For fee payment of university or college, it can be done from any account even any of ur friend and family who is abroad can make payment.for GIC payment it has to come from ur account or ur account joint with parents,both or any one, and that is because of anti money laundering laws among financial institutions. If u opened GIC with scotia just make sure ur address format is same both in Scotiabank and ur Pakistan account. Otherwise payment will be rejected.
So for GIC payment u can open joint FC accounts with ur parents only.