Anon123:


I doubt the bolded...

One of the many angles Visa officers process applications is based on your financial strength to cater for your tuition and living expenses. A visa officer citing that an applicant acquired a loan to pusure a study in canada is a VERY BIG RED FLAG. One of the many denial reasons are Financial reasons and Purpose of visit.

I also dont believe a loan can serve as a hometie. A loan is enough to show the visa officer you are not financially bouyant enough to undertake this canada study journey(financial reasons) therefore no reason to why you wish to undertake such expense to come to Canada (Purpose of visit).

Besides to pay back a loan while in canada is enough to deny you. How can you be struggling to meet your needs in canada and also meeting up with financial obligations to payback a loan.

And please, next time you put forward a view, back it up with proof.

As this amounts to misinformation.

Spectro:



People have accessed loans and gained visa approvals. A lot of people. So then there's that.

Everything boils down to your SOP. If people have been able to access loans and got visa approval, then I don't see why another person cannot.

What's most important is having the money for living expense and letting loans take care of tuition and other academic-related expenses.

It will end in praise.

I stand with my reply but again, its left for people to make their own decision...

Where is it written that a loan is a hometie?

How does your sop help justify why you took up a loan to cover study expenses plus living expenses?

You have not convinced me rather you are telling me so many people has done it and it worked.

Who are those people? I want to talk to them.

People will millions in their own account have been denied visa here on this thread but you want to tell me that another person with a loan/debts on his shoulders will be granted an approval. Debts that a visa officer will see and still let you into his country to work to stupor to survive in canada and pay back a loan..

omo.. For those that will follow this GOODLUCK!

emmalextemtop:
Hello everyone!

Please i need sure and proved answers to my questions.

1) I was given an admission into Algonquin College, Ottawa in Canada. But due to the much tuition fee, i deferred till September this year after speaking with my admission officer on my personal AC page. Please after that, what is the next?

2) I was given a month space to pay my tuition fee as read in my letter, is it visa application i will do first or pay the full first semester tution fee?
Is it possible to start visa processing without paying tution fee until later?

3) The fee for my program is quite much. $18,200 CAD. First semester is $9,700CAD, can schools/colleges that have lesser fee be posted here

4) What are the documents needed for my visa application and what span of time will it take?, base on any current experience.

5) Is it advisable or compulsory a student uses the help of an agent for the visa processing and all,, can the student do it by him/herself without any issue?

6) And lastly, how much does someone need to have for the 14 days quarantine in Canada for sustainace?

Thanks for your apt answers.

4) See this

COMPREHENSIVE LIST OF REQUIREMENTS FOR STUDY VISA APPLICATION & VERY VITAL INFORMATION/TIPS TO TAKE NOTE OF BEFORE SUBMITTING YOUR CANADA STUDY VISA APPLICATION
https://www.nairaland.com/3649314/canadian-student-visa-thread-part/92#55179284

LIST OF DOCUMENTS FOR CANADA STUDY VISA APPLICATION
https://www.nairaland.com/4773130/canadian-student-visa-thread-part/228#75475575

DETAILED LIST OF DOCUMENTS FOR STUDY VISA AND THEIR APPROPRIATE CATEGORIES FOR UPLOAD
https://www.nairaland.com/5818588/canadian-student-visa-thread-part/274#93325073

Hello all.

Please for those that evaluated their property (land), how does this actually work?

One Estate surveyor I got is telling me the cost is by % worth of the property and the properties I want to evaluate is worth million's.

Please experts is that true?

Spectro:



And please, next time you put forward a view, back it up with proofs.

As this amounts to misinformation.

If you read my reply/opinion, I never said you are misinforming rather I said "i doubt". So please dont say am misinforming people as I didn't say either. You are free to express yours so dont tell me if I have a different view of yours am misinforming.


Please your attached proof doenst justify your claim. Direct me to the many people it worked for. Not a screenshot of what IRCC asked for. If
i am to believe that, then nobody should be denied a visa cos everybody follows IRCC directives to the letter.

Know this and know peace.

Ketima:
Hello all.

Please for those that evaluated their property (land), how does this actually work?

One Estate surveyor I got is telling me the cost is by % worth of the property and the properties I want to evaluate is worth million's.

Please experts is that true?

Hahahahaha
Nigeria hard shaa... Abeg, that surveyor want cash out on top your head. Look for someone else.

Frankrobbn1:


Thank you for the compliments brother. I keep improving on my communication skills and experiences on a day-to-day basis. You're at liberty to learn and make the most of it.



It will end in praise

Please how do you improve on this skills.

Good day and Happy Easter!

Thank you for your detail explanation on the implication of recent update by IRCC on change of DLI. However, I will kindly request for your guidance and suggestion as regards my current sitiuation:

My student permit was approved late last year and I started attending online class this year January. I later travalled to Canada late January and collected my Student Permit at POE, obtained the SIN and opened a bank account.Thereafter, I got information about another university in another province entirely that offered a program that I am interested in. I then requested that my current program be moved to May session by the university which was granted. I immediatley applied for an admission to the program in the new university which starts by Septmber 2021.

Based on this development, I returned back to Nigeria by Mid February, since I had aksed my current school to move me to May session and my new program will be starting in Septmber 2021 (In order not to go against the terms of the SP). I have just been accepted by the new university and I will be paying the acceptance fee this week.

In line with the recent development, can I still go-ahead and just upade my GckEY account with my new DLI detail?. Or how best do you think I should handle this? I am still in Nigeria and planning to travel back in Septmber when my new program will commenence.

N.B: Both progarms are Master program in Business related field.(Not entirely same course). I do not intend to resume class in May with the 1st univeisty since i have been accepted in the new DLI.

I look forward to reading your contributions on the implication of this directive on my above specific case.

quote author=JustMellow post=100448756]

Hello lekan,

If the SP has been issued, the person can change DLI (or program) without reapplying or submitting a new SP application. This is why it is often advised to effect the change from within Canada rather than outside. All to be done is update the GcKey account with the rightful information.

Effecting the change—of DLI and not the program—from outside Canada when an application has been approved and before the SP is issued is what IRCC refers to by stating the need to submit a new SP application for consideration.

Even if the DLI change was effected from outside Canada, the person doesn't necessarily have to apply for a new study permit IF the person's GcKey was updated with the new information (and IRCC was notified via the webform – unconventional)

Ultimately, based on the explanation thus far; a change of DLI or Program, it can be done without the need to reapply for a new SP.

I am open to further queries if it's not clear.

One love bro!



[/quote]

Anon123:


I stand with my reply but again, its left for people to make their own decision...

Where is it written that a loan is a hometie?

How does your sop help justify why you took up a loan to cover study expenses plus living expenses?

You have not convinced me rather you are telling me so many people has done it and it worked.

Who are those people? I want to talk to them.

People will millions in their own account have been denied visa here on this thread but you want to tell me that another person with a loan/debts on his shoulders will be granted an approval. Debts that a visa officer will see and still let you into his country to work to stupor to survive in canada and pay back a loan..

omo.. For those that will follow this GOODLUCK!

Okay, let me clarify some things to you, because it is clear you don't have experience in the area of loans for academic studies abroad. But I know people who do.

A person may have 100 million Naira in their account, but there are various reasons a VO may refuse a person's visa request.

A bank statement communicates a great deal of things.

100 million Naira doesn't always mean availability of funds. If a VO sniffs even the slightest of falsehood, it raises suspicions.

Now, a course mate of mind got his study visa with bank loan. He got loan to foot in first semester tuition, and he covered the rest. He had ample fund for the rest.

He wasn't refused.

The point I am trying to make here is that there's so much that goes into visa processing that many people do not know.

A person who seems to have a perfect visa application may be refused for reasons best known to VOs.

And a person who seems to have a less perfect visa application may get the acceptance.

However, one thing is certain. People can get student visa via student loan if done right.


Secondly

Lenders do not give you loans before the visa is approved... They do so after the visa is approved.

Therefore, even if people are refused visa, it doesn't make them indebted to the lenders. The loan arrangement can be canceled.

However, what happens most cases is that they provide borrowers with loan documents that they can present to VOs for student visa application.

If international students weren't taking loans, organizations like Mpower will not exist. They certainly will not excel to this day. A lot of Indians do it too.


Paying back

Student loans arrangements are different from regular loans. In most cases, students only pay a small amount of interest monthly until several months after graduation.

These things have been done in such a way that it doesn't result in students slaving for hours even as they study in school.

I understand this is not something you have experience with.

I know someone who got Student visa with student loan. I don't know how she did it, but she did. I didn't bother asking, because I never needed it.

Teepearls:
No, I only attached all my documents to my application. I'm asked to apply fory Study visa before I can proceed to make payments to secure to seat.

Okay. Thanks for the info.

Spectro:


Okay, let me clarify some things to you, because it is clear you don't have experience in the area of loans for academic studies abroad. But I know people who do.

A person may have 100 million Naira in their account, but there are various reasons a VO may refuse a person's visa request.

A bank statement communicates a great deal of things.

100 million Naira doesn't always mean availability of funds. If a VO sniffs even the slightest of falsehood, it raises suspicions.

Now, a course mate of mind got his study visa with bank loan. He got loan to foot in first semester tuition, and he covered the rest. He had ample fund for the rest.

He wasn't refused.

The point I am trying to make here is that there's so much that goes into visa processing that many people do not know.

A person who seems to have a perfect visa application may be refused for reasons best known to VOs.

And a person who seems to have a less perfect visa application may get the acceptance.

However, one thing is certain. People can get student visa via student loan if done right.


Secondly

Lenders do not give you loans before the visa is approved... They do so after the visa is approved.

Therefore, even if people are refused visa, it doesn't make them indebted to the lenders. The loan arrangement can be canceled.

However, what happens most cases is that they provide borrowers with loan documents that they can present to VOs for student visa application.

If international students weren't taking loans, organizations like Mpower will not exist. They certainly will not excel to this day. A lot of Indians do it too.


Paying back

Student loans arrangements are different from regular loans. In most cases, students only pay a small amount of interest monthly until several months after graduation.

These things have been done in such a way that it doesn't result in students slaving for hours even as they study in school.

I understand this is not something you have experience with.

Okay

Anon123:


Okay

My apologies for being somewhat abrasive with a previous post.

Subsequently, I will not be making posts on here again.

I wish everyone a great and uplifting news as they await the final decision on their applications.

Hello everyone, I just started my application.
I am filling the IMM1294 form (Application for Study permit made outside of Canada) and have some questions.
Firstly, under the "details of Intended study in Canada", it is asking for tuition cost, my guaranteed tuition fee is for 2 years, does it want the total tuition cost for 2 years or the cost for 1 year of study"

Also, it is asking for the duration of expected study, my admission letter only gives an estimate of 1-years, although tuition would only be collected for 2 years, which should I put in, 2 years or the maximum 4 years?

It is also asking for Room and board and other, is this rant to be an estimate or what?
I would really appreciate guidance on this.

irijuola:
Please, has anyone here quarantined in group of two or three since the advent of the 3 days hotel quarantine? The Canadian website says 'Only household should quarantine together' I believe household does not entirely mean family. I and two other nairalanders have booked the hotel for our three days hotel stay together in order to save cost. But, to be on the safer side, I'd like to ask for your opinion. Hope we won't run into any problem?

Hello Irijuola,

Travellers who had travelled together are allowed to quarantine together for the 3-night mandatory hotel stay. For further information on the number of persons allowed in a room—may depend on the size of the room or hotel policy—reach out directly to the hotel for more enquiry.

Best of Luck

Spectro:


My apologies for being somewhat abrasive with a previous post.

Subsequently, I will not be making posts on here again.

I wish everyone a great and uplifting news as they await the final decision on their applications.

Please feel free to express your views on this platform. We are all learning here and every piece of information tabled here is left for members to accept or discard.

It will end in praise for us all.

Happy Easter.

Chinnychappy:
so Bsc part time is not accepted ??

Hello Chinnychappy,

B.sc is B.sc whether earned PT or FT and as long as the program is accredited you are covered to pursue either of the previously mentioned programs in my last response post to yours.

Best of Luck

People of God,

Please for those who recently travelled with Lufthansa to Ontario, were you asked for a transit visa?

REQUEST FOR FURTHER EXPLANATION ON THE IMPLICATIONS OF RECENT DIRECTIVE BY IRCC ON CHANGE OF DLI

Good day and Happy Easter!

I sincerely thank the gurus in the house for their previous explanation on the implication of recent update by IRCC on change of DLI. However, I will kindly request for your guidance and suggestion as regards my current sitiuation:

My student permit was approved late last year and I started attending online class this year January. I later travalled to Canada late January and collected my Student Permit at POE, obtained the SIN and opened a bank account.Thereafter, I got information about another university in another province entirely that offered a program that I am interested in. I then requested that my current program be moved to May session by the university which was granted. I immediatley applied for an admission to the program in the new university which starts by Septmber 2021.

Based on this development, I returned back to Nigeria by Mid February, since I had aksed my current school to move me to May session and my new program will be starting in Septmber 2021 (In order not to go against the terms of the SP). I have just been accepted by the new university and I will be paying the acceptance fee this week.

In line with the recent development, can I still go-ahead and just upade my GckEY account with my new DLI detail?. Or how best do you think I should handle this? I am still in Nigeria and planning to travel back in Septmber when my new program will commenence.

N.B: Both progarms are Master program in Business related field.(Not entirely same course). I do not intend to resume class in May with the 1st univeisty since i have been accepted in the new DLI.

I look forward to reading your contributions on the implication of this directive on my above specific case.

Ribasandez:
I know someone who got Student visa with student loan. I don't know how she did it, but she did. I didn't bother asking, because I never needed it.

Did she get the loan in Nigeria or Canada?

Mobi22:

Yes please

thanks sir

ucystan:
Please i am interested in this Loan option, and i already know a foreign body that can loan me if i am able to get an admission in one of their selected schools, but what worries me is if i will be granted a Study permit on a loan, won't this be like a red flag already?

Are there other supporting documents i will need to submit to convince the VO that i will and can pay?

If you dont mind, i sent you an email. Pls
Thank u

Hello Ucystan,

Getting a study loan isn't a red flag. It can even go as far as helping to prove good ties back home. The use of loans is very popular with the Indians due to its easy availability by their financial institutions for (their) international students.

You can get a letter to the effect from the concerned financial institution, the loan approval letter or an official email notification coupled with a letter to explain the funds appearance in your BA.

Ensure to prove that you are gainfully employed, have a well-planned out future plan(s), and are established in your home country. This somewhat helps the officer understand that the loan can be easily offset without any financial hindrances.

Best of Luck

Hello everyone. I have been following the discussions here for some time now and ive been really happy and impressed about how priceless information is been dished out for free and about how friendly people are on this platform and so i decided to join this great family because I know I can grow and improve myself through the information shared here.
I have some questions concerning pgd in canada. I graduated 2019 with a 3rd class in botany and I finished Nysc last year November. I want to go for a pgd course because that's the only way I know I can go for my masters. I did 2 other courses from the chartered institute of customer relations management and chartered institute of human resource management during my Nysc based on Nysc recommendation. I've been following this trend now and with what has been said previously about choosing courses it might be a bad idea to choose any course not related to my undergraduate course of study [or in my case is it different?]. Now my questions are
1.what are my chances of getting Canadian study permit for a pgd course.
2. What courses will the house recommend I go for for the pgd course.
3. When should I start my online application for January intake?
I don't know the answer to these questions that's why I'm asking I will be very grateful if my questions are answered. Thank you

Bukkysanni:
Hello everyone. I have been following the discussions here for some time now and ive been really happy and impressed about how priceless information is been dished out for free and about how friendly people are on this platform and so i decided to join this great family because I know I can grow and improve myself through the information shared here.
I have some questions concerning pgd in canada. I graduated 2019 with a 3rd class in botany and I finished Nysc last year November. I want to go for a pgd course because that's the only way I know I can go for my masters. I did 2 other courses from the chartered institute of customer relations management and chartered institute of human resource management during my Nysc based on Nysc recommendation. I've been following this trend now and with what has been said previously about choosing courses it might be a bad idea to choose any course not related to my undergraduate course of study [or in my case is it different?]. Now my questions are
1.what are my chances of getting Canadian study permit for a pgd course.
2. What courses will the house recommend I go for for the pgd course.
3. When should I start my online application for January intake?
I don't know the answer to these questions that's why I'm asking I will be very grateful if my questions are answered. Thank you

Hi,

You can either do a Program related to your undergraduate or your work experience (at least 1 year)

Before I proceed with my own input, it will be ok if your clarify this

You said

"I did 2 other courses from the chartered institute of customer relations management and chartered institute of human resource management",

Was your NYSC work experience or your present work experience related to HR/customer relations?

Anon123:


I doubt the bolded...

One of the many angles Visa officers process applications is based on your financial strength to cater for your tuition and living expenses. A visa officer citing that an applicant acquired a loan to pursue a study in Canada is a VERY BIG RED FLAG. One of the many denial reasons is Financial reasons and Purpose of visit.

I also don't believe a loan can serve as a home tie. A loan is enough to show the visa officer you are not financially buoyant enough to undertake this Canada study journey(financial reasons) therefore no reason why you wish to undertake such expense to come to Canada (Purpose of visit).

Besides to pay back a loan while in Canada is enough to deny you. How can you be struggling to meet your needs in Canada and also meeting up with financial obligations to pay back a loan?

Hello Anon123,

The point you laid out is the norm and correct, no doubt. But OP's point of view is also very correct. Remember there are different ways to make a woman happy.

Study loan isn't popular with Nigerians because of its unavailability and uneasy access. The government is nonchalant to look into this area that can benefit Nigerian students more.

Anything that involves immigration concerns justifiable evidence and critical explanation; whether it's false or not. If you do some research, you will understand that some Nigerians studying abroad took study loans.

This can just be taken as reverse psychology of the visa norm for Nigeria's international students.

One love bro!

JustMellow:


Hello Anon123,

The point you laid out is the norm and correct, no doubt. But OP's point of view is also very correct. Remember there are different ways to make a woman happy.

Study loan isn't popular with Nigerians because of its unavailability and uneasy access. The government is nonchalant to look into this area that can benefit Nigerian students more.

Anything that involves immigration concerns justifiable evidence and critical explanation; whether it's false or not. If you do some research, you will understand that some Nigerians studying abroad took study loans.

This can just be taken as reverse psychology of the visa norm for Nigeria's international students.

One love bro!

To the bolded

Anon123:


I stand with my reply but again, its left for people to make their own decision...

Where is it written that a loan is a hometie?

How does your sop help justify why you took up a loan to cover study expenses plus living expenses?

You have not convinced me rather you are telling me so many people has done it and it worked.

Who are those people? I want to talk to them.

People will millions in their own account have been denied visa here on this thread but you want to tell me that another person with a loan/debts on his shoulders will be granted an approval. Debts that a visa officer will see and still let you into his country to work to stupor to survive in canada and pay back a loan..

omo. For those that will follow this GOODLUCK!

Bro!

If someone with a very weak socioeconomic tie can secure a study loan, if the person is logically sane in thinking, proving tie with the loan [as repayment of the loan] will be as 'strong' as someone with good socioeconomic ties to home country.

I am a witness to study loans, but I have not been directly involved. It could be a red flag when the source is unverifiable and the legitimacy of it couldn't be ascertained coupled with poor explanation and justification in the letter to the officer.

In the end, this visa thingy is not based on experience or knowledge, but the supernatural elements of luck and its other counterparts.

One love.

Hello everyone,

I applied for Visit visa for my spouse and now I want to change it to Spousal Open Work Permit.

Can I withdraw the application I have already submitted? My spouse has only gotten bvl, so nothing has really started as I only applied 2 weeks ago.

And if I withdraw it via the webform, can I immediately submit another application for SOWP.

I'll appreciate your responses. Thank you.

Fully-funded MSc Position at Carleton University, Canada.

Suitable for students with background (&interest) in Environmental Science, Geography, Social Ecological Research, Biology, Wildlife, Animal welfare/behaviour.

Please Apply

https://twitter.com/drhammed/status/1379076338003419139?s=21

Olubs80:


Did she get the loan in Nigeria or Canada?

She was in Nigeria but it was a foreign loan, not a local loan.

I honestly don't know much about it, other than she was able to secure a loan and traveled to Canada for her masters degree program.

Can any one recommend a very affordable college for me?