URGENT**Assess my PROFILE for student VISA*** pls help TIGER & ENFIELD***

[Abhishek9]

Hi,

I am Abhishek from Delhi, india and interested to Study in Canada. I am looking for 2 years PG programs in Business Management and from Lambton College (Sarnia, Main Campus) I got LOA for September 2012 intake for Business Management- BMGN, Post Graduate Certificate (2 yrs) program, though, I have also applied in Centennial College for Global Business Management program (as per agent they can consider my IELTS score for GBM). I would request you to assess my profile and suggest the way forward to get Student Visa.

(1) IELTS Overall: 6.5 [L-8, R- 6.5, S- 6.5 & W- 5.5].
(2) Age: 28 Years
(3) Total Work Experience: 9 years (8 years in India & 1 year in Qatar & Oman together). I started working after my 12th studies & till then I have been working.
(4) PGDBA- Marketing & Operations Management (Dual Specialization) with 69.21% from Symbiosis Centre for Distance Education, Pune (Correspondence course) [Course Duration: 3 yrs/6 semester] Course completed on Dec-2011.
(5) B. Com with 38% from Delhi University (Correspondence studies) and took 5 years to complete the graduation (Started on Oct-2002 & finished on Oct-2007). I did not appear for examination Twice due to personal reason and wasted 2 years.
(6) 12th with 51% from CBSE, Delhi (Year 2002)
(7) 10th with 49% from CBSE, Delhi (Year 2000)
(8) My father will Sponsor me & ready to apply for education loan of 7.5 Lacs. Rest amount will be arranged through his savings/ deposits.

What will be the possibilities to get Student Visa keeping in mind the above shared profile?

Please guide me with Colleges, Programs, Documentation, Fund & also how I can make my profile strong enough to get VISA on priority…

Thanks
Abhishek

 

[champ1388]

Abhishek.. I spoke to one of a visa specialist agency and they told me that Canadian student visa isnt issued to students with less than 50% in graduation. I also have somewhat similar profile as you do...B.Com 43%..IELTS overall 7.5, GMAT 590..work ex 2.5 years and no study Gap.I got admission in Thompson Rivers University for Pre MBA program leading to MBA. But my visa has been refused twice. I am not writing this to discourage you but to suggest you to be more careful while choosing the course and filing the visa. I am going to apply for the third time through a consultant who is ICCRC certified and has licence from the Canadian goverment to file visa on students behalf. If you need any more info please mail me at champ1388@gmail.com. I think I can share some of my experience with you.

 

[Abhishek9]

Thanks for sharing your experience...

What was the reason given to you for Visa refusal by VO? I believe TRU is not under SPP, So in which category you applied for VISA?

I know my case is weak for Visa approval, but i want to try once... please check my profile once again thoroughly and then suggest...

I am awaiting revert from Centennial College for GBM program... otherwise I am left with only one option i.e. Lambton College with my IELTS score [Overall: 6.5 ..... ; L-8, R- 6.5, S- 6.5 & W- 5.5]. Rest of the colleges have high IELTS requirement... minimum 6 in each band with overall 6.5 band (like Humber college)...

Do you have any information about Lambton College (Sarnia, Ontario, Main campus) and Visa success rate with this college?

 

[tiger007]

Hi,

I am Abhishek from Delhi, india and interested to Study in Canada. I am looking for 2 years PG programs in Business Management and from Lambton College (Sarnia, Main Campus) I got LOA for September 2012 intake for Business Management- BMGN, Post Graduate Certificate (2 yrs) program, though, I have also applied in Centennial College for Global Business Management program (as per agent they can consider my IELTS score for GBM). I would request you to assess my profile and suggest the way forward to get Student Visa.

(1) IELTS Overall: 6.5 [L-8, R- 6.5, S- 6.5 & W- 5.5].
(2) Age: 28 Years
(3) Total Work Experience: 9 years (8 years in India & 1 year in Qatar & Oman together). I started working after my 12th studies & till then I have been working.
(4) PGDBA- Marketing & Operations Management (Dual Specialization) with 69.21% from Symbiosis Centre for Distance Education, Pune (Correspondence course) [Course Duration: 3 yrs/6 semester] Course completed on Dec-2011.
(5) B. Com with 38% from Delhi University (Correspondence studies) and took 5 years to complete the graduation (Started on Oct-2002 & finished on Oct-2007). I did not appear for examination Twice due to personal reason and wasted 2 years.
(6) 12th with 51% from CBSE, Delhi (Year 2002)
(7) 10th with 49% from CBSE, Delhi (Year 2000)
(8) My father will Sponsor me & ready to apply for education loan of 7.5 Lacs. Rest amount will be arranged through his savings/ deposits.

What will be the possibilities to get Student Visa keeping in mind the above shared profile?

Please guide me with Colleges, Programs, Documentation, Fund & also how I can make my profile strong enough to get VISA on priority...

Thanks
Abhishek

Hi,

Honestly speaking... along with your less percentage in graduation... what I personally feel is... that both of your degrees are via correspondence, MAY also be an issue... even though..it may have been balanced by a full time work ex. In a situation like this... ( or any other situation..where the applicant has very strong profile) it's really difficult to predict... as what the outcome may be!

Getting more marks and a better academic record..always helps and further strengthens your profile... and it's always good to have scored higher marks... but that in no way should mean that getting less marks will result in rejection of visa or should discourage you. Since, you have a solid work experience, and if you have proper documentation to prove it.. and also show, that this experience was indeed a learning and rising curve for you... you can definitely use it to your advantage.

You should mention in a short 1 page or less, SOP, that since your previous degrees are in correspondence, you have always stayed more focused on your work...this 2 years PG level GBM/Business degree is a big stepping stone in your career and life..as it will give you a solid foundation and training... complement your long years of work experience... also explain in brief... how this degree will help you... because there is a NEED for a full time degree at a stage you have reached, and via this full time education (thus getting you your 1st/primary full time degree)... you are going to further develop your skills, as to step forward...... and thereby increasing your overall knowledge base and helping you in your career in the long run. So.. this way, your justification for studying this course... can be linked positively to your background. Whether they read or not (many will say that CHC will never read SOP)... and it's a fact..that they don't require SOP in visa application..atleast not under SPP... as they 've clearly stated: ***DO NOT PROVIDE ANY ADDITIONAL DOCUMENTS UNLESS REQUESTED TO DO SO BY A VISA OFFICER, OR YOUR FILE WILL NOT BE GIVEN PRIORITY PROCESSING UNDER SPP. But still.. it shouldn't be a harm to mention these points clearly and precisely in a short simple 1 or 1/2 page SOP. They may take a look at it...and your case may get decided on the points you have mentioned on SOP and profile,. rather than just plainly looking at your profile... you never know!

Nevertheless, don't worry..go ahead... apply for visa under SPP. And see..what happens...

Best of Luck.

***These are purely my personal views, pertaining to your specific profile and you should consult other sources too.

 

[gaganpal_2007]

Its not a strong profile to be honest....you got less than 50% marks in both your degrees...moreover, the studies are through corresspondence...you completed ur b.com in 5 years.....you also scored less than 6.0 in one of your IELTS category....these are enough reasons for the visa officer to refuse you....but then, whats the harm in trying......

 

[Abhishek9]

many thanks for your feedback Tiger & Gagan...

I know my profile is not strong enough, even though I am looking for student Visa.

Gagan, I got 69.21 % in PGDBA- Marketing & Operations Management (Dual Specialization) from Symbiosis which is my Highest Qualification... VO will not consider this percentage?

Do you guys know about Lambton College (Sania, Ontario) & visa success rate with this college?... Is it true that Visa depend on College, Programs & location/ province in Canada? I am not getting enough details about this college except this is an average college.

* For Lambton - 7.5 Lacs of Loan in sufficient to cover 80% SPP fund requirement? Expenses as mentioned on LAMBTON LOA are:
Following is the approximate breakdown of the cost of living for an eight month period (two semesters) for a student studying in Canada and living on their own:
Approximate Living Expenses:
Room and Board @ $500/month = $4000.00
Transportation @ $60/month = $480.00
Miscellaneous @ $80/month = $640.00
Sub Total - Living Expenses: $5120.00

School Fees (Estimated figures subject to change without prior notice):
Tuition = $10,650
Ancillary/Student Fees = $1400
Student Health Insurance (8 Months) = $450.00
Sub Total – School Fees: $12,500
Books & Supplies: $1000 (Varies per program)
Total $18,620

I am seeking your advices as I don't want to waste my father hard earned money...

 

[tiger007]

Do you guys know about Lambton College (Sania, Ontario) & visa success rate with this college?... Is it true that Visa depend on College, Programs & location/ province in Canada? I am not getting enough details about this college except this is an average college.

* For Lambton - 7.5 Lacs of Loan in sufficient to cover 80% SPP fund requirement? Expenses as mentioned on LAMBTON LOA are:
Following is the approximate breakdown of the cost of living for an eight month period (two semesters) for a student studying in Canada and living on their own:
Approximate Living Expenses:
Room and Board @ $500/month = $4000.00
Transportation @ $60/month = $480.00
Miscellaneous @ $80/month = $640.00
Sub Total - Living Expenses: $5120.00

School Fees (Estimated figures subject to change without prior notice):
Tuition = $10,650
Ancillary/Student Fees = $1400
Student Health Insurance (8 Months) = $450.00
Sub Total – School Fees: $12,500
Books & Supplies: $1000 (Varies per program)
Total $18,620

I am seeking your advices as I don't want to waste my father hard earned money...

Hi,

Most colleges are more or less same. Yes, It's obvious... if you hold admission to a better/top rated university..then chances of your visa are definitely much higher. Those holding admission letter of say Univ. of Toronto or Univ. of British Columbia have definitely much more chances of getting a visa than say those who hold admission letter of some private university or some college.

Living expenses are considered by you are too low.

According to SPP firm checklist: (http://www.vfs-canada.co.in/pdf/Student_Partners_Program_(SPP)_in_india_190412.pdf)

Copy of an Educational Loan from an Indian Chartered Bank equivalent to at least 80% of tuition +living + travel expenses for one academic year (normally, first year’s tuition, unless already paid, plus $8000).

So.. minimum you must consider... tuition fees + 8,000 C$.

It's better if you consider tuition fees + 10,000C$ and even better if you show 2000C$ more for travel expenses. Always remember... the more finances you show (by taking a bigger loan covering min. tuition fees + 8,000C$) the better your level of establishment (financial) will be, and will be good for your overall application profile.

So, consider: School fees is 18,620$+ 8,000C$= 26,620C$. So, 80% of this will be 21,296C$ or 11,39,336 INR. So.. you should take a loan of atleast 10.5-11 lacs. And attach that loan application along with your SPP application.

This is my personal opinion. Consult other sources too. But I'm absolutely sure...as evident by the Canada government SPP checklist..you need to consider min. 8000C$ for 1 year expenses. Rest upto you.

Best of Luck.

 

[Abhishek9]

Really valuable information…

If I will make payment of First Semester Tuition Fee of $ 6,250 from own savings/ deposits, then 7.5 Lacs of education loan is enough to cover 80% of SPP requirements?

I don’t have anything for collateral security in Delhi except for ancestral property & agricultural land (in U.P.) which are not considered for collateral as per banks. So, I can look for only 7.5 Lacs of education loan not more than that from India Banks.

Could you also clear Ancillary/Student Fees, Student Health Insurance, Books & Supplies etc. are part for TUITION FEE or not… What all Tuition Fee includes?

 

[tiger007]

Hi,

Most colleges are more or less same. Yes, It's obvious... if you hold admission to a better/top rated university..then chances of your visa are definitely much higher. Those holding admission letter of say Univ. of Toronto or Univ. of British Columbia have definitely much more chances of getting a visa than say those who hold admission letter of some private university or some college.

Living expenses are considered by you are too low.

According to SPP firm checklist: (http://www.vfs-canada.co.in/pdf/Student_Partners_Program_(SPP)_in_india_190412.pdf)

Copy of an Educational Loan from an Indian Chartered Bank equivalent to at least 80% of tuition +living + travel expenses for one academic year (normally, first year's tuition, unless already paid, plus $8000).

So.. minimum you must consider... tuition fees + 8,000 C$.

It's better if you consider tuition fees + 10,000C$ and even better if you show 2000C$ more for travel expenses. Always remember... the more finances you show (by taking a bigger loan covering min. tuition fees + 8,000C$) the better your level of establishment (financial) will be, and will be good for your overall application profile.

So, consider: School fees is 18,620$+ 8,000C$= 26,620C$. So, 80% of this will be 21,296C$ or 11,39,336 INR. So.. you should take a loan of atleast 10.5-11 lacs. And attach that loan application along with your SPP application.

This is my personal opinion. Consult other sources too. But I'm absolutely sure...as evident by the Canada government SPP checklist..you need to consider min. 8000C$ for 1 year expenses. Rest upto you.

Best of Luck.





If I will make payment of First Semester Tuition Fee of $ 6,250 from own savings/ deposits, then 7.5 Lacs of education loan is enough to cover 80% of SPP requirements?
Could you also clear Ancillary/Student Fees, Student Health Insurance, Books & Supplies etc. are part for TUITION FEE or not... What all Tuition Fee includes?

Hi,

It's best if you consider insurance+all ancillary fees within tuition fees..and keep this budget together. This will not create confusion or shortage of budget later, as these ancillary fees, insurance, books are very much compulsory part of your course. Although you can save some money by buying 2nd hand textbooks form websites such as http://www.textbooksmarket.com/ or through your school bookstore.

Now,
I am sorry. I made a mistake. your total fees will be: (12,500+1,000) 13,500C$+8,000C$ and not 18,620C$+8,000C$ as I calculated earlier. It was done by mistake. Sorry.

So you will need total minimum for 1st year:

13,500 C$+ 8,000 C$ = 21,500 C$ total (at the time of applying for visa).

Now, if you already pay 1st sem fees of 6,250C$ from your own pocket... and attach receipts with the visa application, it will be very good..as it is highly reccomended on SPP checklist.
(http://www.vfs-canada.co.in/pdf/Student_Partners_Program_(SPP)_in_india_190412.pdf)

So, 13,500C$-6,250C$ = 7,250C$

thus, you will actually now need total: 7,250C$+8,000C$ = 15,250C$ * 53.6 (current INR conversion rate) = 8,17,400 INR

So, congrats... your loan of 7.5 lacs INR will very well do. rest (67,400 INR) you can take it separately.

Also, remember.. you will need approx 21,000C$ for 2nd year too. And you should plan ahead..as to how you will finance it.

Best of Luck.

 

[Abhishek9]

Hi,

Thank you so much for your prompt responses…

What if I am not meeting the SPP fund requirements of 80% (as I am only eligible for 7.5 Lacs of loan), then, Shall I apply under General Category with the help of savings & deposits + 7.5 lacs of education loan in bank? How much fund I should arrange in General Category?

What all extra documents are required for Visa in General Category?

 

[tiger007]

Hi,

Thank you so much for your prompt responses...

What if I am not meeting the SPP fund requirements of 80% (as I am only eligible for 7.5 Lacs of loan), then, Shall I apply under General Category with the help of savings & deposits + 7.5 lacs of education loan in bank? How much fund I should arrange in General Category?

What all extra documents are required for Visa in General Category?

Hi,

See, last posts I specifically talked about the total expenses you will incur for 1st year..and the amount you need to have after paying 1st sem fees.

But loan wise speaking.. 80% of 21,500C$ is 17,200C$. Even if you remove the textbook cost part of 1000C$ (which is not ACTUALLY part of tuition/college fees..as you can buy it 2nd hand form outside too)... then also its total 20,500C$.. or 10,98,800 INR (your total 1st year expenses) and 80% of that is 16,400C$ or 8.79 lacs INR. So..ideally you should have taken atleast a loan of 8.79 lac INR ..so as to be exact 80%. But..since you will have paid 1 sem fees of 6,250C$ in advance..or 3.35 lac INR, and will take 7.5 lac INR loan..which total equals.. (7.5+3.35)= 10.85 lacs INR.. which is NEARLY equal to 10.98 lacs INR, and this much margin goes up and down... due to exchange rate fluctuation...so I think it should work with 7.5 lacs INR loan letter and showing you paid full 1st sem fees of 6,250C$. So, don't worry much about it. Nevertheless, you may consult other sources too, so as to be 100% sure.

If you have any doubts... you can apply under general too. But remember..once if rejected for study visa... be it general/general univ or SPP..you can never ever apply again under SPP. So, 1st time..it's always best to apply under SPP. IF in-case your visa gets rejected, next time..with all documents, proofs, extra documentations..you can always, again apply for visa under general category. SO, in my opinion... logically seeing your case, with such poor graduation percentage (below 50% is seriously poor.. and below 40% it's considered fail in many places... even by average Indian standards) and correspondence degree... even if it's rejected...main cause will be your correspondence degrees/ low graduation marks...and not this marginally low amount of your loan. Think about it... so don't worry about 7.5 lacs loan. apply under SPP, don't miss this opportunity. Apply now with a 1 page or less shorter, SOP/letter mentioning your need for this full time degree... and relating this to your 9 years of work ex... as I said in earlier post..all other documents..as listed under SPP checklist (don't provide anything extra which may need verification..checking etc other than that short 1 page sop/letter..which they may or may not see..but there's no harm in that.. and in my opinion you MUST submit it.. as your case really requires some explaining to do)... and 7.5 lacs loan approval letter+ 1st sem fees full paid receipt. That should be good enough for you to apply under SPP.

Go ahead.. and apply! Keep us informed about the progress.

Best of luck.

***THIS IS MY PERSONAL OPINION, AND IT'S ALWAYS BEST TO CONSULT OTHER SOURCES, PARTICULARLY PROFESSIONALS IN THIS FIELD.

 

[champ1388]

MY REFUSALS....

1st refusal..proposed studies...
2nd..proposed studies and parents income..
my suggestion to you is, consult a visa experts before filing, do all the documentation as advised by them and file your visa with their help. Don't rush into things...
All the best, u may very well get the visa as almost 80% applicants who file for visa do.....

 

[champ1388]

Both the times I filed under general....this time I am gonna file under University catagory

 

[Abhishek9]

Hi,

I got 69.21 % in Post Graduation Diploma in Business Administration (PGDBA) - Marketing & Operations Management (Dual Specialization) from Symbiosis (correspondence) which is my Highest Qualification and recently completed in Dec 2011... Visa Officer will not consider my PGDBA percentage?

Also, any information about Centennial College (GBM) admission application review time… Its been 7 days and I have not received any response from their end on my application.

 

[tiger007]

Hi,

I got 69.21 % in Post Graduation Diploma in Business Administration (PGDBA) - Marketing & Operations Management (Dual Specialization) from Symbiosis (correspondence) which is my Highest Qualification and recently completed in Dec 2011... Visa Officer will not consider my PGDBA percentage?

If only it was full time.... They may or may not. Nothing concrete can be said about your case.

Also, any information about Centennial College (GBM) admission application review time... Its been 7 days and I have not received any response from their end on my application.

You need to confirm with the colleges, if they accept correspondence degrees or not.... call them up..ask and enquire again.