As rightly mentioned by d@n!3 - It comes down to your personal preference i.e. studying online and risk of losing money in case of refusal. I would normally speak with my DLI about their refund policy in cases where I intend to start studying remotely without a visa. If they provide you with a full refund in case of a refusal then the risk factor gets reduced overall.yes I know. Just hope they could give results before the classes begin. Someone said now refusals are delivered within 30days. Hope it's worth waiting for months