When are you entitled to a refund? Four common scenarios
Canada takes a different regulatory approach to the UK, Australia, and New Zealand: there is no federal statute setting a uniform refund entitlement for international students. Instead, each DLI's Letter of Acceptance and published refund policy is the actual governing document for your case, and provincial law adds further protection in some cases.
1. Study permit refused before you arrive
IRCC officers assess every application for whether they're satisfied you're a bona fide student who will comply with your permit conditions — Canada doesn't use one formally named test the way the UK or Australia does, but a refusal on this basis is still a standard study permit refusal. The great majority of DLIs' published policies refund tuition once you submit the official IRCC refusal letter, though nearly every institution retains an administrative or processing fee, and the amount varies widely: published examples range from roughly CAD $500 at some career colleges to $2,300–$2,500 at some public colleges.
Permit refused? Ask HOA for help2. Your course became full or your offer was withdrawn
DLIs occasionally withdraw a Letter of Acceptance if a program becomes oversubscribed or an administrative issue arises on their side. Most institutions' published policies treat this as grounds for a full refund since it isn't the student's fault — get the university's decision and your options in writing.
Course full or offer withdrawn? Ask HOA3. New requirements were introduced that you can no longer meet
Requirements such as the Provincial Attestation Letter (PAL) system and proof-of-funds thresholds have changed repeatedly since 2024. Most recently, from 1 January 2026, Master's and Doctoral students at public DLIs no longer need a PAL at all — check whether your specific programme and DLI now qualify for this exemption before assuming you still need one. If a genuinely new requirement introduced after your offer means you can no longer qualify, raise it with your institution's international office in writing — this is assessed against your specific Letter of Acceptance rather than one blanket rule.
Requirements changed on you? Ask HOA4. Ontario's provincial backstop for private career colleges
Ontario's Private Career Colleges Act, 2005, and its regulations give international students at registered private career colleges (not public universities) a specific right: a notice that you were not issued a study permit is treated as a valid withdrawal notice, and if given before half of the instruction hours have passed, the college may retain only the lesser of 20% of your total program fees or CAD $500 — refunding the balance within 30 days. This rule applies specifically to private career colleges regulated under that Act — public universities and colleges set refund terms institutionally, so always check which type of institution holds your offer.
Worked example
You paid CAD $15,000 in tuition. Your study permit is refused. Your DLI's policy retains an administrative fee — published examples range roughly from $500 to $2,500 depending on the institution; using a mid-range example of $1,000 retained:
CAD $15,000 − $1,000 = CAD $14,000 refunded
At an approximate market rate of NPR 110/CAD, that's roughly NPR 15,40,000 (about 15.40 lakhs) before any bank transfer fees.
Illustrative only — both the administrative fee and the exchange rate vary; confirm your institution's exact fee and the live NPR/CAD rate before relying on this figure.
What if you withdraw after you've already arrived and started studying?
This is the scenario with the widest variation between institutions in Canada. Most published policies apply a sliding scale tied to how much of the term has passed, or state plainly that withdrawal after the term begins is not eligible for any refund — check your specific institution's schedule rather than assuming a Canada-wide rule.
Choosing deferral instead
- Some DLIs let you defer your Letter of Acceptance to a later intake
- Keeps your place without a fresh application
- Only sensible if the same DLI still suits your plans
Choosing a refund
- Money returns to you now, minus the institution's admin fee
- Frees you to apply to a different DLI or country
- Right choice if a permit refusal or requirement change affects this specific offer
How to request your refund, step by step
- Find your specific DLI's refund policy. Check your Letter of Acceptance and the institution's international office webpage — this is the actual contract term that applies to you.
- Gather your evidence. The official IRCC study permit refusal letter (some institutions require the original, not a scan), your Letter of Acceptance, and proof of your tuition payment — or the institution's written notice if your offer was withdrawn.
- Check your deadline immediately. Many DLIs set short windows — sometimes just days into the semester — so act as soon as you receive your refusal letter, using the ready-to-send email below.
- Submit your written request. Use the institution's specific withdrawal/refund form, addressed to its international admissions or accounts office.
- Confirm the exact administrative fee in writing. Ask for the specific amount your institution will retain, since this varies significantly between institutions.
- Escalate through the right channel. For a registered private career college, provincial regulation (for example, Ontario's Ministry of Colleges and Universities) may apply; for public universities, raise unresolved issues with the registrar and, if needed, your province's relevant consumer affairs office.
Ready-to-send refund request email
Copy this, fill in the bracketed details, and attach the evidence relevant to your scenario.
Subject: Refund Request – [Your Full Name] – [Student / Application ID]
Dear [Institution] International Student Office,
I am writing to request a refund of the tuition fees I paid for [Program Name], [Term/Intake], under Letter of Acceptance reference [reference number].
[Select the line that applies:]
• My study permit application was refused by IRCC. I have attached the official refusal letter dated [date].
• I have been informed my place / program is no longer available. I have attached your notification dated [date].
• [Describe your situation.]
Please confirm the refund amount according to your published refund policy, including any administrative fee that applies, and the expected processing timeframe. I have attached the following supporting documents: [list]. My payment was made from [bank name / account details], and I would be grateful if the refund could be returned to the same account.
Please let me know if you require any further information.
Kind regards,
[Your Full Name]
[Student / Application ID]
[Phone number]
[Email address]
Documents commonly requested
| Scenario | Documents usually required |
|---|---|
| Study permit refused | Official IRCC refusal letter, Letter of Acceptance, payment receipt |
| Course full / offer withdrawn | Institution's written withdrawal notice, payment receipt |
| Changed requirement | Letter of Acceptance, correspondence showing the change, institution's written response |
| Ontario private career college withdrawal | Written notice before 50% of instruction hours have passed |
What about your NOC and your education loan?
Two Nepal-specific practicalities to sort out alongside your refund:
- NOC (No Objection Certificate): mandatory for Nepali students going to any country, including Canada. Your NOC was issued against your specific offer, so if you plan to apply elsewhere afterwards you'll typically need an updated NOC referencing the new offer — confirm current requirements directly on HOA's NOC guide or the MoEST portal. The NPR 2,000 NOC fee is a government processing charge, separate from any institution refund.
- Education loan: if you've taken an education loan and funds were already disbursed, redirect the refunded amount toward the loan promptly to limit interest accruing on money no longer needed for its original purpose. If the loan was sanctioned but not yet disbursed, contact your bank to pause or cancel disbursement, and keep your institution's refund confirmation as documentation.
If your refund is refused or delayed
Raise the issue in writing with the institution's international student office or registrar first, referencing the specific clause of the refund policy you believe applies to your case. Where you go next depends on the type of institution:
- Registered private career colleges (for example, in Ontario) are subject to provincial consumer-protection statutes with a dedicated regulator you can approach if the institution won't comply with its own registered policy.
- Public universities and colleges generally direct unresolved disputes to their own senate or ombuds office; there is no single Canada-wide higher-education ombudsman equivalent to Australia's or New Zealand's, so the available escalation route depends on your specific province and institution.
Your Canada plan fell through — is the UK worth a second look?
Nepali students who lose a Canadian place to a permit refusal, an oversubscribed course, or a changed requirement often find UK admissions run on a different rhythm — and HOA's guidance is entirely free.
- 153 UK partner universities — HOA has placed students across all 24 Russell Group universities
- An IELTS-waiver (MOI) route accepted by 25+ UK universities for many Nepali academic backgrounds
- £2M+ in scholarships secured for HOA-guided students since 2016
How this compares to other study destinations
| Destination | Governing framework | Typical refund deadline | External dispute body |
|---|---|---|---|
| Ireland | ILEP / TrustEd Ireland (QQI) | 20 working days of written claim | Ombudsman (public only) |
| Canada | Each Designated Learning Institution's own policy | Set per institution (often ~30 days) | Varies by province |
| United Kingdom | Institution's own policy + CMA consumer law guidance | Set per university | OIA (England/Wales), SPSO (Scotland) |
| Australia | ESOS Act 2000 + National Code 2018 | 28 days of written claim | National Student Ombudsman |
| New Zealand | Education Code of Practice 2021 + Fee Protection Rules | Set per provider | Study Complaints | Ngā Amuamu Tauira |
Weighing more than one country? Compare with UK university refunds, Irish university refunds, Australian university refunds, or New Zealand university refunds, or see our UK vs Canada comparison page.