Victoria Academy – A Canadian International School
Ontario, Canada | Grades 9–12 | BSID #884963
For many Indian students, completing high school is followed by one of the biggest education decisions of their lives:
Should I continue higher education in India or study internationally?
Students planning international education may consider universities and colleges in:
Canada
United States
United Kingdom
Australia
New Zealand
Germany
Ireland
Netherlands
France
UAE
and other global destinations.
But receiving a university admission offer is only one part of studying abroad.
The student may also need an appropriate student visa, study permit or residence permit.
That process can involve:
University Admission
→ Offer / Acceptance
→ Financial Planning
→ Student Visa Application
→ Document Review
→ Interview or Additional Checks Where Required
→ Visa Decision
→ Travel and Enrolment
The most important rule for students and parents is:
University admission does not guarantee a student visa.
Academic admission and immigration approval are separate decisions.
This complete guide explains the study visa process for Indian students, documents, financial evidence, popular study destinations, work rights, common mistakes, visa refusals and how high-school students can prepare early.
Question
General Answer
Who needs a study visa?
Indian students studying internationally where immigration permission is required
Is university admission required first?
Usually yes
Does admission guarantee a visa?
No
Is financial evidence required?
Usually yes
Is IELTS always required for the visa?
No universal rule; university and immigration requirements vary
Can students work while studying?
Often, but limits and conditions vary by country
Can part-time work pay full tuition?
Students should not rely on it
Does a study visa lead automatically to PR?
No
Can visa rules change?
Yes
When should students start planning?
Ideally during Grades 9–12
Can students apply after OSSD?
Potentially yes, subject to university and immigration requirements
Does OSSD guarantee a visa?
No
A study visa is immigration authorization allowing an international student to enter or remain in another country primarily for education.
Different countries use different terminology.
Country
Common Student Immigration Term
Canada
Study Permit
United States
F-1 Student Visa
United Kingdom
Student Visa
Australia
Student Visa – Subclass 500
New Zealand
Student Visa
Germany
Student Visa / Student Residence Permit
Ireland
Study Visa + Student Immigration Permission
Netherlands
Student Residence Permit
France
Long-Stay Student Visa
UAE
Student Residence Visa
The terminology matters because a:
visa
and:
study/residence permit
may perform different legal functions.
These are two separate processes.
high-school qualification;
grades;
required subjects;
English proficiency;
entrance examinations;
essays;
portfolio;
supplementary applications;
academic suitability.
identity;
genuine purpose of study;
university admission;
financial capacity;
immigration history;
academic progression;
travel history;
supporting documents;
ability to pay tuition and living costs;
compliance with immigration rules.
Therefore:
Admission Offer ≠ Student Visa Approval
Requirements differ by country, but international students commonly need several of the following.
The passport should remain valid for the period required by the destination country's rules.
Check:
spelling of name;
date of birth;
passport number;
expiry date.
These details should match the student's other documents.
Students normally need an official offer from an eligible institution.
Depending on the country, this could involve documentation such as:
admission letter;
Confirmation of Enrolment;
Confirmation of Acceptance for Studies;
Form I-20;
institutional sponsorship documentation.
Students may need:
Grade 10 records;
Grade 11 records;
Grade 12 transcript;
final high-school diploma;
university records if applicable;
entrance-exam results where relevant.
Students usually need to demonstrate the ability to pay for some combination of:
Tuition
Living Costs
Transportation
Insurance
Other Required Expenses
Depending on the institution and country, accepted evidence may include an approved English-language examination or another accepted form of academic-English evidence.
There is no global rule saying:
Every international student must take IELTS.
There is also no universal rule saying:
An international high-school diploma automatically removes IELTS everywhere.
Requirements should be checked university by university.
A student visa application may require documents such as:
passport;
photographs;
university admission letter;
immigration-specific university documentation;
high-school transcripts;
graduation certificate;
English-language results where required;
tuition-payment evidence;
bank statements;
education-loan documents;
scholarship confirmation;
sponsor documents;
income evidence;
accommodation information;
medical examination where required;
insurance where required;
study plan or academic explanation;
previous visa information;
biometrics.
Not every destination requires all of these.
Always prepare documents according to the requirements applying to the specific country and application year.
Financial evidence is one of the most important components of many student visa applications.
A student may need to show funds covering:
How much remains payable to the institution?
Countries can set minimum annual or monthly amounts.
Some systems expect evidence that the student can also afford travel.
Additional financial requirements can apply if eligible family members accompany the student.
Some immigration systems may look at whether the family's overall plan for later years appears credible.
Depending on the destination, accepted evidence can potentially include:
personal savings;
parents' savings;
education loan;
scholarship;
fixed deposits;
approved financial instruments;
sponsor funding;
official tuition receipts;
blocked account;
another recognized funding source.
The exact rules differ substantially.
Students should not assume:
“Any money temporarily deposited into a bank account is enough.”
The application may need to demonstrate that funds are:
genuine + available + explainable + sufficient.
Before applying for a visa, calculate:
Annual Tuition
Accommodation
Food
Transportation
Health Insurance
Books / Technology
Flights
Personal Expenses
Emergency Reserve
=
Then estimate:
Annual Cost × Programme Duration
A four-year university decision should not be evaluated using only first-semester tuition.
Indian students have many options.
The following countries are among the most important destinations to compare.
Canada remains an important destination for Indian students, although its international-student system has become more controlled.
Students may study at:
universities;
colleges;
polytechnics;
other eligible post-secondary institutions.
University/College Admission
↓
Required Institutional Documents
↓
Provincial/Territorial Attestation Where Applicable
↓
Financial Evidence
↓
Study Permit Application
↓
Biometrics / Medical or Additional Requirements Where Applicable
↓
Decision
Canada requires students to demonstrate funds for:
tuition;
living expenses;
transportation.
From September 2026, the living-expense threshold for a single applicant studying outside Quebec increased again.
Students should check the exact amount applying on the date their application is submitted rather than relying on an older article.
Eligible post-secondary students can generally work off campus for up to:
24 hours per week during regular academic sessions
under current rules, subject to all applicable eligibility conditions.
Qualifying scheduled breaks can have different rules.
Do not assume:
Canadian study = automatic PGWP
or:
PGWP = automatic PR.
Post-graduation work eligibility now depends significantly on:
institution;
programme;
qualification level;
language requirements;
and, for certain non-degree programmes, field of study.
Students should check this before paying tuition.
Most Indian students pursuing academic higher education in the United States use the:
F-1 Student Visa.
Admission to Eligible Institution
↓
Form I-20
↓
SEVIS Process
↓
Visa Application
↓
Interview / Vetting
↓
Visa Decision
Students should be prepared to explain:
why they chose the programme;
why they chose the institution;
how education will be funded;
how the programme fits their academic background;
their genuine study intentions.
Answers should be:
truthful + clear + consistent with submitted documents.
U.S. student visa processing currently involves substantial applicant screening.
Students should ensure that information in:
application forms;
academic history;
immigration records;
publicly available information
does not conflict because of inaccurate statements.
F-1 students do not have unrestricted permission to work anywhere.
Employment must fit authorized categories.
Potential options can include:
permitted on-campus work;
Curricular Practical Training;
Optional Practical Training;
other specifically authorized employment.
Never plan U.S. tuition around unrestricted part-time employment.
Indian students frequently choose the UK for programmes in:
Business;
Finance;
Engineering;
Computer Science;
Law;
Economics;
Sciences;
Humanities.
University Admission
↓
Confirmation of Acceptance for Studies
↓
Financial Evidence
↓
Student Visa Application
↓
Identity/Biometrics Requirements
↓
Decision
Students usually need evidence covering:
outstanding tuition;
prescribed living costs.
Different maintenance requirements apply depending on whether the institution is:
in London
or:
outside London.
Many eligible full-time degree-level students can currently work up to:
20 hours per week during term time
subject to their visa conditions.
Students beginning university now should understand an important future change.
For most eligible non-doctoral graduates applying from January 2027, the UK Graduate route is scheduled to provide 18 months, rather than the earlier two-year period.
Students should not make a multi-year university decision using outdated post-study visa information.
Australia's main student route is:
Student Visa – Subclass 500.
It can cover different education levels, including university study.
Students may need:
Confirmation of Enrolment;
financial capacity;
appropriate health insurance;
genuine study purpose;
English evidence where applicable;
academic documentation.
Australia assesses whether education is genuinely the primary purpose of the application.
Students may need to explain:
current circumstances;
previous education;
why the course was selected;
why the institution was selected;
how the programme supports future goals.
Academic progression should make sense.
Eligible students can generally work up to:
48 hours per fortnight
while their programme is in session.
Different conditions can apply to research students and scheduled breaks.
New Zealand offers:
universities;
institutes;
applied programmes;
diplomas;
degrees.
Tertiary students generally need to demonstrate funds for living expenses in addition to tuition.
New Zealand also uses specific financial-verification arrangements for some international applicants, including students from India.
Eligible student visas can currently permit up to:
25 hours per week
depending on visa conditions and programme eligibility.
Eligible graduates may have access to post-study work pathways.
The exact duration depends on the qualification.
Germany is particularly attractive for students considering:
Engineering;
Computer Science;
Technology;
Mathematics;
Sciences;
research.
Germany commonly uses the:
blocked-account system
to demonstrate sufficient living funds.
For 2026, the benchmark is approximately €11,904 for a year, although students should verify the amount applicable at the time of their application.
Students should determine whether their programme is:
English-taught;
German-taught;
bilingual.
Germany may offer excellent educational opportunities, but students should not assume every undergraduate programme is available in English.
Eligible international students generally have defined annual work allowances, with an alternative weekly framework available under applicable conditions.
Eligible German higher-education graduates can generally receive up to:
18 months
to look for qualified employment.
Ireland has become increasingly important for Indian students interested in:
technology;
computer science;
data;
business;
finance;
pharmaceuticals;
science;
engineering.
For a one-year programme, students generally need to demonstrate access to sufficient living funds in addition to tuition.
The current standard is around:
€10,000 for a full academic year
for many relevant applications.
Eligible students on appropriate student permission can generally work:
20 hours per week during term
and:
40 hours during specified holiday periods.
Part-time work should not be used as the main proof that international study is affordable.
The Netherlands generally uses a:
student residence permit
for international higher-education students.
A significant difference is that the recognized educational institution commonly plays a direct role in the residence-permit process.
Students need to demonstrate the applicable monthly financial amount.
For 2026, the higher-education study norm is a little above:
€1,100 per month.
International students are generally expected to maintain sufficient study progress.
The standard framework generally expects completion of at least:
50% of required credits per academic year.
International students can generally work:
up to 16 hours per week
or full-time during the permitted summer period, subject to work-authorization rules.
France offers international opportunities in:
Business;
Engineering;
Computer Science;
Design;
Fashion;
Arts;
Sciences;
Hospitality.
Students can find both:
French-taught;
English-taught
programmes.
France increased its student financial threshold in 2026.
Students should use the current amount when preparing their application rather than relying on older minimums.
Foreign students can generally work up to:
964 hours per year
under the standard framework, subject to applicable conditions.
The UAE is increasingly attractive because students can find:
local universities;
international university campuses;
Business programmes;
Engineering;
Computer Science;
AI;
Finance;
Media;
Design.
It is also geographically much closer to India than:
Canada;
USA;
Australia;
much of Europe.
Eligible students may generally be sponsored through:
an eligible resident parent;
or their university/college.
Students should not assume that a student residence visa automatically provides unrestricted employment permission.
Separate rules and authorization can apply.
Destination
Student Work During Study*
Major Post-Study Possibility*
Canada
Up to 24 hrs/week
PGWP for eligible graduates
USA
Restricted/authorized categories
OPT; STEM OPT where eligible
UK
Commonly up to 20 hrs/week
Graduate visa
Australia
48 hrs/fortnight
Temporary Graduate pathway
New Zealand
Up to 25 hrs/week
Post Study Work Visa
Germany
Defined annual/weekly allowance
Up to 18-month graduate job search
Ireland
20 hrs/week in term
Graduate permission
Netherlands
Generally 16 hrs/week
Orientation Year
France
Up to 964 hrs/year
Qualification-specific graduate routes
UAE
Depends on authorization
Employment/residence transition depends on circumstances
*Rules depend on the applicant, programme and immigration conditions and can change.
This is one of the most searched questions.
There is no responsible universal answer.
Visa approval can depend on:
academic history;
university;
course;
finances;
study gap;
immigration history;
nationality;
documents;
genuine academic purpose;
overall application credibility.
A student with a strong application can have a different experience from another applicant applying to the same country.
Avoid claims such as:
“100% visa guaranteed.”
No school, university or education provider can guarantee a government immigration decision.
The answer should depend primarily on the academic objective.
Countries worth comparing include:
Canada
USA
UK
Australia
Germany
Netherlands
Strong options include:
USA
Canada
UK
Germany
Australia
Netherlands
Ireland
UAE
Students may compare:
USA
UK
Canada
Ireland
France
Australia
UAE
Students should evaluate:
programme prerequisites;
professional licensing;
postgraduate requirements;
cost;
qualification recognition.
Students can explore:
UK
USA
Canada
France
Australia
Netherlands
UAE
The programme should come before the country.
A common Indian student pathway looks like:
Class 10
↓
Grade/Class 11–12 Subject Selection
↓
Complete Senior Secondary Education
↓
Apply to University
↓
Receive Admission
↓
Meet Financial Requirements
↓
Apply for Study Visa
↓
Travel if Approved
This means visa planning actually starts before Class 12 finishes.
Why?
Because university admission can depend on the subjects selected in Grade 11–12.
Potential prerequisite planning may include:
Mathematics;
Calculus;
Physics;
Chemistry;
English.
Students may need:
advanced Mathematics;
Calculus;
Computer Science;
sometimes Physics.
Potential prerequisites can include:
Biology;
Chemistry;
Mathematics;
English.
Potential prerequisites can include:
English;
Mathematics;
Economics;
Business.
Requirements vary by institution.
Yes, potentially.
Students completing CBSE senior secondary education may apply to international universities and later seek the appropriate study visa, subject to:
university eligibility;
required subjects;
grades;
English requirements;
financial requirements;
immigration criteria.
Potentially yes.
The same general principle applies.
The receiving university first determines academic eligibility, while the country's immigration authorities separately determine visa eligibility.
Potentially yes.
Students from State Boards can apply internationally where their qualification satisfies the receiving institution's requirements.
Some universities may evaluate:
Board;
subjects;
percentages;
programme prerequisites
differently.
Potentially, but both university admission and immigration eligibility should be checked carefully.
The important questions are:
Does the university accept the student's senior-secondary qualification?
Are the required subjects present?
Does the student meet the programme's admission requirements?
Can the student provide the immigration documentation required by the destination?
University acceptance should be confirmed before assuming visa eligibility.
Students completing the Ontario Secondary School Diploma (OSSD) may apply to universities internationally, subject to the requirements of the receiving institution.
An OSSD student might consider:
Canada
USA
UK
Australia
New Zealand
Europe
UAE
and other destinations.
But:
OSSD is an academic qualification—not a visa.
Completing OSSD does not automatically provide:
Canadian study permit;
U.S. F-1 visa;
UK Student visa;
Australian Student visa;
permanent residency;
work permit.
The student must still complete the immigration process for the destination where they choose to study.
A well-planned high-school education can make the university and visa story more coherent.
Students should be able to show a logical progression.
For example:
Strong Grade 11–12 Mathematics + Physics
↓
Engineering Admission
↓
Engineering Study Visa Application
is academically easy to understand.
Compare that with:
Unrelated Academic Background
↓
Sudden Unexplained Programme Change
↓
No Clear Career Explanation
That does not necessarily cause refusal, but it may require a stronger explanation.
Academic planning matters.
Depending on destination and application process, a student may need to explain:
why they chose the programme;
why they chose the institution;
why they chose the country;
how it connects to previous education;
how it supports future goals;
how study will be financed.
The strongest explanation is usually:
specific + truthful + academically logical.
Avoid generic statements such as:
“This is the best university in the world and I have always dreamed of studying abroad.”
Instead, the academic reasoning should make sense.
A refusal does not always mean the student is academically weak.
Potential issues can include:
The student has not clearly demonstrated sufficient funding.
Large unexplained deposits can raise questions.
The proposed programme appears unrelated to previous education without explanation.
Information does not match across records.
Required documents are missing.
The application does not clearly establish why the programme is appropriate.
Previous refusals or compliance issues may require explanation.
Different applications provide conflicting information.
Do not immediately submit exactly the same application again.
Instead:
read the refusal reasons carefully;
determine what evidence was considered insufficient;
correct factual errors;
strengthen documentation;
address the actual concern;
reapply only where appropriate.
Do not:
hide previous refusals;
submit false documents;
invent financial information.
Immigration applications should always be truthful.
No.
A strong IELTS or other English-language result can help demonstrate language readiness where required.
It does not replace:
finances;
academic admission;
genuine study purpose;
immigration requirements.
Similarly:
University IELTS waiver ≠ visa guarantee.
The university's English-language decision and immigration approval are separate.
No.
A scholarship can strengthen the financial plan, but immigration authorities can still assess all other requirements.
Scholarships can be:
automatic entrance awards;
merit scholarships;
competitive scholarships;
need-based assistance;
external awards.
Never claim:
Scholarship = Guaranteed Visa.
No.
Paying tuition may provide useful financial evidence, but a government can still refuse an application if other immigration requirements are not satisfied.
Students should understand the institution's:
visa-refusal refund policy
before paying substantial fees.
Part-time work may help with smaller personal expenses, but it should not be the foundation of an international education plan.
Consider:
limited work hours
academic workload
uncertain job availability
taxes and transportation
A student should ideally have a financially sustainable plan before travelling.
Some students research:
“Which study visa gives PR?”
A better way to understand the process is:
Student Visa
↓
Complete Education
↓
Post-Study Work Eligibility
↓
Qualifying Employment
↓
Eligible Immigration Programme
↓
Potential Permanent Residence
There is usually no direct:
Student Visa → PR
conversion.
Immigration rules can also change substantially during a three- or four-year university programme.
Focus on:
English;
Mathematics;
academic habits;
exploring careers.
Begin considering:
future field;
senior subjects;
possible study countries.
Start researching:
universities;
prerequisites;
admission averages;
costs;
scholarships.
Prepare:
applications;
English requirements;
scholarship applications;
financial planning;
immigration documentation after admission.
By then, an important prerequisite may already be missing.
Before submitting an application, review:
Valid passport
Correct personal information
University admission confirmed
Immigration-specific university document received
Academic transcripts ready
Graduation credential available
English requirement completed where applicable
Tuition arrangements understood
Financial evidence complete
Source of funds explainable
Scholarship evidence included
Education loan documentation included if applicable
Study purpose is academically logical
Accommodation information prepared if required
Medical examination completed where required
Insurance completed where required
Biometrics completed where required
Previous visa refusals disclosed accurately
All names and dates match
Refund policy understood
Current immigration rules rechecked
Parents should understand:
total tuition;
programme duration;
living expenses;
university recognition;
visa conditions;
accommodation;
health insurance;
emergency arrangements;
student work restrictions;
post-study rules;
tuition refund policy;
professional recognition.
Parents should also ask:
Would this degree still be a good investment if the student could not remain permanently in that country afterward?
If the answer is no, reconsider the programme.
Education should make sense independently of future immigration policy.
It is immigration authorization allowing an eligible international student to study in another country.
Major destinations include Canada, USA, UK, Australia, New Zealand, Germany, Ireland, Netherlands, France and UAE.
There is no universal easiest country. Approval depends on the individual application.
No.
No universal rule applies. Requirements vary by university, programme and immigration system.
Yes, subject to academic admission and immigration requirements.
Potentially yes.
Potentially yes.
Potentially yes.
Potentially, provided the university accepts the qualification and all admission and immigration requirements are met.
Yes, subject to each university's requirements.
No.
No.
No.
No.
No.
Eligible students may generally work up to 24 hours per week off campus during regular academic sessions under current rules.
Many eligible degree-level students can generally work up to 20 hours per week during term.
Eligible students generally have a 48-hour-per-fortnight limit while their programme is in session.
Eligible students may have permission for up to 25 hours per week depending on their visa conditions.
Students should not rely on it.
It differs considerably by country and family situation.
Often yes, subject to the country's financial-evidence rules.
Many immigration systems accept appropriate education-loan evidence under defined conditions.
No. But previous refusals should be disclosed accurately and the underlying concerns should be addressed.
No.
Never provide false or altered information.
No.
There is no universal best country. Immigration rules depend on skilled employment, qualifications and future policies.
Students can begin general planning during Grades 9–11 and become more detailed once university applications begin.
The strongest international-study pathway begins long before a student completes an immigration form.
It starts with:
Career Interest
↓
Grade 11–12 Subjects
↓
High-School Qualification
↓
University Programme
↓
Country
↓
Admission
↓
Financial Planning
↓
Study Visa
↓
University
↓
Career
A student who plans in this order usually has a much clearer academic story.
A strong high-school programme can help students demonstrate:
academic progression;
required prerequisites;
English ability;
academic consistency;
readiness for university-level education.
High school should therefore do more than prepare students for one final examination.
Students should also develop:
Academic English;
research;
critical thinking;
problem-solving;
communication;
presentations;
independent learning;
time management.
These are valuable both for university admission and for success after arrival.
Ontario, Canada | Grades 9–12 | BSID #884963
Victoria Academy provides eligible Grades 9–12 students with access to Ontario high-school learning.
Eligible international students, including students in India, may be able to complete Ontario courses online from their home country.
Where academically appropriate, selected Ontario courses may also be studied alongside an existing local high-school pathway.
Students pursuing the Ontario Secondary School Diploma (OSSD) must successfully complete all applicable Ontario graduation requirements according to their individual academic record and academic plan.
For students planning future international university study, Victoria Academy can help build academic readiness through areas such as:
Academic English
Mathematics and Sciences where appropriate
critical thinking
research
problem-solving
communication
presentations
independent learning
time management
university course planning
The most important distinction for students and parents is:
Victoria Academy provides education. Governments issue visas.
An OSSD can support a student's academic pathway toward international universities, but no school or diploma can guarantee:
university admission;
scholarship;
English-language waiver;
study visa;
post-study work permit;
permanent residence.
Connect this page with:
Study Visa Rules: Top 10 Countries
Life After High School
International Study Options After High School
Top 10 Countries for Indian Students After High School
Permanent Residency After Study
Post-Study Work Visa: Top Countries
Study in Canada After High School
Canada Study Permit Guide
Study in USA After High School
USA F-1 Student Visa
Study in UK After High School
UK Student Visa
Study in Australia After High School
Australia Student Visa
Study in New Zealand After High School
Germany Student Visa
Ireland Student Visa
Study in Europe After High School
Study in UAE After High School
Study Abroad Scholarships
How to Choose a Country for Study Abroad
How to Choose a University
OSSD University Pathways
OSSD in India
OSSD vs IB vs Cambridge vs Edexcel
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What is required for a study visa for Indian students?
Indian students generally need a valid passport, admission from an eligible international institution, academic transcripts, proof of sufficient tuition and living funds, required immigration forms and supporting documents, and English-language evidence where applicable. Depending on the country, students may also need biometrics, medical examinations, insurance, an interview or additional financial documentation. University admission does not guarantee visa approval.
Study Visa for Indian Students – 30 Frequently Asked Questions
Study Abroad & Student Visa
Alternative:
International University Planning
Study Visa, Student Visa, Indian Students, Study Abroad, Canada Study Permit, F1 Visa, UK Student Visa, Australia Student Visa, New Zealand Student Visa, Germany Student Visa, International Education, OSSD, Victoria Academy
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/blog/usa-f1-visa-indian-students
UK Student Visa
/blog/uk-student-visa-indian-students
Australia Student Visa
/blog/australia-student-visa-indian-students
New Zealand Student Visa
/blog/new-zealand-student-visa-indian-students
Germany Student Visa
/blog/germany-student-visa-indian-students
Ireland Student Visa
/blog/ireland-student-visa-indian-students
Student Visa Financial Proof
/blog/student-visa-financial-proof
Study Visa Documents
/blog/study-visa-documents
Visa Refusal Reasons
/blog/student-visa-refusal-reasons
Study Visa Without IELTS
/blog/study-visa-without-ielts
Student Work Hours
/blog/international-student-work-hours
PR After Study
/blog/pr-after-study-top-countries
Study Options After High School
/blog/international-study-options-after-high-school
OSSD University Pathways
/blog/ossd-university-pathways
The full SEO journey becomes:
High School
→ Study Abroad
→ Choose Country
→ Choose University
→ Scholarship
→ Study Visa
→ Post-Study Work
→ Career
→ Potential Long-Term Residence
That gives Victoria Academy a strong information pathway from Grades 9–12 planning all the way to international higher education.
Important 2026 Visa Note: Student visa requirements, financial thresholds, work rights, post-study permits and immigration policies can change quickly. Students should verify the rules applying to their exact country, institution, programme and application date before making non-refundable payments. No school, diploma, university admission or scholarship can guarantee a government visa decision.