Hi,
thank you for replying, Ryerson arranged an online session on zoom, they told us Fall Sept-Dec session will be completely online and no on campus requirement for fall, so international student outside Canada and PR holders outside Canada can attend online and they dont need to come to Canada. so I will pay my first semester fees myself. They said second semester (Jan-Apr) will be in-person. We almost have 45-50 students in our course (Class) international plus domestic. its a fixed one year masters. If second semester will be in-person I will try to land between 15 Dec---11 Jan as these would be off days from Uni. One more thing, Winter semester can be online too depend on COVID-19 situation that time but I am not sure.
As far as fees is concerned, Ill pay first semester fees from my savings, then will apply for OSAP loan if approved, otherwise will get loan for 2nd, 3rd semester fees from my family or relatives. I just dont want to waste my year as I find very difficult to get professional jobs in Canada without Canadian education and experience.
One thing more, one of my friend told me that some banks also provide loan to students but we have to pay within few years like 2-3 years and not like OSAP (8-10 years)