Hello worshipper,
Thanks for your post. However, I find your story quite far-fetched.
Are you talking about a Canadian Institution that is a DLI that refuses to refund all your money after you have proved that your visa was refused? I have been in this business since 2013, never have I had trouble withdrawing funds from a Canadian DLI on grounds of visa refusal. I know they will charge about $200CAD admin fee for the refund but that is already stated within the withdrawal policy. In fact most withdrawal policies are such that when a student has even gotten their permits, and are in Canada already and have only attended lectures for a specified period of time and then decide to quit the program, they are entitled to get their full refund. So name the school here, I will investigate why... I will rather pay money to a Canadian DLI and go to sleep than borrow my neighbor money. The reason is simple. I am 100% certain that I will get the refund back!
For others reading this, the Canadian study permit approval rates for Nigerians as at 2017 is less than 15%, by now it will be about 10%, 2018 report is not yet out. What is the implication of this, it means if 1,000 people apply for study permits from Nigeria only 100 will get their visas approved. This means you must do everything necessary to convince the VO of 3 basic things
1. Clear purpose of visit- Study via your LOA
2. Ability to Fund item (1)- Best you pay at least a semester, if you were working with me, I would demand you pay for a year, or else I would not touch your application. Even this is not a Guarantee, but its better than not paying at all.
3. Intention to return to home country after studies- This is the trickiest part of any Canadian study permit.
Many people do not actually have the funds, they just get a third party to put money in their accounts for them to present to the VO, well the embassy is very aware of this fact, and unless your parents are well known multimillionaires, just showing bank statement in an account will not convince the VO that the funds are actually at your disposal when it is time to put in the application. Please note that one of the major reasons it takes forever to get your study permit decision is the amount of investigation the VO is doing on your application and documents submitted, as well as background checks on source of income.
In the end its your choice, if you choose, pay your tuition, if you like don't pay, wetin your see, na you know.
Cheers
Omofar