The Canada Work Permit Guide for Education Loan Applicants

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canada work permitFor most Indian students, an opportunity to study in Canada also acts as a gateway to excellent job opportunities in a country which accommodates a diverse workforce. This brings to light the topic of today’s article; A Canada work permit post graduation or the PGWP. Every year, hundreds of Indian students enroll into various Canadian universities/colleges in the hope of getting better work opportunities. However, not many are well aware of the requirements of a Canada work permit after graduation/post graduation.

This article aims to highlight two important aspects of studying in Canada. One is the entire process of obtaining a Canada work permit and the other is to highlight how consultancies often misguide students regarding the Canada work permit and how this, in turn, affects their education loan processLet us first look at the various aspects of the process which students have to fulfill in order to get a Canada work permit post their studies. 

What is a Post Graduation Work Permit?

A post graduation work permit is granted to those who have completed their studies in Canadian colleges/universities (DLI) and are looking for opportunities to temporarily stay back and work in Canada. One of the basic requirements which students have to fulfill in order to qualify for a Canada work permit post higher studies is to complete their education from any of the DLIs (Designated Learning Institutions). However, this is just one of the post graduate work permit requirements. 

Students also need to pay attention to the expiry date of their Canada study permit especially if they are close to finishing their course. This is the second important requirement. If the study permit expires during their stay in Canada, students will be required to re-apply for the same in order to be eligible for a Canada work permit after completing their course.

Read about Canada Education Loan: GIC & loan Process in detail

Who Can Apply For a Canada Work Permit After Graduation?

Students who have migrated to study in Canada and are currently in the final phase of their studies have a total of 180 days to submit their post graduate work permit application after they receive their marks. Candidates especially need to ensure that their study permit remains valid at some point within these 180 days. So what happens if the permit to study in Canada expires even before students get their final results? The Canada work permit eligibility criteria state that in such a case where a student’s study permit expires before their 180 day lock in period, they will be given two different options.

  1. Apply for a visitor record to extend their stay in Canada
  2. Return to their native country and re-apply for a post graduation work permit to work in Canada.

If they successfully meet these post graduate work permit requirements, students will be eligible to apply for a Canada work permit.

So, to summarize the post graduate work permit application requirements, it is extremely important to keep a close eye on your study permit expiry date in order to be able to qualify for a post graduation work permit,and a Canada work permit is only granted to migrant students who have finished their graduation/post-graduation from any Designated Learning Institution with a valid study permit. This is a mandatory requirement mentioned in the Canada work permit eligibility criteria.

Moving on, let us take a look at who is not eligible to apply for this Canada work permit. The official page of the Canadian immigration website states that the following students are ineligible to apply for a post graduate work permit.

  • already received a PGWP
  • studied English or French as a second language
  • took general interest or self-improvement courses
  • participated in the Government of Canada Awards Program funded by Global Affairs Canada
  • had funding from Global Affairs Canada
    • Note: If you got a Study in Canada scholarship, you’re still eligible for a PGWP.
  • got the Equal Opportunity Scholarship, Canada-Chile
  • participated in the Canada-China Scholars’ Exchanges Program
  • participated in the Organization of American States Fellowships Program
  • completed the majority of a study program by distance learning (online courses, e-learning or correspondence)
  • completed a study program at a non-Canadian institution located in Canada

Although Canada’s immigration rules regarding the Canada work permit are pretty much stringent, certain exceptions are allowed. You can get the complete list here.

The next obvious question would be about the application procedure that students need to undertake in order to gain their Canada work permit.

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How to Apply For a Post Graduate Work Permit?

As mentioned in the beginning of this article, students are granted a total of 180 days to  fill and submit their post graduate work permit application after receiving their final degree, diploma, transcript or an official letter from their respective educational institutions. The post graduate work permit application can be submitted on paper or online.

Also read about Canada GIC Process

Post Graduate Work Permit Application Fees & Documentation

If the permit to study in Canada expires before the 180 day period begins, students are given a grace period of close to 90 days to re-apply for a new one in order to restore their status as students. In such cases, candidates will be required to first restore their status as students and then apply for a PGWP to work in Canada. The following charges are applicable to students whose study permits expire before receiving their qualifications:

  1. Post graduate work permit application fees – $ 255 CAN
  2. Re-applying for student permit –  $ 350 CAN

Students will not be allowed to work unless and until they possess both the documents. Should they fail to apply for the restoration of their status as students within the grace period, immigration rules require them to leave Canada and apply for a fresh study permit and Canada work permit.

Before applying for a PGWP, it will be better to keep the following documents handy:

  1. An official letter from your school that confirms you’ve completed your study program
  2. An official transcript, or a copy of your transcript from your school’s website

Post Graduate Work Permit Processing Time

Although students are allowed to submit their post graduate work permit applications via paper, the immigration department strongly recommends applying online to make the entire process easy for students. Although the post graduate work permit processing time for both online, as well as paper applications are more or less the same, the procedure of applying online is easier as opposed to sending the Canada work permit application form physically. Students will be required to submit their bio metrics online in order to successfully complete their post graduate work permit application process.

If you think that the entire process ends here, you are mistaken. If you may have observed, the validity of a typical post graduate work permit was not mentioned in the beginning. This brings us to the next important part of the article, the validity period of a Canada work permit.

Canada Work Permit Validity

Once issued, the validity period of a Canada post graduate work permit is equal to the total course duration. The following table depicts the validity period of the PGWP for different courses. It is essential to note these validity periods before you approach any consultancy for guidance regarding your course.

Course Duration PGWP Validity
Program less than eight months Students are not eligible for a PGWP
Program is more than eight months but less than two years Validity is similar to the course period. That is, for a nine month course, the PGWP validity will be 9 months.
Program is greater than 2 years 3 years
More than one program completed Conditional*

Students who have completed multiple programs in Canadian universities/colleges can get a post graduate work permit whose validity period combines the length of each course. Again, students who fulfill the following Canada work permit requirements are eligible.

  1. All the courses must be eligible for a post graduate work permit
  2. Each course must be at least 8 months long. Courses which are shorter than that will not be considered as eligible for a PGWP.

How Does the Validity of Canada Work Permit Affect Your Education Loan?

The promise of better job opportunities with better salaries is what attracts a significant percentage of Indian students to Canada. Since a lot of them are unaware of the rules and regulations of obtaining a Canada work permit after completing their studies, many students tend to turn to consultancies for guidance regarding the same.

This is a very common practice observed among the students who have been accepted into lesser-ranked universities and colleges across Canada. The above table shows that  students who are enrolled into 2 year courses are granted a PGWP of 3 years, and those who have enrolled for a 1 year course are allotted a PGWP validity of the same duration.

Now, candidates who need a post graduate work permit extension are often advised by their higher education consultancies to enroll for 1 year courses first and then on completion of the same, they could apply for another course. This way, by consecutively completing two programs, each of which lasts for 1 year, such students get to avail a 3 year PGWP. 

There is nothing wrong in this method. However, it is quite risky. If students fail to complete their course, they will only be granted a one year PGWP. Once this PGWP expires, they will be required to return to their native country.  It is essential to understand that two different programs of the same duration are not considered as one by banks and NBFCs, when students apply for an education loan. Since lot of students who wish to study in Canada fund their higher studies with an education loan, it is important to understand this fact.

Now, the abroad education loan schemes of most government banks are designed to cater for the regular, two years long undergraduate/postgraduate programs in Canada. Hence, very few government banks agree to lend a Canada education loan to students who have been enrolled into certificate/diploma programs of one year. This makes unsecured education loans as the only funding option for such courses.

The 18th episode of Loanflix discusses the unsecured Canada education loan options. Students can get unsecured education loans of up to INR 25 Lakhs to fund their studies in Canada. When candidates who are now convinced of obtaining a Canada work permit in the same manner as advised by their respective consultancies apply for unsecured education loans with NBFCs, stating their total course duration to be of two years, their applications are outright rejected.

However, organizations like WeMakeScholars still make it possible for such students to obtain an abroad education loan successfully by convincing them to first borrow a Canada education loan for the one year course and on successfully completing the same, apply for a second education loan to fund their second course. 

This is only possible if you approach our financial team for assistance regarding education loans. So request a callback today to understand the entire education loan process in a clear manner.

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Why apply through WeMakeScholars?

 As you all are aware, the funding requirements of every country is different. In the abroad education loan process, candidates require funds in different phases. One of the most important phases is when they apply for a student visa to the respective country. Sometimes, many students who apply for US and Canada visas are required to show proof of liquid funds in their accounts, even before their visa is processed, for different purposes. This is a requirement asked by the many embassies. Banks disburse these funds in the form of a pre-visa disbursement. Now, many a time, being unaware of the policy changes made by embassies, government bank officials have been known to hesitate to process this amount to the candidates at the time of disbursement. At WeMakeScholars, our team understands these requirements and helps students secure their pre-visa disbursement and other documents at the right time. So if you are stuck at any point in your education loan process, do not hesitate to pick up that phone and request a callback from our team

Note: WeMakeScholars is an organization funded and supported by the Government of India that focuses on International Education finance. We are associated with 10+ public/Pvt banks/ NBFCs in India and help you get the best abroad education loan matching your profile. As this initiative is under the Digital India campaign, it’s at free of cost. The organization has vast experience dealing with students going to various abroad education destinations like the US, Canada, UK, Australia, Germany, Sweden, Italy, China, France among others

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Bibliophile, wanderer, major foodie. I write too :)

 

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