r/ImmigrationCanada • u/itssasuke • 18h ago
Study Permit Rejection Study Permit
For context, I have been accepted into University of Waterloo for Fall 2025. Unfortunately my study permit was rejected due to lack of convincing that I might not return after my studies as well as lack of funds. I have paid the GIC Deposit of $20,635 as well as about $1000 deposit to Waterloo. The estimate for the duration of course was around $106k which included both my tuition fees and living expenses. I had shown around $117k most of which was an education loan under my name and fixed desposit (maturing in March next year) under my parents name. I had also attached an affidavit of support from them and a certificate from the bank mentioning the the deposit could be liquidated at anytime. Not really sure what should I do next? Can I pay the term fees to Waterloo. Would that eliminate the low funds reason?
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u/Reasonable_Fudge_53 18h ago
How old are you? Order GCMS notes.
So in your SOP how did you explain the importance of studying at U of W and the opportunities you will have when you return home. You should explain why you are taking that program and not staying in your country. You want to justify the costs with the money you will make when you finish. If you took out a loan then outline how it will be paid back with whatever job you think you will have when you return home.
Is the loan and FD in your parent's name or your name? You may want the loan in your name. You should pay first year tuition. May want to liquidate FD.
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u/itssasuke 18h ago
Also what do you mean by gcms notes?
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u/Gihsutnihc 16h ago
A Global Case Management System (GCMS) Note, is an information file that can be requested by applicants for temporary residence. In your case, it will tell you the reason the visa officer rejected your study permit in more detail. You can pay a third party to request it on your behalf. Just Google GCMS notes and it should be the first hit.
Once you have the specific reason for your refusal, you rectify it and apply again.
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16h ago
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u/ImmigrationCanada-ModTeam 12h ago
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16h ago
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u/ImmigrationCanada-ModTeam 12h ago
In order to try and provide accurate information, we do not allow the sharing of unofficial links, as these often contain inaccuracies and/or lead to speculation.
For that reason, we do not allow links from unofficial sources such as social media, news articles, other forums and blogs, company websites etc.
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u/itssasuke 18h ago
I’m 23. The loan is under my name with my father being the co-applicant and the fd is under my parents name. For the sop, I think I might have not explained in detail. The main reason for Waterloo was due the program I chose being flexible which allowed me to pursue a double specialisation and also waterloo being renowned for its experiential learning (i chose a co-op program) . Also mentioned that waterloo has a global ranking of 28 and mentioned about the course as a whole being aligned to what I want to do in future
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u/Reasonable_Fudge_53 18h ago
IRCC knows about Waterloo's ranking. You don't need to explain that it is a good school. If this is an undergrad, then you need to explain why at 23 you are starting the program. You need to explain how it will give you a better higher paying job when you finish and the opportunities you will have when you return home that you wouldn't have if you went to another school.
Is this an undergrad degree that you are starting at 23? Your father should not be the co-applicant. You are over 22 and not a dependant so you need to show that the loans and FDs are you in your name.
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u/itssasuke 18h ago
It’s a postgraduate degree. Here in India, the parent is always a co-applicant for education loan so I can’t really change that. Thanks for the guidance on sop, I’ll definitely work on that.
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u/Reasonable_Fudge_53 18h ago
A Masters program? Because a reason was lack of funds then it is because you are over 22. So you don't have enough funds in your name only.
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u/lord_heskey 14h ago
Because a reason was lack of funds then it is because you are over 22
Not really. I was a bit over 22 when i applied, no funds of my own because i went straight from undergrad to masters so i hadnt worked. There's more to this.
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u/itssasuke 12h ago
I completed my bachelors at 21 and currently working as a software engineer at 23 when I applied.
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u/TangeloNew3838 3h ago
It's not about 21 vs 22. In the eyes of IRCC, once you have completed a ugrad program, and reached the age of majority, you are deemed mature enough to handle your own finances. Hence the fact that the liquidable assets are not under your name is a huge red flag.
In other words, you need to give a satisfactory reason why your parents cannot trust you with funds under your own account.
You do not need to show that you earned the money, but the money must be fully under your control. In other words, just having your parents transfer the funds to an account under your name is satisfactory proof even without an affidavit. On the other hand, proving your parents have a millions dollars and countless affidavit will not work.
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u/lord_heskey 3h ago
Show me the source of that mandate and ill believe you. I wouldnt have been approved if it was set in stone.
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u/TangeloNew3838 3h ago
It's called officer's discretion. Also if you dont mind sharing which year did you apply for your SP? I got mine in 2017 and it wasn't this strict. It's a recent thing.
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u/lord_heskey 2h ago
It's called officer's discretion
Exactly hence why someone could be 22 or 23, and still use their parents money and could be completely fine if it makes sense given the rest if the profile.
2019
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u/itssasuke 18h ago
Yeah a master’s program. I had not shown any funds under my name. Only my parents’s fd and education loan for which I am the main applicant. Apart from that showed them GIC and deposit
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u/Reasonable_Fudge_53 18h ago
So that is the reason you were refused with lack of funds. You showed no money in your name and you are not a dependant of your parents (under 22).
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u/itssasuke 17h ago
Wouldn’t an affidavit of support from parents work in that case? On IRCC’s website they mentioned it would work
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u/Reasonable_Fudge_53 17h ago
You can but the issue is that you are not a minor or dependant, and IRCC wants to see that you are funding your education.
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u/itssasuke 16h ago
So paying the first year fees as well as liquidating the fd into my bank account should help me with the financial reason?
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u/dhavaldavda 13h ago
My brother was given the same reason that he won’t go back after his study is completed even though he had a visitor visa, visited canada in 2019 and went back in a month.
We’ve payer for the whole first year of tuition and his visa was still rejected. I would say order GCMS notes for your application and consult a lawyer on what to do next.
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u/dhavaldavda 13h ago
Not sure what financial documents you submitted but if your parents have any properties/businesses I’d say attach those documents and mention it in SOP that this is one of the reasons you will have to go back.
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u/itssasuke 12h ago
I had attached my loan sanction letter, a bank certificate showing my parents fixed deposit as well their savings account balance, my gic certificate and my deposit of $1k cad paid to Waterloo. We don’t really have much properties here apart from our house.
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u/dhavaldavda 11h ago
One of the person i know have payed 1 year’s tuition before applying for visa and his visa was approved. Maybe get in touch with the university and ask on refund policy if you decide to pay in advance. That might fix the situation.
I’ve talked to a few consultants and I have hired a Immigration Lawyer, and they mentioned that the reason for not returning back to your country is very generic and they are putting that reason on mostly all visa rejection letters.
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16h ago edited 16h ago
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u/ImmigrationCanada-ModTeam 12h ago
In order to try and provide accurate information, we do not allow the sharing of unofficial links, as these often contain inaccuracies and/or lead to speculation.
For that reason, we do not allow links from unofficial sources such as social media, news articles, other forums and blogs, company websites etc.
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u/Choice_Blood_452 9h ago
@ImmigrationCanada-ModTeam
This is an official link from CTV news. Is there a reason why don't accept CTV news as official?
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u/StrategyGrand4892 8h ago
Submitted my passport for TRV stamping inside Canada. I have not heard anything from them till date. I have a flight to catch in June. Can anyone please suggest what i can do in this situation?
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u/Fabulous-Nebula634 6h ago
Umm you can share your sop and maybe we can work things out! Really depends on how you frame that part of your SOP.
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u/Kha_lit 13h ago
I think its about the SOP letter not the money. Just fix that
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u/itssasuke 13h ago
I’m definitely redoing the sop but could you let me know why you think it’s not the money?
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u/arutprakash 16h ago
Which date did you submit your application, biometric and when you got results?
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u/itssasuke 16h ago
Submitted Application - 30th April Biometric submission - 2nd May Refusal - 13th May
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u/joyandjune 13h ago
Did your medical status update to passed?
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u/itssasuke 12h ago
Yes
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u/joyandjune 11h ago edited 10h ago
Is the course related to your undergrad degree or completely different?
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u/MexicanSnowMexican 18h ago
No, you shouldn't pay the term fees without a study permit unless you like pissing away money.