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Hi! Just in case anyone has an idea, what is likely the rate of SV disapproval for both applicants under SDS and non-SDS? Thanks!

Hi! I'm going to apply for a student Visa soon. I just would like to ask which among 2 ways of showing funds is the most effective in getting SV approved? Is it thru SDS? Or thru show money + LOA? The problem with SDS is that if the SV won't be granted, refunding would be tedious, since you've...