One thing you need to understand is that they have mentioned to issues that you won't return back to your home country secondly you course in not relavent. So stop worrying about finances. You need to give reasons why you have opted this course. Why not in your home country. You better know about your course of study. And do let them know about your family ties. what will help you in future for securing you job in your country of residence. Sit with your consultant and ask him why he hasn't mentioned these points.