₦airaland Forum

Hello guys, I’ve gotten offer to school in Canada for a postgraduate study ,and the total tuition for the full year is 19,813 cad.
I have a sponsor (my elder sister) , she’s a nurse in the US and ends roughly $176,000 annually .

She has paid my complete tuition fee for the first semester alone , what is left is the second semester. And her bank statements show times 3-4 of the actual amount needed for my tuition and living expenses .

She has a bank statement of $85,246 available balance (118,773 CAD thereabout ) after paying the first semester tuition .

Additionally , she has a savings account of $30,000(41,799CAD) that she’s going to submit along side the other bank statement I mentioned earlier .
This is just a short brief of my circumstances as it seems now .

So now ;
even if my application is sponsorship based, I am still supposed to show my personal bank statement to show my financial strength incase things goes sideways ways .

I have 3 accounts I believe would be hard to use because earn 70k monthly in the;
FIRST ACCOUNT and the opening balance from the past 6 months is 800,000 naira with a closing balance of 50 naira

SECOND ACCOUNT has an opening balance of 186 naira with a closing balance of 1,358,025 naira

THIRD ACCOUNT has an opening balance of 3,027.32 naira and a closing of 22,958.41 naira

I am supposed to submit this application this coming week . I have barely any time left .

So I am considering a deed of gift of 10million naira from my uncle.

My main question here is , would a deed of gift be feasible for this application given the urgency of time (deadline ) or give a recommendation to this please , experts in the house .

Ebukaxn:
Hello guys, I’ve gotten offer to school in Canada for a postgraduate study ,and the total tuition for the full year is 19,813 cad.
I have a sponsor (my elder sister) , she’s a nurse in the US and ends roughly $176,000 annually .

She has paid my complete tuition fee for the first semester alone , what is left is the second semester. And her bank statements show times 3-4 of the actual amount needed for my tuition and living expenses .

She has a bank statement of $85,246 available balance (118,773 CAD thereabout ) after paying the first semester tuition .

Additionally , she has a savings account of $30,000(41,799CAD) that she’s going to submit along side the other bank statement I mentioned earlier .
This is just a short brief of my circumstances as it seems now .

So now ;
even if my application is sponsorship based, I am still supposed to show my personal bank statement to show my financial strength incase things goes sideways ways .

I have 3 accounts I believe would be hard to use because earn 70k monthly in the;
FIRST ACCOUNT and the opening balance from the past 6 months is 800,000 naira with a closing balance of 50 naira

SECOND ACCOUNT has an opening balance of 186 naira with a closing balance of 1,358,025 naira

THIRD ACCOUNT has an opening balance of 3,027.32 naira and a closing of 22,958.41 naira

I am supposed to submit this application this coming week . I have barely any time left .

So I am considering a deed of gift of 10million naira from my uncle.

My main question here is , would a deed of gift be feasible for this application given the urgency of time (deadline ) or give a recommendation to this please , experts in the house .

1. You are in a safer side based on your sister's ability to cleared off the 1st semester fee and her ability to display capability for subsequent or miscellaneous fees. However ; millions of visa applicants have shown this kind of ability in a wrong way. Your sister must send a personal (Sponso's) SOP alongside your application. She must state her reasons, future or present gains from investing in your career etc.

2. You can use any personal bank statement but preferably salary account or any account that display your emolument inflow if you claim to be a working-class . Yes you need to send along your personal bank statement if your profile display a working class candidate. It does not have to carry a specific amount though.

3. You dont need a deed of gift of 10.million especially if the gift is very recent. It woulf be term to delibrate action to deceive the embassy of your financial ability. Your sister is over enough based on your post. If the deed of gift is however over 1 year you may then include it but its not necessary.

You don't need a gift deed, infact do not use a gift deed to ruin your application.

The additional thing I will suggest is for your sister to pay off the full tuition fee, it will address the concern that the funds in her account may not be available for you in the future.

She can push it further by also setting up a GIC to cover your living expenses.

Above all, don't do a gift deed, submit your salary account as it is.

Ebukaxn:
Hello guys, I’ve gotten offer to school in Canada for a postgraduate study ,and the total tuition for the full year is 19,813 cad.
I have a sponsor (my elder sister) , she’s a nurse in the US and ends roughly $176,000 annually .

She has paid my complete tuition fee for the first semester alone , what is left is the second semester. And her bank statements show times 3-4 of the actual amount needed for my tuition and living expenses .

She has a bank statement of $85,246 available balance (118,773 CAD thereabout ) after paying the first semester tuition .

Additionally , she has a savings account of $30,000(41,799CAD) that she’s going to submit along side the other bank statement I mentioned earlier .
This is just a short brief of my circumstances as it seems now .

So now ;
even if my application is sponsorship based, I am still supposed to show my personal bank statement to show my financial strength incase things goes sideways ways .

I have 3 accounts I believe would be hard to use because earn 70k monthly in the;
FIRST ACCOUNT and the opening balance from the past 6 months is 800,000 naira with a closing balance of 50 naira

SECOND ACCOUNT has an opening balance of 186 naira with a closing balance of 1,358,025 naira

THIRD ACCOUNT has an opening balance of 3,027.32 naira and a closing of 22,958.41 naira

I am supposed to submit this application this coming week . I have barely any time left .

So I am considering a deed of gift of 10million naira from my uncle.

My main question here is , would a deed of gift be feasible for this application given the urgency of time (deadline ) or give a recommendation to this please , experts in the house .

Ebukaxn:
Hello guys, I’ve gotten offer to school in Canada for a postgraduate study ,and the total tuition for the full year is 19,813 cad.
I have a sponsor (my elder sister) , she’s a nurse in the US and ends roughly $176,000 annually .

She has paid my complete tuition fee for the first semester alone , what is left is the second semester. And her bank statements show times 3-4 of the actual amount needed for my tuition and living expenses .

She has a bank statement of $85,246 available balance (118,773 CAD thereabout ) after paying the first semester tuition .

Additionally , she has a savings account of $30,000(41,799CAD) that she’s going to submit along side the other bank statement I mentioned earlier .
This is just a short brief of my circumstances as it seems now .

So now ;
even if my application is sponsorship based, I am still supposed to show my personal bank statement to show my financial strength incase things goes sideways ways .

I have 3 accounts I believe would be hard to use because earn 70k monthly in the;
FIRST ACCOUNT and the opening balance from the past 6 months is 800,000 naira with a closing balance of 50 naira

SECOND ACCOUNT has an opening balance of 186 naira with a closing balance of 1,358,025 naira

THIRD ACCOUNT has an opening balance of 3,027.32 naira and a closing of 22,958.41 naira

I am supposed to submit this application this coming week . I have barely any time left .

So I am considering a deed of gift of 10million naira from my uncle.

My main question here is , would a deed of gift be feasible for this application given the urgency of time (deadline ) or give a recommendation to this please , experts in the house .

My little advice is that before spending a significant amount on studies, you should carefully assess the return on investment and also explore possible PR pathways you may already qualify for. Studying in Canada does not guarantee permanent residence. Immigration rules are changing, PR is becoming more competitive, and many international graduates are struggling to secure jobs and qualify for PR after graduation.

Make sure you are pursuing the program for its educational and career value, not with the expectation that a study permit will automatically lead to PR.

For example, my cousin abandoned the study route early last year and focused on learning French instead. After about 10 months of dedicated study, he passed the TEF and received a French-language Express Entry ITA this year. Everyone's situation is different, but it is worth exploring all available immigration options before committing to an expensive study program that may not ultimately lead to PR.

PhdCloakRoom:
1. You are in a safer side based on your sister's ability to cleared off the 1st semester fee and her ability to display capability for subsequent or miscellaneous fees. However ; millions of visa applicants have shown this kind of ability in a wrong way. Your sister must send a personal (Sponso's) SOP alongside your application. She must state her reasons, future or present gains from investing in your career etc.

2. You can use any personal bank statement but preferably salary account or any account that display your emolument inflow if you claim to be a working-class . Yes you need to send along your personal bank statement if your profile display a working class candidate. It does not have to carry a specific amount though.

3. You dont need a deed of gift of 10.million especially if the gift is very recent. It woulf be term to delibrate action to deceive the embassy of your financial ability. Your sister is over enough based on your post. If the deed of gift is however over 1 year you may then include it but its not necessary.

Thank you very much , so you’re saying I should just submit the application as is
No need for any deed of gift

Ebukaxn:
Thank you very much , so you’re saying I should just submit the application as is
No need for any deed of gift

Yes of course.
In fact Deed of gift has been abused. Its a study visa application gimmick that is relevant for certain categories of visa applicants (age group) but lets not go into that. Submit your application as it is. Also follow the suggestions of others that are relevant here ie that of @ATTAHDYE if possible.

Sheron50:
My little advice is that before spending a significant amount on studies, you should carefully assess the return on investment and also explore possible PR pathways you may already qualify for. Studying in Canada does not guarantee permanent residence. Immigration rules are changing, PR is becoming more competitive, and many international graduates are struggling to secure jobs and qualify for PR after graduation.

Make sure you are pursuing the program for its educational and career value, not with the expectation that a study permit will automatically lead to PR.

For example, my cousin abandoned the study route early last year and focused on learning French instead. After about 10 months of dedicated study, he passed the TEF and received a French-language Express Entry ITA this year. Everyone's situation is different, but it is worth exploring all available immigration options before committing to an expensive study program that may not ultimately lead to PR.

Just wait AbelAbdul He will soon call you a scammer hahaha😆

Many Province in canada don't care about international students pathways anymore for PR through PNP ,you will need to be in category in demand or labour shortage to be able to get PR.

Predator188:
Just wait AbelAbdul He will soon call you a scammer hahaha😆

Many Province in canada don't care about international students pathways anymore for PR through PNP ,you will need to be in category in demand or labour shortage to be able to get PR.

amnotpervert is a scammer. deal with it. As long as the guy you quoted has not scammed anyone I will not label him a scammer.

Predator188:

amnotpervert was pained that i refused to use his agent to apply for admission and visa. he keeps sending me agents contacts back to back. make una two go hang una sef becos i don get the visa.. mmmummuu joblesss lots.

Predator188:

amnotpervert said my study permit would not be approved because i did not use his licensed agents but i don shame him. d scammer d keep using AI to answer questions and lying to us about his location.

AbelAbdul:
amnotpervert was pained that i refused to use his agent to apply for admission and visa. he keeps sending me agents contacts back to back. make una two go hang una sef becos i don get the visa.. mmmummuu joblesss lots.

Welcome to canada in advance better strategize,before you say canada na scam.

dsureguy:
10k not being enough for visiting visa for a Nigerian living anywhere in this world is NOT TRUE..

At this point, you believe 10 million naira is enough for someone living in Nigeria I am telling you it's not, but that's fine.

I had already typed a long reply with links and explanations showing why, but then I thought, Hahaha, everyone has the right to believe whatever they want.

It's Sunday, and free will was preached in church today. You have the free will to believe whatever you choose... I am just here to make commect I do not know what I am talking about

dsureguy:
Nigerian living in Germany oga...

You moved the goalposts or not explaining what you are saying.

The original question from the first guy was about Nigerians living in Nigeria. Then you brought Germany into the discussion without mentioning whether the person has permanent residency in Germany, which can completely change whether $10,000CAD is enough or not.

These are three different circumstances and scenarios you are talking about:

1. A Nigerian living in Nigeria applying from Nigeria.
2. A Nigerian living in Germany on a temporary status.
3. A Nigerian with permanent residency in Germany.

Each situation has different requirements, financial considerations.

You can't mix them together and act as if they are the same thing.

AbelAbdul:
amnotpervert was pained that i refused to use his agent to apply for admission and visa. he keeps sending me agents contacts back to back. make una two go hang una sef becos i don get the visa.. mmmummuu joblesss lots.

Jesus Christ of Nazareth! 😂😂😂

You are really making up stories in your head.

Show me where I sent you an agent's contact. Let's start from there.

Before making accusations, provide evidence. Point to the exact post, comment, or message where I shared an agent's contact information. If you can't, then you are arguing against something that never happened.

How much is flight to Toronto, hotel for 2 weeks...

POF of 10k is more than enough, Oga. So far the money has good origin and you have reasonable ties back to Nigeria, IRCC will grant the visa...

I didn't even spend 4k for my last trip in March...

An average person in CA doesn't have 10k sitting freely in an account...

How much do you think your Nigerians over there use as POF to invite their parents?

amnotapervert:
At this point, you believe 10 million naira is enough for someone living in Nigeria I am telling you it's not, but that's fine.

I had already typed a long reply with links and explanations showing why, but then I thought, Hahaha, everyone has the right to believe whatever they want.

It's Sunday, and free will was preached in church today. You have the free will to believe whatever you choose... I am just here to make commect I do not know what I am talking about

dsureguy:
How much is flight to Toronto, hotel for 2 weeks...

POF of 10k is more than enough, Oga. So far the money has good origin and you have reasonable ties back to Nigeria, IRCC will grant the visa...

I didn't even spend 4k for my last trip in March...

An average person in CA doesn't have 10k sitting freely in an account...

You still don't understand the context and context matters. I believe you are in Germany.

$10,000 CAD may be more than enough to cover tuition deposits, flights, and initial expenses, but IRCC knows you live in Germany, not Nigeria. They can see that your circumstances are different and that you may earn $10,000 CAD in a couple of months. You are not the average Nigerian applicant applying from Nigeria.

How do I even explain this further?

You are comparing completely different situations. Someone living and working in Germany has a different financial profile, earning potential, and access to funds than the average Nigerian living in Nigeria.

It's the same reason many Canadians don't keep large amounts of money sitting in a savings account.

Well me I do not I have they saved in investment accounts, TFSA etc

They have access to credit facilities, lines of credit, investments, and other financial tools that people in Nigeria.

You can't use your situation as the benchmark for everyone else because the circumstances are completely different

AbelAbdul:
this scammer keeps discouraging people from coming to Canada as if Canada na him papa house.

So far the rate of approval on this forum outweigh the rejection but this scammer would say the rejection is high.

All because we refuse to use his agents to process visa.

This uninformed user is funny. The moment you don't agree with him, he starts calling you a scammer. 😂😂😂

You know why I love living abroad, especially in North America ( canada and USA)? There's room for everyone to succeed. That's why some of the things you say that discourage people sound crazy to me.

Not everyone will follow the same path, have the same budget, or get the same outcome. People have different circumstances, and that's okay.

But let's get back to the main issue: which agent are you talking about?

You keep yapping about an agent, yet you haven't shown a single post where I shared an agent's contact or told anyone to use an agent.

You are upset that I said no one should use an agent, and that if you do, you should make sure the agent is licensed and I sent a link to the list of lincenced agents for visa application thats all

If you're going to make accusations, at least provide evidence instead of making things up.

Predator188:
Welcome to canada in advance better strategize,before you say canada na scam.

I pray AbelAbdul does plan well else he will soon be here like Badadvisor hahahah crying about life in canada

Predator188:

This changes a lot of things. People who are doing their master’s in Ontario hoping to qualify for the Ontario PNP Master’s Graduate category are currently cut off. This is a big mess-up serious problem. https://www.cicnews.com/2026/04/ontario-invites-over-900-masters-and-phd-graduates-to-apply-for-provincial-nomination-0474479.html

Please house , I have HND (Lower Credit) from Federal Polytechnic Ado and Bsc (2.1) from Obafemi Awolowo University both in Accounting. I am a chartered Accountant (ICAN) with over 12 years experience as an Accountant in a Federal Polytechnic.
I want to go for Masters in Canada, please what are the options for me? How do I raise funds, should I go for loan? I am married with three kids as well
Thanks as i await your response.

siina:
Please house , I have HND (Lower Credit) from Federal Polytechnic Ado and Bsc (2.1) from Obafemi Awolowo University both in Accounting. I am a chartered Accountant (ICAN) with over 12 years experience as an Accountant in a Federal Polytechnic.
I want to go for Masters in Canada, please what are the options for me? How do I raise funds, should I go for loan? I am married with three kids as well
Thanks as i await your response.

Yes, you have a 2.1, so you can more easily apply for a master’s program.

How you will raise funds is up to you, but I always say that if funding is an issue, go for universities that are normally cheaper, like Memorial University or Brandon University.

If you are asking about taking a loan, where do you plan to get it from? Someone here may be able to help you with loans for Nigerians...but you might not have alot of options

Being married does not affect your application, but if you want to bring your children with you, you will need more funds as proof of funds and for living expenses. The more children you add to your application, the higher the funds required.

I live in Nigeria, Oga...

We are talking about visiting Visa not schooling...

amnotapervert:
You still don't understand the context and context matters. I believe you are in Germany.

$10,000 CAD may be more than enough to cover tuition deposits, flights, and initial expenses, but IRCC knows you live in Germany, not Nigeria. They can see that your circumstances are different and that you may earn $10,000 CAD in a couple of months. You are not the average Nigerian applicant applying from Nigeria.

How do I even explain this further?

You are comparing completely different situations. Someone living and working in Germany has a different financial profile, earning potential, and access to funds than the average Nigerian living in Nigeria.

It's the same reason many Canadians don't keep large amounts of money sitting in a savings account.

Well me I do not I have they saved in investment accounts, TFSA etc

They have access to credit facilities, lines of credit, investments, and other financial tools that people in Nigeria.

You can't use your situation as the benchmark for everyone else because the circumstances are completely different

siina:
Please house , I have HND (Lower Credit) from Federal Polytechnic Ado and Bsc (2.1) from Obafemi Awolowo University both in Accounting. I am a chartered Accountant (ICAN) with over 12 years experience as an Accountant in a Federal Polytechnic.
I want to go for Masters in Canada, please what are the options for me? How do I raise funds, should I go for loan? I am married with three kids as well
Thanks as i await your response.

Take it or leave it and face the positive or negative consequences. The North American visa officers (US/Canada/Mexico) from the beginning of Trump era are now super-psychologists 😀 I mean they issue visas based on real intentions and reasonable permutations.

It may not fly well opting for Msc in Canada. Do your Msc in a reputable public research University in Nigeria ie OAU , ABU. Unilorin, UNN etc ....work with good professors and try harder to come out with better cgpa.

Then apply for Phd in Canada which comes with fundings and working options (based on your academic standing.

Seeking for loan to apply for study abroad is a red flag in visa issuing decision no matter how well you can display the repayment to the visa officers except if you are an undegraduate with a scholar feat but who come from a humble family.

Alternatively you can look out for Msc with the option of graduate assistance (work-study) with your ican and years of teaching experiences as well as good recommendation letters and use court affidavit with a family member or outsider as your sponsor. You must apply alone if you are considering this option.

PhdCloakRoom:
Take it or leave it and face the positive or negative consequences. The North American visa officers (US/Canada/Mexico) from the beginning of Trump era are now super-psychologists 😀 I mean they issue visas based on real intentions and reasonable permutations.

It may not fly well opting for Msc in Canada. Do your Msc in a reputable public research University in Nigeria ie OAU , ABU. Unilorin, UNN etc ....work with good professors and try harder to come out with better cgpa.

Then apply for Phd in Canada which comes with fundings and working options (based on your academic standing.

Seeking for loan to apply for study abroad is a red flag in visa issuing decision no matter how well you can display the repayment to the visa officers except if you are an undegraduate with a scholar feat but who come from a humble family.

Alternatively you can look out for Msc with the option of graduate assistance (work-study) with your ican and years of teaching experiences as well as good recommendation letters and use court affidavit with a family member or outsider as your sponsor. You must apply alone if you are considering this option.

Thank you for your reply

I wanted to say that loans for studying abroad are a red flag, but one person called AbelAbdul will say I am discouraging people from applying abroad hahahah and start to use his favorite work scammer Agent etc with no evidence

I wanted to change my tone to be nice for a sec, but the average Nigerian doesn’t like direct truth; they prefer sweet lies. Just like one guy mentioned, he paid 20k to join a group so they can add him so he can know how to school in Canada for 10 million naira

People who do not even have the funds are thinking about loans; IRCC does not waste time with that....

except you get a scholarship its very hard becasue you must explain to IRCC how you got your funds

I will always be direct: schooling abroad is not cheap siina. the avergae 2 years masters or PGD program will cost you about more than $45,000 CAD thats a conservative amount

dsureguy:
I live in Nigeria, Oga...

We are talking about visiting Visa not schooling...

so you had 10 million naira no other amount ooo and applying for vistor visa and got it from Nigeria in 2025/2026 ?

amnotapervert:
Thank you for your reply

I wanted to say that loans for studying abroad are a red flag, but one person called AbelAbdul will say I am discouraging people from applying abroad hahahah and start to use his favorite work scammer Agent etc with no evidence

I wanted to change my tone to be nice for a sec, but the average Nigerian doesn’t like direct truth; they prefer sweet lies. Just like one guy mentioned, he paid 20k to join a group so they can add him so he can know how to school in Canada for 10 million naira

People who do not even have the funds are thinking about loans; IRCC does not waste time with that....

except you get a scholarship its very hard becasue you must explain to IRCC how you got your funds

I will always be direct: schooling abroad is not cheap siina. the avergae 2 years masters or PGD program will cost you about more than $45,000 CAD thats a conservative amount

Thank you for your input.
Nobody knows all. We re all learning from one another. Taking a loan is generally not good but that does not mean that some have not gotten visas with loan.

Pls lets focus in educating the general public with our ideas and skills because Nairaland is not serving Nigerians alone. Pls all parties should forget rift and work together 🙏

amnotapervert:
This changes a lot of things. People who are doing their master’s in Ontario hoping to qualify for the Ontario PNP Master’s Graduate category are currently cut off. This is a big mess-up serious problem. https://www.cicnews.com/2026/04/ontario-invites-over-900-masters-and-phd-graduates-to-apply-for-provincial-nomination-0474479.html

Even Manitoba has delayed International education stream with job offer in demand occupation since September 2025 ,that was last PNP draws ..
One year pgwp is very risky these days...

My

amnotapervert:
Yes, you have a 2.1, so you can more easily apply for a master’s program.

How you will raise funds is up to you, but I always say that if funding is an issue, go for universities that are normally cheaper, like Memorial University or Brandon University.

If you are asking about taking a loan, where do you plan to get it from? Someone here may be able to help you with loans for Nigerians...but you might not have alot of options

Being married does not affect your application, but if you want to bring your children with you, you will need more funds as proof of funds and for living expenses. The more children you add to your application, the higher the funds required.

I was thinking towards passage and the like

PhdCloakRoom:
Take it or leave it and face the positive or negative consequences. The North American visa officers (US/Canada/Mexico) from the beginning of Trump era are now super-psychologists 😀 I mean they issue visas based on real intentions and reasonable permutations.

It may not fly well opting for Msc in Canada. Do your Msc in a reputable public research University in Nigeria ie OAU , ABU. Unilorin, UNN etc ....work with good professors and try harder to come out with better cgpa.

Then apply for Phd in Canada which comes with fundings and working options (based on your academic standing.

Seeking for loan to apply for study abroad is a red flag in visa issuing decision no matter how well you can display the repayment to the visa officers except if you are an undegraduate with a scholar feat but who come from a humble family.

Alternatively you can look out for Msc with the option of graduate assistance (work-study) with your ican and years of teaching experiences as well as good recommendation letters and use court affidavit with a family member or outsider as your sponsor. You must apply alone if you are considering this option.

I don't understand, will the main company show that I will be funded through loan?

siina:
My

I was thinking towards passage and the like

I don't know how Passage works, but even if you get a loan, you will need to explain to IRCC how you obtained the funds. If they find out it's a loan, that could be a major red flag because you will have to repay it.

IRCC understands that, as a student, your primary focus should be your studies, and your work opportunities are limited. Because of that, they may question your ability to repay the loan while studying.

You will need to clearly explain the source of the funds to IRCC, and in my opinion, relying on a loan does not look very strong.

Predator188:
Even Manitoba has delayed International education stream with job offer in demand occupation since September 2025 ,that was last PNP draws ..
One year pgwp is very risky these days...

Hmm,oooo boy, it's really not easy. Things are changing very fast.

Don't tell AbelAbdul though he will say you are discouraging people from coming to Canada and start calling you a scammer just for sharing the news. 😂😂

Sometimes people confuse discussing reality with discouragement. Sharing updated information doesn't mean you are telling people not to come; it just means you're helping them make informed decisions which he will never understand .