Sending your child to university in Canada: a guide for international parents
To study in Canada your child needs a letter of acceptance, usually a provincial attestation letter, and proof that the family can pay. For a study permit application made on or after September 1, 2026, outside Quebec, IRCC asks one student to show $23,448 for a year's living costs, on top of first-year tuition and travel. If you're paying, IRCC wants a letter from you, proof of your relationship, your ID, and six months of bank statements that show where the money came from.
Reviewed October 2, 2026 · Checked against the primary sources below · How we review guides
Key facts
- Living costs to show
- $23,448 for one student, outside Quebec, for applications on or after September 1, 2026. Tuition and travel are extra.
- Bank statements
- The past 6 months, including the month you apply or the month before, with the source of the money shown.
- Permit fees
- $150 for the study permit and $85 for biometrics, in Canadian dollars.
- Under 17
- A minor under 17 must come with a parent or legal guardian or have a custodian in Canada.
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Dates included (10)
- OUAC Group A deadline (Ontario high-school students)January 15, 2027
- Waterloo Engineering (except Architecture)January 15, 2027
- Waterloo, most programs other than EngineeringFebruary 1, 2027
- Western equal considerationJanuary 15, 2027
- uOttawa recommended date, most direct-entry programsJanuary 15, 2027
- York, Ontario high-school applicantsJanuary 15, 2027
- UBC application deadline (11:59 p.m. PST)January 15, 2027
- Emily Carr application and documentsJanuary 15, 2027
- University of Alberta, most programsMarch 1, 2027
- McGill, Canadian high schools outside QuebecFebruary 1, 2027
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Living costs IRCC asks families to show
Amounts for a year, outside Quebec, not counting tuition or travel. IRCC updates them every year.
| People coming to Canada (including the student) | Amount for one year |
|---|---|
| 1 | $23,448IRCC: Proof of financial support |
| 2 | $29,192IRCC: Proof of financial support |
| 3 | $35,888IRCC: Proof of financial support |
| 4 | $43,572IRCC: Proof of financial support |
| Each extra person after 7 | $6,318IRCC: Proof of financial support |
Every row was checked against its official source on October 2, 2026. Recheck the source before you act, because dates and fees change.
The order things happen in
Admission comes first, then the permit. Your child applies to the university, gets an offer and accepts it. The school then issues a letter of acceptance and, in most provinces, helps the student get a provincial or territorial attestation letter, called a PAL or TAL. Only then can your child apply for a study permit.
IRCC now asks the school to confirm each post-secondary letter of acceptance is valid. If the school doesn't confirm it in time, IRCC returns the application and refunds the fee. Make sure the school knows your child has applied.
- Accept the offer and pay any deposit the school requires.
- Get the letter of acceptance and ask the school how to get the PAL.
- Gather proof of funds, then apply for the study permit online.
- Give biometrics if IRCC asks for them.
Sources: IRCC: Get the right documents · IRCC: Provincial attestation letter
The provincial attestation letter (PAL)
A PAL is a letter from the province confirming there's a space for your child under Canada's cap on study permits. The school provides it, and your child includes it with the study permit application, not after.
Timing matters for a Fall 2027 student. A PAL issued in 2026 is valid until December 31, 2026, and IRCC won't accept a PAL from a previous cap year. So a student applying for a permit in 2027 needs a PAL issued in 2027, and IRCC hasn't yet published the 2027 details. Since January 1, 2026, master's and doctoral students at public schools don't need a PAL, but undergraduates still do.
Sources: IRCC: Provincial attestation letter
Proof of funds when you are paying
IRCC asks for enough money to pay first-year tuition, a year of living costs and travel to and from Canada, without your child working. For a longer program, the application must also explain how the rest will be paid, for example a multi-year scholarship or proof that the parents are employed. IRCC assesses both the amount and where the money came from.
When parents are the sponsor, IRCC's examples include a letter from you that gives your job or occupation, your relationship to the student, how many dependants you have and how much you'll provide. Add proof of the relationship and a copy of your photo ID or business registration. Bank statements should cover the past 6 months, including the month of the application or the month before, and show where deposits came from, such as salary or savings transfers.
Other common proof includes a receipt for first-year tuition and housing, an education loan, a scholarship letter, or a guaranteed investment certificate from a Canadian financial institution. If your country controls foreign exchange, you also have to show the money can leave the country.
- Avoid large unexplained deposits in the months before applying.
- Keep pay slips or business records that match the statements.
- Check the visa office instructions for your country for extra documents.
Sources: IRCC: Proof of financial support
If your child is under the age of majority
Each province sets its own age of majority. It's 18 in Alberta, Manitoba, Ontario, Prince Edward Island, Quebec and Saskatchewan, and 19 in British Columbia, New Brunswick, Newfoundland and Labrador, Nova Scotia and the territories.
Many students start university at 17. IRCC says a minor under 17 must either come with a parent or legal guardian or have a custodian in Canada. The custodian is a responsible adult who is a Canadian citizen or permanent resident. For minors who are 17 or older a custodian is optional, but an officer can ask for one. To appoint a custodian, send the Custodianship Declaration form with the study permit application.
Fees, timing and the end of the fast-track stream
The study permit fee is $150 per person, and biometrics cost $85 per person, with a family maximum when several people apply together. IRCC's fees are in Canadian dollars and the same around the world.
There's no longer a fast-track stream. Canada ended the Student Direct Stream and Nigeria Student Express on November 8, 2024. Every student now uses the regular study permit stream, which accepts a guaranteed investment certificate as one form of proof. Apply as soon as your child has the letter of acceptance and the PAL.
Sources: IRCC: Fee list · IRCC: End of the Student Direct Stream
Health insurance, work and life after graduation
International students at Ontario universities are covered by UHIP, the University Health Insurance Plan. It's compulsory and provides benefits similar to OHIP, Ontario's plan for residents. The fee usually appears on your child's university account. Other provinces have their own rules, so check the school's international office.
During classes, eligible students can work off campus up to 24 hours a week without a separate work permit, and unlimited hours during scheduled breaks. They need a valid permit with work conditions printed on it, full-time enrolment in a program of at least six months and a social insurance number. Build your budget without that income, since IRCC does.
After a bachelor's degree, graduates of an eligible program can apply for a post-graduation work permit. They must show English or French at Canadian Language Benchmark 7 in all four skills, but there's no field-of-study requirement for bachelor's, master's or doctoral graduates.
Sources: UHIP · IRCC: Work off campus · IRCC: Post-graduation work permit eligibility
Protecting your family from fraud
IRCC says you don't need to hire a representative. Every form is free on its website, and using one won't draw special attention to an application. If you do pay someone, they must be authorized: a lawyer or paralegal in a Canadian law society, a Quebec notary, or a member of the College of Immigration and Citizenship Consultants.
Be wary of anyone who promises a permit or suggests false information. You're responsible for everything in the application, even if someone else fills it in. Our adviser guide lists more red flags.
For the admissions side, start with our country guides. They cover how Canadian universities read your child's school results, which English tests they accept and the scholarships open to international students. See the international student guide for the full list.
Sources: IRCC: Learn about representatives
Official sources
Confirm current dates, rules, fees, and program details in these primary sources.
Written by Stellar Advisers Editorial Team · Reviewed by Official-source review desk · Last reviewed October 2, 2026
- IRCC: Proof of financial supportCurrent (page modified August 28, 2026): $23,448 for one person on or after September 1, 2026, six months of bank statements, sponsor letter contents.
- IRCC: Provincial or territorial attestation letterCurrent: PAL validity by cap year, master's and doctoral exemption from January 1, 2026. 2027 cap details not yet published.
- IRCC: Study permit, get the right documentsCurrent: schools must validate post-secondary letters of acceptance.
- IRCC: Minor children studying in CanadaCurrent: ages of majority by province, custodian rule for minors under 17.
- IRCC: Fee listCurrent (modified September 21, 2026): study permit $150, biometrics $85 per person.
- IRCC: Work off campusCurrent: up to 24 hours a week in session, unlimited during scheduled breaks.
- IRCC: Post-graduation work permit eligibilityCurrent: CLB 7 for degree graduates; no field-of-study requirement for bachelor's degrees.
- IRCC: End of the Student Direct Stream and Nigeria Student ExpressNotice dated November 8, 2024; applications now use the regular stream.
- IRCC: Learn about representativesCurrent: representatives are optional; who can be paid.
- University Health Insurance Plan (UHIP)Current: compulsory coverage for people studying and working at Ontario universities.
Frequently asked questions
Quick answers to the questions applicants ask most often.
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