you have already made up your mind. PLEASE be careful with POF stuff I take God beg you

If it were up to me, I would suggest another option, but it’s your decision. If you do not have enough money to comfortably carry a family of 4, why not go alone, settle first, and then bring your family over? That is also a good option.

It is VERY hard in 2026 to see a family of 4 coming to Canada together on a student visa.

And if you see they are not telling you the truth the full truth they came with Vistors visa and are on asylum which that one is bad already anyways

Maybe in 2023, when Canada was dealing with 682,889 study permit holders/applications, the situation was different. But in 2026, the number has been reduced to around 229,000 new study permits, and for Master’s students, only about 49,000 spots are allocated.

So basically, you are fighting for those 49,000 spots, and that number might be even lower in 2027. On top of that, you may want to add more family members, who will also be attached to your student visa and add to the overall assessment.

Well, nothing is impossible with God, but I am also presenting you with the numbers so you can see the situation clearly.

Watch this girl's channel. She came to Canada through school and later got PR. Her husband and child are now also in Canada

Remember no part way is easy all the best

https://www.youtube.com/@winifredkal


https://www.youtube.com/watch?v=07yrKc6km-Y?si=3eRXR4ykzyG0B702

https://immigrationstatistics.ca/

dsureguy:
I know someone who got a 5-year ban due to fake POF...

See, I have enough stories to last for days, but I won’t let this drag.

Anyone who wants to do anything can do so. Just pray that the worst thing that happens is that a visa officer rejects your application. Otherwise, you could spend your time writing an LOE, only to end up with a 5-year ban.

A 5-year ban on a visa application is BAD ooo. A simple visa refusal for lack of funds is much better than a 5-year ban that you will have to explain on every future visa application, even if you are applying to another country.

And imagine the 5-year ban was because of unexplained lump-sum funds in your account that the officer considered fraudulent. That thing can follow you forever.

I talk too much, so people think I’m crazy hahahaha.

Chelseaboy101:
This is scary oo, no agriculture category ?

They removed it in early 2025 for federal Express Entry. https://immigration.ca/5-key-takeaways-from-irccs-canada-express-entry-changes-for-2025/

Nozino:
This shouldn’t be posted here ma

Posting here or not, IRCC knows it all.

The funny thing is that IRCC knows all these tricks people play when showing that they have money as POF, even when they actually borrowed the money just to put it in their account.

IRCC knows the different money tricks people use. They are not new in this game.

I pray that people who play these games don't meet an officer who has no patience and decides to take the matter seriously. You could end up with a 5-year ban.

I might sound harsh, but it is the truth: if you don't have the money, don't claim that you have the money.

If an officer has concerns about a large lump sum or unexplained money in your account, they can ask you to explain where the money came from and provide supporting documents by sending you a LOE to reply in 15 to 30 days

Don't assume that because the money is sitting in your account, IRCC will automatically accept it as genuine proof of funds

Some officers that dont have time to send you a LOE will just refuse the application if they are not satisfied which most do...

But the one that does will just send LOE and if they are not satified its 5 years ban ooo as they will call it suspect misrepresentation and determine that false or misleading information.

Don't play Russian roulette with your future just because you want to show POF.

If you don't have the money, don't claim you have it. If someone gives you money, be honest about where it came from and document it properly

Cc rightminds

https://www.canada.ca/en/immigration-refugees-citizenship/corporate/transparency/committees/cimm-apr-20-2026/oag-report.html

https://www.canada.ca/en/immigration-refugees-citizenship/corporate/transparency/transition-binders/minister-2025-03/visa-integrity.html

rightminds:
I want to say a big thank you to everyone on this platform for doing great job in transferring knowledge to those who need it.

As I said earlier, I've differed my admission to next year fall. I want to start my study permit processing as early as possible probably November this year because of the uncertainty in the IRCC response time. I want to start building my pof account so that I can have the 6 month statement and startmy application by May next year. This area of POF has been given me seriously concern because I don't know where to start from.

I want to relocate with my husband and my two kids and having made a tuition deposit of CAD 6k. I know how much I need for the pof according to the information I got from IRCC website.

I don't think I can use GIC because the money I intend to use is not mine it's a borrowed money that I have to pay interest on for the period it sits in my account.

My questions are:
1. When exactly do I have to make the deposit for the lump sum, is it at the Beginning of the six month statement or few months to my application?

2. I have a brother in US and also a sister in UK. Can I also use their accounts for pof? Or can I my in-laws ' account?

3. My program is 2yrs. The total amount payable for the first year including accommodation is 30k CAD for the whole year it's 49k CAD. Which of these amounts will I use for my pof?

4. The accommodation the suggested to me is a shared apartment with other students which can not work out for me as a family person. Do I have to calculate my pof with this accommodation fee too since I don't want it but the school has already calculated it together with my aggregate fee?

Hmm, this is a lot to say, and if I comment with the truth, some people’s blood will boil. But in summary, if you do not have the money to travel abroad, do not set yourself and your family up for failure.

1. Stop putting unexplained lump sums into your account. It doesn't matter whether it is at the beginning of the 6-month statement or 2 months before application. You must be able to explain where the money came from with paper work on how the money was made

2. Your brother or sister is usually easier to explain than an in-law. IRCC can simply ask: “Why is your in-law sponsoring you?” That question is easier to answer when it is your direct family member.

But your sibling cannot just send you a bank statement and call it sponsorship. They have to show where the money came from and that supporting you is financially realistic for them. Depending on the circumstances, this could include 2–3 years of tax returns, employment letter, proof of income, bank statements, ID, proof that they are actually your family member, and a statement explaining why they are sponsoring you.

They also need to show that sponsoring you will not leave them financially broke..

3. POF for husband and 2 kids so basically 4 people thats minimum pof should cover: Tuition for your entire program (even if it is a 2-year program) + $43,572 for living expenses for 4 people + $3,000–$5,000 for miscellaneous expenses. https://www.canada.ca/en/immigration-refugees-citizenship/services/study-canada/study-permit/get-documents/financial-support.html

4. If you don't mind me asking, what school is this that is suggesting a shared apartment with other students?
You do not need to stay on campus or any suggested shared apartment. I would not automatically go with the accommodation the school is pushing. You have other accommodation options, including renting off campus.

maryini:
He studied international relations. He manages a family owned petroleum business and interns in a law firm.

Yes...........He will get a job in Canada, but I am sure the ultimate goal is PR and eventually citizenship. Then, in the long run, he can go back to Nigeria and maybe manage the family-owned petroleum business.

Anyway, yes, he can get a job, but the kind of job he gets will depend on his personal skills, his experience, and how well he can apply those skills in Canada....Please tell him to read about capital market if he understand capital market he will have an upper hand they have alot of job oppotunity for New MBA grads in capital Market expecally RBC capital market Jobs

An MBA does not automatically guarantee you a good job. It helps, but at the end of the day, you still need the right skills and someone willing to pay you for them just make sure he does even tho its 4 months intership/ Co-op during his program that will help

Most of the in-demand skill sets Canada has mentioned they are looking for are listed below

https://www.canada.ca/en/immigration-refugees-citizenship/services/immigrate-canada/express-entry/rounds-invitations/category-based-selection.html

One thing I always ask people is: if you are not likely to be in one of the in-demand occupations, French or skill sets and you normally have a lower CRS score, calculate your CRS properly.

If you look at your numbers and realize that even after working for 2 years in Canada, getting a Canadian degree, and gaining Canadian work experience, you are still nowhere close to 500 points, then you might need to rethink the whole plan. https://www.canada.ca/en/immigration-refugees-citizenship/corporate/mandate/policies-operational-instructions-agreements/ministerial-instructions/express-entry-rounds.html

This country can get frustrating if you don't plan properly. There are people currently sitting endlessly in the Express Entry pool, waiting for a miracle.

Yes, he can get a job. RBC https://jobs.rbc.com/ca/en/students-graduates-co-ops-internshipse

KPMG https://kpmg.com/ca/en/careers/students/student-programs/summer-internship-program.html

and Some consulting firms, for example, usually gives MBA holders opportunities for internships, and from there he can grow his career.

But he should have it at the back of his mind that even after schooling and working for 2 years in Canada, if he still cannot get close to 500 CRS points, he should start looking at all available options.

So yes, he can get a job if he works hard and looks seriously for one. But beyond getting the job, he needs to plan very well for the PR part.

maryini:
Hello house,

Please I need some guidance, my brother is looking to do an MBA in Thompson rivers university or cape Brenton . I am wondering what the job prospects are like for when he finishes.

Please any insights will be greatly help.

What is his BSc in, and what is he currently doing ?

An MBA Adds to what he currenly has and what he is doing

I am old enought to remember people needed MBA because they want to enter into company/People management roles

Chigbo55:
my question is, will Immigration check and verify if the money is still intact at port of entry? Do they check and verify POF at port of entry

They ask randon questions at the POE and you can never know during my time they made me loginto my studnt account to confirm I have made payment to my school as I said I have made payment they didnt believe the printed copy I had

IMO you're setting yourself up for failure if you want to withdraw your POF not becase of Port of entry but overall you are setting yourself up

Imalwayshorny:
Una don meet for Canada

Troll Wait didnt you say I was in ikorodu what made you change your mind ?

godsplan001:
Application Date: July 5
PPR: September 15

I had applied in 2021 but my application was refused. I didn’t have to do another biometrics because the one for 2021 was for 10 years. I didn’t get any update until September 15 from IRCC

Congrats.....

Imalwayshorny:
Agent spotted another bigkoko aka calmtravels

Troll

Great1tech:
Good day guys, visa reapplication since April has not been replied yet, now the school has cancelled my admission because they have resumed and i cant meet up, what do i do next? I deposited 1k btw

Since April and you're still waiting, that is a very long time. Sorry about that IRCC can be running Mad at times and nothing we can do about that.

Don't panic and start cancelling everything.

Contact the school today and explain that your study permit has been pending since April and the delay is outside your control.

Send them your IRCC application number and screenshots showing the application is still processing.

Ask if they can defer your admission to the next intake instead of cancelling it.

Ask whether your $1,000 deposit can be transferred to the next intake If they agree, get the deferral and new LOA in writing

Upload the new LOA to IRCC through the webform and explain why the intake was deferred.

Do not withdraw your IRCC application yet just because the school cancelled the intake. First find out what options you have.

Just contact the school first and see if they can defer you... even if you have to pay a new application fee for New admission

dsureguy:
Two of Una ehn

AbelAbdul is my friend we just have a little misunderstanding

Labisi08:
Did he send a proof like this,because this is the message you get from ircc when you submit a webform or tell the agent to release your details,it is your email the agent is meant to use to apply when it is not as if the agent is licensed immigration consultant or lawyer

Take it easy oo. The last time, I mentioned that if you cannot do it yourself and you must insist on getting help, do not pay anyone who is not an RCIC consultant or a lawyer.

Since that day, AbelAbdul has tagged me as an agent, saying that I push people and force them to use agents. 😂

Me that I always say do it yourself but if your head can not do it and you believe someone should do it for you make sure the person is an RCIC consultant or a lawyer.

So, be very careful before AbelAbdul comes for you too. 😂

https://www.nairaland.com/7776621/canadian-student-visa-thread-part/688

AbelAbdul:
The Ontario laws you claimed were against people sharing accommodation why is it not working in this part of Ontario I am? My course mate told me how her family do come to visit her and when they come, they stay with her in that one room till they go back. Why has she not been evicted or jailed?

You claimed how rooms in Ontario were so small that even one person would find it uncomfortable not to talk of two or three people living in. Yet the room I stayed in the AirBnB was wide enough to fit 5 people.
The current place I am staying, my bedroom can comfortable fit in four student's bunk and if managed well six people can fit in. I understand that all those talks were because I chose not to work with your agents.
But it's fine. Please stop quoting me so that I will not take your 'spot' on this thread.

Thank you and have a nice evening.

You just said, “My course mate told me how her family comes to visit her, and when they come, they stay with her in that one room until they go back.” Why has she not been evicted or jailed?

Guy, a family member visiting is different from four people sharing a 168–208 sq. ft. room for $500. You know this, right? Even your landlord would not allow six people to share the room you stay in.

I have understood something about you: you are very good at making up stories in your head, and once you are caught up in a lie, you make up more stories. You don’t take corrections, which is sad, and you always find a way to wiggle your way out of things you have said that are wrong.

Now, again, tell me: where is the agent I gave you that you are saying I am upset you did not use? https://www.nairaland.com/7776621/canadian-student-visa-thread-part/688

Chigbo55:
My sponsor has funded my GIC with CAD22,000+ and the student chequeing account with 20,000CAD all in TD bank Canada just to show as POF, and he will need back his money in no distant time. If eventually my study permit got approved,
Is it advisable for him to withdrawal his money immediately after I got approved, or just leave the money intact in the GIC till I enter Canada?

Will Canada immigration check and verify my POF at the port of entry to know wether the funds are still intact? He will need his money soon. Please I need answers

Question: if he withdrawals his money how do you intend to pay your school fees when you are in canada

If you cannot afford to school abroad without doing all this, please don’t. I am not discouraging you from coming I am just saying the bitter truth before someone says I am, but please, do not set yourself up for failure. I take God beg you.

AbelAbdul:
I responded to this but the bot deleted that post. I want to set the record straight then leave the stage before your associates claim I want to steal your shine on a faceless forum.

Here you said you have been shouting about the use of loan and I attacked you. Can you please quote or post a screenshot of that?

My issue with you on the platform has never been loan. It has always been agent.

I can remember when I got admitted into schools in Canada I came to this thread and asked if there was anyone who could hold my hand and walk me through the study permit process and I categorically said that agents should stay off.
Someone here, I can’t remember the person moniker quoted me and said that I needed a service of an agent but didn’t want to pay.
I quoted the person back and told him that paying an agent wasn’t an issue that the issue was that a lot of them were fake. This was when you came into the picture.
You gave me a thousand and one reason I should use an agent.
I told you no. I even said I got admission into different schools without an agent. In your words you said that getting admission and getting study permit are two different things. That one doesn’t need an agent to get admission but for study permit I needed one. I said I wasn’t interested.
You started posting names and contacts of agents persisting I use one.
I can remember how you made mockery of my admissions simply because I chose not to use your agents.
You would say things like “I have packed multiple admissions and would get visa refused again”.
I can also remember asking you to provide evidence that I once applied for visa and got refused of which you were unable to provide.
You kept pushing me to use your agents claiming they were licensed. I told you license or not I was not interested.

The second time we had issues was when someone asked for cheaper accommodation in Winnipeg. I told the person he could get a shared accommodation in Winnipeg from facebook marketplace for a cheaper price. I even posted screenshots of house and their prices from facebook marketplace.
You came at me simply because I refused using your agents. You said so many things you even posted documents claiming that Ontario laws were against shared accommodation.
I can remember telling you that the person is asking for accommodation in Winnipeg not Ontario.
I arrived in Canada and posted how I was in Airbnb and you mockingly asked me why I didn’t use the cheaper shared accommodation from facebook marketplace.
I can’t remember telling you or anyone here that I wanted to stay in a cheaper accommodation. Someone made that request and I suggested trying a shared accommodation.

Now to the issue of using loan to fund tuition, I can remember someone here once asked if passage was genuine and that he wanted to use them for loan and I quoted him and told him if his plan was to use loan and fund his education that I would not advise or encourage it. Someone else told him about the interest and all that.
I can’t remember you and I arguing or having a disagreement concerning the use of loan.
My issue with you was agents. After commenting on that guy’s post against borrowing money I didn’t go further on that topic.
I don’t know where all these is coming from. Please can you stop quoting me and I will stop quoting you before they say I want to steal your spot in a faceless forum.

Thank you

Please, please, and please you can call me all the names possible but all I ask is that when you accuse me of something, come with a screenshot showing exactly where I said what you claim I said.

https://www.nairaland.com/7776621/canadian-student-visa-thread-part/730

https://www.nairaland.com/7776621/canadian-student-visa-thread-part/688

Geetee111:
Guy! For fixed deposit… do I have to show bank statement showing how or went the money used for the fixed deposit entered my account or just the letter and certificate of a fixed deposit ?

You have to do all of that, but you also need to clearly explain the source of the funds, which is very important. It’s not just about showing money in the bank account you need to demonstrate where the money came from and provide documentation to support the source of those funds


Just saying fix deposit is not good enought you have to show

when the money entered
source of the funds
and many more IRCC does not play with source of the funds

buckyfof:
Hello guys
I am a former regular here during my days of study permit, but i am a permanent resident now

I need school options for my sister, who has a bsc in business admin from unijos with a second class upper.

Sponsor is uncle and me as we all have the same surname and he sponsored me as well during my time. IRCC also never had any issues with his finances or legitimacy as his business have huge inflows and outflows and the surname is the same.

What school and courses are viable ?

Thank you

Firstly, you are already in the country, and I believe you got your PR through the student → work permit → PR route. So, you understand the system better than most people.

If you genuinely want your sister to succeed, she should focus on in-demand programs. Set her up for success, especially because you are already in the system and understand how things work.

IMO and I know people sometimes think my opinions are harsh but I don’t sugarcoat the truth.

Even if she has a BSc in Business Administration, please let her not do another Business Administration program as a PGD or Master’s just for the sake of coming to Canada.

https://www.canada.ca/en/immigration-refugees-citizenship/services/immigrate-canada/express-entry/rounds-invitations/category-based-selection.html

Choose a program that actually improves her chances of employment and eventually PR. And when it comes to the school, you know your financial situation, so go for what your pocket can comfortably afford.... jus google search chepest school doing the program that she wants

Labisi08:
If you are using passage loan,They require to have additional sponsor which it can be yourself or a sponsor
Meaning that without employment in Canada you will be paying back the loan by them sending you money or you have a income from your home country,Make e go do research

Your words are sometimes discouraging but what do l know,It is well

Your words are sometimes discouraging, hahahahah.

You see, I love the fact that earlier this year, when I was shouting about how you cannot realistically work your way through school by relying on part-time work to pay your tuition, some people came after me. Yes, living expenses might be manageable with part-time work, but tuition? Hell no. Some people are hoping on something that simply isn’t realistic.

See, it’s not an emotional thing; it’s maths, and the numbers simply don’t add up.

I actually love that AbelAbdul is now speaking the truth because he is in Canada and is experiencing firsthand everything I have been shouting about. 😂 Well, at the beginning, he was attacking me whenever I spoke about this, saying I am discouraging people from coming but this country that is very big for everyone why would I even do that but I am happy at least we have finally agreed on something.

Labisi08, you have a 16-month program with only a short break in between, which may allow you to work full-time during that period. But you still have to pay your tuition before the next term starts.

So please, help me understand the maths.

Most college and university postgraduate certificate/diploma programs for international students cost roughly CAD $15,000–$25,000 per year. Let’s even use an average of $20,000 per year, meaning approximately $40,000 in tuition for two years.

Now, you are earning $17.60/hour at minimum wage and can only work 24 hours per week while studying.

Even if you work the maximum 24 hours every week:

$17.60 × 24 hours = $422.40/week before tax

That is nowhere near enough to cover $20,000 in annual tuition, especially when you still have rent, food, transportation, phone, clothing, and other living expenses.

Yes, you may get a couple of weeks of holiday where you can work full-time before the next term, but that doesn't magically solve the tuition problem.

And then you have to factor in the unemployment rate, which is around 6.4%, meaning getting a part-time job is not even guaranteed in the first place.

But you know, maybe I still don't know what I'm talking about, right? 😂

This is exactly why I keep saying: do the maths before coming to Canada. Don't build your entire plan around the assumption that you will work part-time and somehow pay international tuition from those earnings.

It is not about being negative. It is about looking at the numbers realistically.

https://gostudyin.com/study-in-canada/study-options/postgraduate-masters/

Mojimade:
Hi everyone,

I’m currently completing visitor visa applications for my parents, who plan to visit me in Canada for two weeks.

They have ₦14 million available as proof of funds. The entire amount is in my father’s account, and he will be fully sponsoring my mother’s trip as well.

On my father’s application, I entered ₦14 million under “How much money do you have for your stay in Canada?”

For my mother’s application, should I also enter the full ₦14 million since my father is sponsoring her, or should I divide the money between both applications and enter ₦7 million for each of them? I’m really confused about this part.

Also, is ₦14 million sufficient for both applicants for a two-week visit? If not, what amount would be considered reasonable?

Thank you.

IMO, ₦14 million is too small in 2026 if you are not also co-sponsoring them, especially if that is the total POF they have available and not just the amount they intend to spend on the trip.

If ₦14 million is only part of their overall funds and you are also providing significant financial support, that is a different situation. But if ₦14 million is all they have to cover the trip, I would consider that weak, particularly when you factor other expenses.

jamespi2008:
Sorry, I didnt give detail. They kids are both in secondary school.

Also note that these days in Nigeria, Tax declaration is not a good show of hoow much saving the person or what the person earn as income..

How many person declared the real sources of income, especially business owner.

these days in Nigeria, Tax declaration is not a good show of hoow much saving the person or what the person earn as income..

Very true. I agree with you on this. But if you must show any document, make sure it actually makes sense and supports what you are claiming, because in Canada, things are not necessarily done the same way.

Let me give you an example. If your business is importing cars, you can get the Customs Duty Payment Receipt, along with the Customs Clearance/Exit Gate Pass, from Customs. You can use these documents to show that your business is actually importing vehicles.

When you sell the cars, you can also show the payments made by your customers into your business account, along with the receipts or invoices you issue to the customers.

You should also show that the business is properly registered. You can provide your Commercial Bank Wire Transfer/Form A/SWIFT receipts and the documents showing that you actually purchased the vehicles.

From the country where you purchased the cars, you can provide documents such as:

Bill of Lading (BOL)
Export Reporting Confirmation/Proof of Report
Cargo Control Document (CCD)/Manifest
Customs-stamped export documents
Purchase invoices or receipts for the vehicles


These documents help show that money was actually sent out to purchase vehicles for the business and that the vehicles were subsequently shipped to Nigeria.

Now look at the bigger picture. If you organize all these documents for, say, three years, everything should eventually tie back to your bank statements...and you will not need tax clerance

The bank statements should show a clear business cycle:

Money leaves the account → cars are purchased → cars are shipped to Nigeria → cars are sold → customers pay the business → the money comes back into the account.

That is what makes the documentation credible. Everything should tell the same story and reconcile with the money coming in and going out of the account.

The whole point is that you want the officer to be able to look at the documents and say, "Okay, I can actually see how this business operates, where the money comes from, where it goes, and how the applicant accumulated these funds."

JanegirlN:
I guess “he is my brother and I love him” does not work with IRCC 😁
It’s a 2 year course approx. 28k
I will still have enough to get by but I guess getting a job tilts the dynamics positively.

Him being your brother is actually much better than having an uncle who wants to sponsor him.

The only thing is that you need to have the financial capacity to do it, because IRCC will want to know what you do and how you are able to financially sponsor him.

IMO and exprience Father, mother, brother, or sister can all be reasonable sponsors, but in your case, you will need to explain why, as a sister, you are willing and able to use most of your funds to sponsor your brother when you are not currently employed.

Please check well well if the total tuition is $28,000 for the full 2-year program some people do not know how to calculate school fees. if you give me the school name and program I can check online but if you are sure no problm but the fees looks smalleer than the average 2 years program If that is correct, then I would say his minimum POF should be around $56,448 CAD

Tuition for the entire 2-year program: $28,000
Living expenses for one person: $23,448
Miscellaneous expenses: $3,000 to $5,000

And we are talking about the minimum here.

IRCC has significantly reduced the number of study permits being issued in 2026 by 83% and next year will be higher or same, so the competition is much higher. https://www.canada.ca/en/immigration-refugees-citizenship/corporate/reports-statistics/statistics-open-data/immigration-stats/students-workers.html

Look at it this way even if you show the minimum amount required, there are many other students from all over the world who will also have the minimum amount. So the question becomes: what makes your application stronger than theirs?

JanegirlN:
Hi Everyone, thanks to everyone who take out time to respond to questions here, you guys are the real MVP. I’ve got a couple of questions so apologies if it’s been answered before but I didn’t see it.

So I’m hoping for my brother to do a diploma program here for fall 2027 and application for schools are already opening up. But my worry is the POF.
I will be sponsoring most of it but not sure how that will affect his visa application and how to proof that. I moved here from the UK last year but don’t have a job yet in Canada but I’ve got enough savings from my previous job that covers his POF. Not just sure how to go about proving that which is very crucial. Will just bank statements and old payslip work?
Or should I start now to send a significant amount of money to his account monthly?

Will just bank statements and old payslip work? No

you need to explain why you want to use your money to sposor your brother?

if you use that money what will be left for you?

curious how much POF are we talking about?

How long is the program?

how much is his school fees for 2 years ?

jamespi2008:
A friend wife that already have student visa and now trying to add two minor kids to accompany her got reject and its a bit strange same pof use for wife now got not eligible when applying for kids . I have reviewed the application. The applicant's assets and financial situation are insufficient
to support the stated purpose of travel for the applicant (and any accompanying family
member(s), if applicable). The applicant is a minor who has applied for a study permit to join
parent in Canada on a study permit. I note that the applicant has not provided a copy of their
parent's approved visa, nor the expiration date. Applicant's expenses to be covered by their
parents. Father's bank statement is illegible. A proper review and assessment of the statement
cannot be done. Their tax clearance certificate (TCC) shows modest total income: CAD $1531
(2025), CAD $1270 (2024), CAD $1096 (2023). Father is a business owner, but there is
insufficient evidence of company viability, including reported revenue, earned profits or loss.
Applicant's mother provided a personal account statement; however I am not satisfied that the
provenance has been well documented. Their company TCC for years 2022 to 2024, is blank. A
current statement of account from parent's DLI has not been provided. As a result of the
documentation provided, I am not satisfied the applicant has provided sufficient financial details.
Based on the documentation provided, I am not satisfied that the sponsors have provided
sufficient evidence of their unhindered access to a stable source of funds to support their
dependents and themselves during their proposed stay in Canada. Based on the financial
documents submitted, I am not satisfied that the applicant has sufficient funds to pay for living
expenses for the proposed studies. Weighing the factors in this application, I am not satisfied that
the applicant will depart Canada at the end of the period authorized for their stay. For the reasons
above, I have refused this application.
Requesting ODNs in your official language of choice:
In some cases, Officer Decision Notes may not be available in your official language of choice
(English or French). To receive the notes in your preferred official language of choice, please
send your request to translate.ODN-traduire.NDO@cic.gc.ca and include the following
information in your email:

Subject line: “ODN translation request”

My brother, this officer note actually gives you a very clear picture of what happened.

Before IRCC started providing officer notes, people would get refused and have no idea what really happened unless they requested their GCMS notes. Now that the officer's notes are available, you can literally see what the officer was thinking and what led to the refusal.

First I am notin anyway discouraging anyone but bringing 2 minor children to accompany their mother is not cheap. Daycare and after school care can easily run around $1,500/month per child, depending on the daycare. And most times, you may not even qualify for any assistance.

So IRCC wants you to explain properly, with documentation, where the money to support these children in Canada is going to come from.

If you read everything the officer mentioned, your problem basically boils down to two things: money and poor documentation but mostly money.

This refusal is actually different from the usual "POF is not enough." The officer is saying that the financial evidence provided was not sufficient to establish that the parents have the financial capacity to support the children as dependants.

Please read the officer's notes line by line.

When you are presenting a business to IRCC, you cannot just do it the Nigerian way of saying, "I own a business." 😂

Everything has to be traceable.You can see the officer specifically said: "There is insufficient evidence of company viability, including reported revenue, earned profits or loss."

You need to connect the dots:

Business to Revenue to Profit to Money deposited into personal account to Money available to support the children in Canada.

Everything has to connect.

Don't just show money. Explain where the money came from, how it was earned, and why that money is available to support the children.

This is why reading the officer notes is so important. The officer has basically told you exactly where the application failed. Now you need to resolve those complaints one by one before submitting another application.

Mavor:
Your second refusal looks like a presentation and reconciliation problem as much as a documentation one. The officer is effectively saying: "I can see documents, but I am still not satisfied the money is sufficient, available to you, and accessible throughout your studies." That is fixable. Here is what to do differently on the third application.

1. Put the tuition question beyond doubt.
Do not make the officer reconstruct three instalments from three receipts. Get a fresh official letter from the school's finance office or registrar stating: "Total first-year tuition is CAD X. The applicant has paid CAD X. Outstanding balance: CAD 0." Place that letter first, the three receipts directly behind it, and add a one-page reconciliation: instalment 1 + instalment 2 + balance payment = total. Explain the fee increase and why the final payment was necessary. The officer wrote "partial tuition paid," so this time it must be impossible to misread.

2. Do not rely on the GIC alone.
A GIC is acceptable evidence, but the officer still assesses whether you have enough for tuition, living expenses and travel, and where that money came from. For applications from 1 September 2026, a single student outside Quebec must show CAD 23,448 for first-year living expenses, excluding tuition and transport. Present a complete funding table:
• First-year tuition: CAD X — paid
• Living expenses: CAD 23,448+ — source identified
• Travel: CAD X — source identified
• Total required / total available / amount immediately accessible
Then document each line.

3. Show exactly how the GIC becomes accessible.
A GIC certificate on its own does not explain accessibility. Include the bank's official GIC confirmation showing the amount, the beneficiary, the account status and the disbursement schedule, and show how you will cover living costs before the first release and between releases. Add other liquid funds rather than presenting the GIC as your only living money.

4. Prove the source of every major deposit.
Officers assess the source of funds, not just the balance. For every significant recent deposit, give the full chain: where it came from, whose money it was, why it was transferred or gifted, evidence it genuinely supports you, and evidence the sponsor could afford it. Your mother's gift needs her statements showing the withdrawal, a signed gift declaration, and proof of relationship, all in one place.

5. Address both refusals head-on.
Write a dedicated Financial Clarification Letter. Quote each concern from refusal 1 and refusal 2, then answer it with the exact document that resolves it. Do not make the officer hunt through 100 pages to find your answer. Reapplying with essentially the same file is unlikely to change the result; the third application must contain new evidence that directly answers the refusal.

6. Do not ignore the final sentence about leaving Canada.
The officer also said they were not satisfied you would leave at the end of your stay. Even though the refusal is mostly financial, briefly address temporary intent: why this program fits your existing education and career path, and what you intend to do after completing it.

Most importantly: stop submitting a folder of documents and submit an auditable financial case. The first one or two pages should let the officer answer, at a glance: What does she owe? What has she paid? How much does she need? Where exactly is the money? Who owns it? Where did it come from? Can she access it? Is it enough for the full first year? How will the following years be funded?

If those answers are obvious without the officer having to interpret three receipts, a GIC certificate and a bank statement, the third application will be fundamentally stronger. Good luck.

Ooo My you answered this question well Nice.........

just one small thing you forgot

Add prayer ooo Might be funny but trust me it works well