Canada study-permit refusals under IRPR 220 often surprise families who prepaid tuition and bought a GIC. Federal Court decisions and r/ImmigrationCanada threads show the same pattern: year-one liquidity is documented, but later years are not.
What IRCC asks for
Per Canada.ca — Proof of financial support:
- Enough resources for the first year without working in Canada.
- For programs longer than a year, explain how you will pay for the full duration.
Balance certificates without transaction history are a recurring weak point — officers cannot see source or stability.
Build a year-by-year table
| Year | Tuition | Living | Sources |
|---|---|---|---|
| 1 | LOA figure | GIC / living | GIC + prepaid tuition + liquid savings |
| 2+ | Same or updated | Living | Parent income letter + statements, scholarship, remaining savings |
Our free Canada risk check surfaces a Year 2+ funding not shown warning when later years lack sources. Pair it with a combined funds summary and a parental affidavit.
Avoid last-minute consolidation
Moving all family money into one student account right before filing creates lump-sum questions. Leave funds with the sponsor when that story is clearer — see the sponsor transfer advisor.
Not sure if your statement will raise questions? Run a free risk check first — no account required. Then format an officer-readable companion PDF if you need one.
Visa Pack $4.99 unlocks the clean PDF, letters, and credits after you see your flags.