Hey,

My name is Pooja, I'm from New Delhi, and I've been accepted into a Masters in Urban and Regional Planning at Queen's University for September 2005. They've given me a minimum $8000 graduate scholarship for the first year and offered a $2000 work-study program.

Fees and living are like $10,000 each. I still have to apply for my visa and I wanted to know a couple of things before I do so I'm hoping someone can help me with that:

1. Am I supposed to show liquid cash for both years(this is a two-year degree program) when I apply for the visa?

I am slightly confused about this because I have been assured unofficially of getting more aid once I reach - I was told that the only reason I didn't get an international tuition bursary was because they didn't have funds at the moment - and my scholarship should also be renewable for the second year. If I have to show funds for two years I'll have to take a loan and I want to make sure it's necessary before I do. Does anyone know whether the visa authorities consider the student's chances of getting a scholarship in the second year if they've been awarded one in the first year, or do they assume you won't get one?

2. With my grad award(not counting my work-study), my entire expenses come to under five lakh for the first year and I want to know whether I need a loan or not - this I guess depends on whether the visa people look at two year's finances or one year's and how they calculate how much cash you have - I have a younger brother so if they take that into account, etc.

The financial scene is more or less that my parents are sponsoring me and they have about 7 lakhs liquid cash in the bank (not counting salaries and stuff - they earn collectively about 10 lakh per year, and in terms of fixed assets have a flat in Delhi, about say 20 lakh at least, and side stuff like cars and jewellery, but no major fdrs or anything. Their PF's should be about 4 lakh or over - together).

So what are my visa chances with a loan and without?

Eternally grateful to anybody who can help.

Pooja,
IMO, getting a visa in your case should not be a problem. Canada is not so strict regarding Financial resorces for parents for giving visa. Get your Flat evaluated with a Regd. Valuer & submit your Visa aplication with all the supporting documents for Liquid /Fixed Assets in your Paraents name. I am sure you will be cleared as they had given you scholarship already which will partly cover your expense. Also International students are aloowed some work also.

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Prabhuji
Architectural Labourer
Canada Sucks