@ Mehtab007
I know it can be difficult to think about these things... they put you in an very uncomfortable state
I know very well that not all of us can afford education in western countries easily, almost everyone banks on working through their time as a student.. and i think everyone should because you have an opportunity to do so here. It teaches you the value of hard work, money and makes you a better person. Besides, you would never have the same opportunity to work and study back in India.
You will eventually figure things out once you get here and spend some time here, you will find the time for part-time work, adjust living expenses and your lifestyle accordingly, trust me.. it all works out in the end. but for the first little bit, you have to be prepared.
I would recommend, from my experience, have enough money to cover all your expenses (accomodation, food, medicines etc) for the first little bit... atleast 6 months but preferably 1 year. It can take you anywhere from 6-12 months to find a job and get used to work + study schedule. Keep in mind your study schedule will change each semester so your work schedule will be affected as well. Also, time flies so fast here, you wouldnt believe it. I've been here 10 years and have no idea where that time went. I remember it like yesterday when i came here for the first time.
Always Always always.. and i cant stress enough... have some money saved away for emergency cash. Start small with whatever you can afford to save and never touch it. even $500 will help you through a rough patch.
For jobs, i would recommend looking for programs that have the option of co-op... it will really help you if you can take work placements throughout your course. For e.g. i had the option of going to school for a semester and take co-op for a semester. It really works out as it lets you work full time and save $ for the next 1 or 2 semesters. That would be the best approach if its available. co-op after you finish school is fine too but it does not help you much while you are in school.
If nothing else, take an extra loan for living expenses too. An extra $16000 (based on your calculations) would mean nothing if it ensures you focus on your education and have better chances of immigrating to Canada. You can make 3-4 times that much in the first year of your full time employment. You just have to make sure your program area is in demand and marketable to employers. Canadian students, paying domestic fee, graduate with $40-50,000 in student loans on average... and with mickey mouse degree's like psychology, political sciences, linguistics etc. If you can work things out, return it early.
As for montreal, never been there but i have heard that it is an amazing city. You dont need to know french in montreal as it is a very multicultural city, but there are parts of quebec where french is the only language to get by with. It will be cold though but you wont become a canadian unless you get used to the cold.
Good Luck in your endeavours
