I got refused student visa two times. First because there was not enough funds, second time I made sure it's more than enough but got refused again because I didn't provide the information where the money came from (sent by a very good friend). This wasn't written in a letter of refusal I just talked to the embassy workers (I didn't get why was I refused second time and I asked and asked). So when I had an interview with a consulate he told me to provide the letter explaining where the money came from so my friend wrote very personal letter describing our relationship and why they want to help me. I got my visa! So my advise - explain where the money came from and ask your relative to write a letter.