For everyone who is asking about GIC:
-Your name needs to be on the active tax payers list (ATL) or if one your parent is on ATL then you can open a joint foreign currency account with your parent.
-You can only wire transfer education fee (any amount mentioned on the admission letter will be accepted) through local currency accounts so there's no other way but to open a foreign currency account for GIC payment
-I recently got my letter from scotia bank, Alhamdulillah! I processed my payment from meezan bank and the whole process took me almost a month, from opening the account to receiving investment directions letter.
This GIC process is pretty long and frustrating, but don't lose hope.