Thank you for your prompt response.
My school doesn't know my tuition for one yr. This is how my program is structured:

The expected length of studies provided is minimum of 3-terms and maximum of 5-terms for the MENG program. We are expected to do 8-courses for the entire program. meaning you can register for 3, 3,2 courses and conclude the program in 1-yr or you do 2,2,2,2 and complete it in 4-semesters(1-year and 1-semester) and the total fees for the entire program is 27,500 for the 8-graduate courses.

So this makes it difficult to determine the fees for the first yr because my plans is to do 4-semesters (16-months).

Secondly, the current CBN policy on forex only allows a student a maximum of $15,000 per Semester which is what I have paid already(Maximum limit per term reached).
Please advise I am really confused!

[quote author=jnyuwa02 post=67233858]

The best way to tackle is to pay one full year tuition and make sure money in investment is liquidated and available in immediately exportable forms. If you do t want to liquidate, paying one year full tuition would do.

Thank you for your prompt response.
My school doesn't know my tuition for one yr. This is how my program is structured:

The expected length of studies provided is minimum of 3-terms and maximum of 5-terms for the MENG program. We are expected to do 8-courses for the entire program. meaning you can register for 3, 3,2 courses and conclude the program in 1-yr or you do 2,2,2,2 and complete it in 4-semesters(1-year and 1-semester) and the total fees for the entire program is 27,500 for the 8-graduate courses.

So this makes it difficult to determine the fees for the first yr because my plans is to do 4-semesters (16-months).

Secondly, the current CBN policy on forex only allows a student a maximum of $15,000 per Semester which is what I have paid already(Maximum limit per term reached).
Please advise I am really confused!

Baba I sent you an email regarding my SOP

jnyuwa02:


Sir I schooled in the United States and every financial statement I submitted was checked by the USA embassy before a visa was issued to me. So your statement that they don’t checks statements is categorically false. And having schooled there, no private organization would extend a loan to a foreign student because of the risk involved. And foreign students are barred from applying for FAFSA, which is the loan available from the government. And no private organization I know does that, except the schools themselves are the ones who extend financial aid to very promising foreign students in the way of a combination of scholarships, loans and work study. That said, should you get loan from these people you aver is possible, in the Canadian visa process, it will not easily scale through. Visa officers would hardly grant you visa because getting a loan will paint you as financially impoverish. Purpose of visit, return based on asset and financial status is loading!

jnyuwa02:


If you apply for admission and get an acceptance from another school, you can. You cannot simply switch. You have to be accepted first to a school and then you can switch. So if another school accepts and gives you admission, that is all it takes to switch. Go to your online profile of CIC and make that switch here in Nigeria before leaving or when you get to Canada. MBAs are quite expensive, so I see your logic.

Thank you bro. The issue really is not about MBA being expensive, I have already paid CAD3000 as an initial deposit which I am willing to forego. I had tried severally to gain admission to study a masters in computer science but failed. I guess the reason was because my first degree was in electrical and electronics and I graduated 2009. I then decided to apply for MBA since I had 7 years of working experience with business solutions and applications. So MBA was more of a second thought. My main aim is to change careers to software development. I recently received an email saying my application had been successful at UBC to study an accelerated Bachelor's in computer science. I plan to pursue a masters in computer science immediately afterwards.

KlausMike:


Thank you bro. The issue really is not about MBA being expensive, I have already paid CAD3000 as an initial deposit which I am willing to forego. I had tried severally to gain admission to study a masters in computer science but failed. I guess the reason was because my first degree was in electrical and electronics and I graduated 2009. I then decided to apply for MBA since I had 7 years of working experience with business solutions and applications. So MBA was more of a second thought. My main aim is to change careers to software development. I recently received an email saying my application had been successful at UBC to study an accelerated Bachelor's in computer science. I plan to pursue a masters in computer science immediately afterwards.

Congrats, create an online account with CIC and enact that change in school. You will be ready to roll. If an office at point of entry asks why you used MBA to get visa, tell him the school you changed to admission came late and after much deliberation, you decided in favor of UBC.

jnyuwa02:


If you apply for admission and get an acceptance from another school, you can. You cannot simply switch. You have to be accepted first to a school and then you can switch. So if another school accepts and gives you admission, that is all it takes to switch. Go to your online profile of CIC and make that switch here in Nigeria before leaving or when you get to Canada. MBAs are quite expensive, so I see your logic.

Boss! The bolded is the best for Klausmike. Since he is trying to switch from MBA to an accelerated bachelor's degree. A degree that is way lower to his previous intended program, it's better he gets into Canada first before switching.

My advise!

jnyuwa02:


You have to scale through a lot of obstacles with the VO. You have to justify why at 28 going for an undergraduate course, why they should believe you are a genuine student. You have to justify why you want to study in CAnada and not Nigeria. Is the course you are interested in not available in higher and tertiary institutions in Nigeria? Visa officers have started doing their own searches and not depending on what people tell them. You have to also show reasons why they should believe you would return to NIgeria after your studies. If you are a self sponsored student and single and don’t have parental support in terms of coming from a financially buoyant family, it’s going to a rough road to travel. I wish you the best. Get abled hands to help you and you might win. But it will be very tough for you is my speculation.

Thanks a lot....

Frankrobbn1:


Boss! The bolded is the best for Klausmike. Since he is trying to switch from MBA to an accelerated bachelor's degree. A degree that is way lower to his previous intended program, it's better he gets into Canada first before switching.

My advise!

That too would work. Even before he gets to Canada, depending on which one he is more comfortable with. You really don’t have much to justify and might not even get a question at point of entry.

jnyuwa02:


If you read my post carefully, I didn’t close the door that it would be impossible. In a realm of possibilities, anything is possible. My assertion is that I never heard of this company and even if it exists, it will hardly fly with the Canadian rigorous visa process where finances are key and primary. And the VO don’t believe anything in the SOP except backed with evidence. So providing proof that you have loan without showing convincing evidence that you have substantial ties to your country and justifying the lucrativenees of your job prospect back home to warrant both a foreign education and your return, is bound to fail. I wish him luck too though. The way forward is not only write a convincing SOP on why burrow, but show evidence in assets and financial status and family. He needs to do more work than the average candidate. In the Canadian system you can even pay your entire schoool fees and be denied, talkless of one who burrows. Good luck! Certainly worth a try. Not trying to talk anyone down.

Everything you stated above applies to everyone applying for study permit. Starting from showing good home ties to good job prospects. It all has to do with putting up a very good application. I feel there is no need to make him feel that his/her chances are slim because of the loan. How many people can afford to pay 80k CAD without a loan? Like every other applicant, he/she should put up a good application and the chances of getting approved is same as every other person on this journey.
People submit good applications and get rejected while some others submit weak applications (plus lies) and get approved.

Newman1010:


Everything you stated above applies to everyone applying for study permit. Starting from showing good home ties to good job prospects. It all has to do with putting up a very good application. I feel there is no need to make him feel that his/her chances are slim because of the loan. How many people can afford to pay 80k CAD without a loan? Like every other applicant, he/she should put up a good application and the chances of getting approved is same as every other person on this journey.
People submit good applications and get rejected while some others submit weak applications (plus lies) and get approved.

Chances are not and can never be the same. A loan on one’s application are an outlier and not a good thing with the Canadians. He has to do significantly more than others. People who present a weak application and succeed through are just lucky. A person with loan has to do much more than the average person to succeed. I pitch on applications here based on evidence not luck. Anything tangent on luck is beyond the purview of my analysis. I can only make a call on what I see. It’s my honest advice to take or leave. I hold no monopoly on what can be. He should try. You are right there can only be two answers yes or no. Best wishes.

jnyuwa02:


That too would work. Even before he gets to Canada, depending on which one he is more comfortable with. You really don’t have much to justify and might not even get a question at point of entry.

I am comfortable with getting to Canada first oh.. Before stories that touch start. Lol!

jnyuwa02:


Chances are not and can never be the same.[/b] A loan on one’s application are an outlier and not a good thing with the Canadians [b]. He has to do significantly more than others. People who present a weak application and succeed through are just lucky. A person with loan has to do much more than the average person to succeed. I pitch on applications here based on evidence not luck. Anything tangent on luck is beyond the purview of my analysis. I can only make a call on what I see. It’s my honest advice to take or leave. I hold no monopoly on what can be. He should try. You are right there can only be two answers yes or no. Best wishes.

@ the highlighted statement, kindly confirm where you got that information from.

Till then, @hilaryxoxo, kindly ensure that you put up a good application. Be clear on your purpose of visit, ties to home country, assets if you have any, your parents property can help. Also ensure your previous study/ current job is in line with the MFIN program, explain all gaps, share your travel history, share your after study plan and show proof that the loan can be paid with what you intend to do in Nigeria.

Lastly pray, pray and continue to pray

Come back here in two months to share your testimony.

Newman1010:


@ the highlighted statement, kindly confirm where you got that information from.

Till then, @hilaryxoxo, kindly ensure that you put up a good application. Be clear on your purpose of visit, ties to home country, assets if you have any, your parents property can help. Also ensure your previous study/ current job is in line with the MFIN program, explain all gaps, share your travel history, share your after study plan and show proof that the loan can be paid with what you intend to do in Nigeria.

Lastly pray, pray and continue to pray

Come back here in two months to share your testimony.

I got it from not just a page of applicants, but volumes with the financial wherewithal to undercover their expenses and were told otherwise, talkless of one without-whom I surmised has to do much more. I pray and wish him the best as you.

chkb:

But since he wants to use his personal acct, does he still need to get his company papers.

Yes he does (to show source of his funds). Does he have any other source of making money apart from his company? If yes, then he can use the other source but if not then he will have to use the company's

mcobex:
Yes he does (to show source of his funds). Does he have any other source of making money apart from his company? If yes, then he can use the other source but if not then he will have to use the company's

This is correct advise!

Martswoll:
9 weeks no medical call yet , I haff tire !!

The only update I get is there is no update, which kin thing be this nah !?

Sorry about that, have you mailed cic to remind them? cos it has exceeded the processing time

[quote author=edosunday1 post=67234237][/quote]

It would be advisable to put 27.5k as the total available for your studies since you are uncertain how much time and fees involved yearly. Concentrate then in showing you have the 27.5k in your account. Since 15k is the maximum through Forex, I will advice you look for alternative source in paying up the 27.5k required. If possible. There are private citizens who would do it for you at black market rate. This I am sure will tackle previous denial on insufficient funds. Walking past that, they can go ahead and deny you on other grounds. So make sure to cover all grounds. You need to justify why you cannot study in Nigeria and have decided to go the difficult and expensive route of a foreign education. CIC has started searching by itself the availability of these courses in NIgeria and not simply what people say in their SOP. You are better off saying other things that apply to you, rather than saying these courses are not available or well taught in Nigeria. You need to cover your grounds on ties and explicate the factors that would induce your return to Nigeria. Best!

KlausMike:


I am comfortable with getting to Canada first oh.. Before stories that touch start. Lol!

LOL!

mcobex:
LOL!

You can't blame me, I have been on this Canada runs since early last year.

KlausMike:


You can't blame me, I have been on this Canada runs since early last year.

I don’t blame you. Nobody ever sent back just because they changed courses or schools prior to departure. It’s perfectly justifiable. But I feel you. Best!

KlausMike:


You can't blame me, I have been on this Canada runs since early last year.

No problem bro, you are good to go.

Hello everyone.

Please is it a MUST that medicals must be done before you get your TRV? I applied less than 2weeks already and i chose to wait till i'm requested to do the medicals, even though it may take longer, but really, i'm not in a rush. I believe there's still time.

Have there been exemptions? I just returned from Canada in March. Could that help too?

I also read someone's post of not hearing anything after 9weeks of application. These delays still happen or there could be a reason.

I'm already thinking two weeks is too long sef without hearing anything.LOL Maybe because i got my visiting visa in 2weeks.

Please your responses would be appreciated.

May God answer the desires of our hearts according to HIS will.

Solarmila:
Morning e-family,

Please i have a question. I want to apply for a PDG in HR, want to go with my family( hubby, 3kids oldest will be 5 in June). Just read a post on the kids obtaining permit. What type of visa will be hubby be given? Please help.

What certificate are you currently holding?

Good day , guyz please what is the most solid way for one who just finish service to show home ties?

harde116:
Hello everyone.

Please is it a MUST that medicals must be done before you get your TRV? I applied less than 2weeks already and i chose to wait till i'm requested to do the medicals, even though it may take longer, but really, i'm not in a rush. I believe there's still time.

Have there been exemptions? I just returned from Canada in March. Could that help too?

I also read someone's post of not hearing anything after 9weeks of application. These delays still happen or there could be a reason.

I'm already thinking two weeks is too long sef without hearing anything.LOL Maybe because i got my visiting visa in 2weeks.

Please your responses would be appreciated.

May God answer the desires of our hearts according to HIS will.

Medical is a must if you applied for study permit(intend studying in Canada for more than 6 months). Wait for cic to send your medical mail

jnyuwa02:


The second scenario is what you are suppose to put. But funds available is $25,600. That is funds available for one year of study. The visa officer will compute the rest, funds available in succeeding years, from the funds balance in your statement of account presented. If they have any doubts, they will ask you to pay. Don’t worry, I have seen people do it both ways and succeeded. Put total available to them for the whole years of program or just one year. The VOs are trained in interpreting how much is available to you for your study based on how much money you have. They hardly miss it. But the correct one is to indicate how much available to you for one year! And be sure to explain in your SOP that you got a tuition waiver for the second year!

Thanks for the reply

[quote author=Phocusjosh post=67221587]Anyone going to University of Manitoba fall 2018?[/quote


Me

Oh i see. Thank you.

mcobex:
Medical is a must if you applied for study permit(intend studying in Canada for more than 6 months). Wait for cic to send your medical mail

edosunday1:
Hello great people!
Please what is the best approach to tackle previous denial on funds.

I am self sponsored and I have been working for the past 10- years. I was denied last year September on insufficient funds(GCMS notes reveals "recent lumb sum deposits from unknown origin". The money was invested in treasury bills and fixed deposit and was liquidated into my account prior to printing my statements to ensure the funds are available and accessible for my studies.

I want to re-apply again this fall but this time, I avoided re-investing the money into fixed tenor investment to avoid liquidation into my account at maturity prior to my application. How best can I convince the VO to believe the funds is mine because sincerely it is mine. It is also very frustrating living money in accounts without interest when I could have made fortune from investment.

My total tuition in Windsor is C$ 27,500 and I have deposited about C$ 18,000 and I have over $9000 in my Dom Account including more than enough funds in my salary account.

I am also married with a daughter but my wife is not accompanying me to Canada now because of her work.

Hello @edosunday1,

I also have a suggestion for you.
I think its best to satisfy the VO's concern regarding the source of funds.

Since you state that the funds were liquidated from money invested in treasury bills and fixed deposit, why not get the portfolio statement from your bank and a letter of reference for the liquidated funds. ( The bank will willingly give this to you).

This will go a long way in proofing the source of funds.

In my own case, ( even though I am yet to submit), i am not liquidating my investments yet, but I have a letter from the bank with the details of my investment and also stating that it can be liquidated at any time by me. I also have a bank reference letter to back this up.


This should help.

Goingforward.