Confused. Some posts include your husband coming to Canada and some don't. I assume you are looking at winter admission because it is so late. Depending on where you are studying the cost of daycare for your child could be up to $1800/month. It is hard to tell because not clear how CIC will interpret your family financial support and you and your husband's savings which seems to really be a loan. Have you been granted a study permit? Have you been accepted into a masters program?