Key takeaways
- You need a letter of acceptance from a Designated Learning Institution (DLI) before you can apply for a Canadian study permit.
- Most new students also need a provincial attestation letter (PAL/TAL); master's and PhD students at public DLIs are exempt since 1 January 2026.
- For applications from 1 September 2026, IRCC asks one person to show CAN$23,448 for living costs, on top of first-year tuition and travel.
- Average international tuition for 2026/27 was CAN$42,062 for undergraduate and CAN$24,693 for graduate programs (Statistics Canada).
- Eligible students can work up to 24 hours a week off campus in term and may later qualify for a Post-Graduation Work Permit of up to 3 years.
On this page
- Is Canada a good choice for you?
- The journey at a glance
- Choosing English-taught programs and universities
- Applying: portals, intakes and timing
- The study permit, PAL/TAL and caps
- What it costs
- Scholarships: be realistic
- Working while you study and after you graduate
- Health insurance and arrival
- Applying from Afghanistan: what is different
- Mistakes to avoid
To study in Canada as an international student, you first get admitted to a program at a Designated Learning Institution (DLI), then use that letter of acceptance (plus, in most cases, a provincial attestation letter) to apply online for a study permit from Immigration, Refugees and Citizenship Canada (IRCC). You must also prove you can pay first-year tuition, living costs and return travel.
This guide walks you through the whole journey for students from countries such as Afghanistan, Pakistan, India, Iran, Bangladesh, Nigeria and Egypt: choosing an English-taught program, applying, the study permit and its caps, real costs, scholarships, work rules and staying after graduation. Each step links to a detailed guide.
Is Canada a good choice for you?
Canada offers a very wide range of English-taught programs, a work-while-studying right and a post-graduation work permit. But it is not cheap, and since 2024 the federal government has capped the number of study permits. For 2026, IRCC said it expects to issue up to 408,000 study permits: 155,000 to newly arriving students and 253,000 extensions for current and returning students (IRCC notice, 25 November 2025).
That means competition is real and your application must be complete and convincing. Read our honest pros and cons of studying in Canada before you commit money to application fees.
The journey at a glance
- 1
Shortlist programs at DLIs
Use the official EduCanada program search and check every school on the DLI list. If you want to work after graduating, confirm the school and program are PGWP-eligible.
- 2
Check entry requirements
Each institution decides how it recognises your school certificate or degree. See Canada university admission requirements.
- 3
Take an English test
Most universities ask for IELTS Academic, TOEFL iBT, Duolingo, PTE or CAEL. Many undergraduate programs ask for IELTS 6.5.
- 4
Apply to universities
Apply directly on each university's portal, or through OUAC for Ontario undergraduate programs. Step by step: how to apply to universities in Canada.
- 5
Accept the offer and get your PAL/TAL
After you accept and pay a deposit, your school usually requests the PAL/TAL for you. In Quebec you apply for a CAQ instead.
- 6
Apply for the study permit
Apply online with your letter of acceptance, PAL/TAL or CAQ, proof of funds and other documents, then give biometrics. Full checklist: Canada student visa guide.
- 7
Travel and arrive
If approved, you get a port-of-entry letter of introduction. The border officer issues the actual study permit when you arrive.
Choosing English-taught programs and universities
Canada has two official languages. Most universities outside Quebec teach in English, while many Quebec universities teach in French. FindUniPath tracks 93 Canadian universities; 72 of them list English-taught programs in our database, with 4,085 bachelor's, 2,653 master's and 1,230 doctoral program entries. Large English-taught catalogues include the University of Toronto, the University of British Columbia, McGill, the University of Alberta and the University of Ottawa.
Our guide to English-taught programs in Canada explains where to find them and what IELTS or TOEFL scores you need.
Check the DLI number and PGWP eligibility
A study permit is only possible with an acceptance letter from a post-secondary DLI. You enter the DLI number in your application. Not every program at every DLI leads to a Post-Graduation Work Permit, so check the official list before you apply.
Applying: portals, intakes and timing
There is no single national application system. You apply to each university by its own deadline. Ontario universities use the Ontario Universities' Application Centre (OUAC) for undergraduate applications, and British Columbia has EducationPlannerBC. Many universities take applications directly.
Most programs start in September (fall), and some also admit in January (winter) or May. Undergraduate deadlines for fall 2027 entry are mostly between November 2026 and March 2027. For example, the University of Toronto's international undergraduate deadline for fall 2027 is 15 January 2027, and UBC's is also 15 January 2027 (U of T deadlines).
The study permit, PAL/TAL and caps
International students in programs longer than six months need a study permit. If you also need a visitor visa, it is issued automatically with your study permit approval at no extra cost (IRCC eligibility).
- PAL/TAL: most new post-secondary students need a provincial or territorial attestation letter. It must be valid on the day you apply and cannot be from a previous cap year.
- Exempt since 1 January 2026: students applying to master's or doctoral programs at a public DLI, among other groups listed by IRCC.
- Quebec: you need a Quebec Acceptance Certificate (CAQ) instead of a PAL/TAL, including for master's and PhD.
- Fees: study permit CAN$150 plus biometrics CAN$85 (IRCC fee list).
- Student Direct Stream: the faster SDS stream ended on 8 November 2024. Everyone now applies through the regular stream.
What it costs
Statistics Canada reports average international tuition for 2026/27 of CAN$42,062 for undergraduate and CAN$24,693 for graduate programs, with big differences by province. Ontario had the highest undergraduate average (CAN$50,088) and Newfoundland and Labrador the lowest (CAN$18,911).
| Item | Amount | Source |
|---|---|---|
| Living costs, 1 person (applications from 1 Sept 2026) | CAN$23,448 per year | IRCC |
| First-year tuition | As on your letter of acceptance | IRCC |
| Return travel | Amount not fixed | IRCC |
| Quebec living costs, 1 person (from 1 Jan 2026) | CAN$24,617 per year | Government of Quebec |
See the full breakdown, including cheaper provinces and application fees, in our cost of studying in Canada guide.
Scholarships: be realistic
Most Government of Canada scholarships listed on EduCanada are short-term exchanges for specific regions, and none names Afghanistan. For a full degree, your best chances are university entrance awards (for example, the University of Waterloo advertises new CAN$10,000 scholarships for international students applying to most of its programs) and graduate funding packages for research master's and PhD students. Details: scholarships in Canada for international students.
Working while you study and after you graduate
Eligible full-time students at a DLI can work up to 24 hours per week off campus during classes and unlimited hours in scheduled breaks, if their permit allows it and they have a Social Insurance Number. On-campus work has no hour limit (IRCC work off campus).
After graduation, you may apply for a Post-Graduation Work Permit (PGWP) within 180 days. Bachelor's, master's and PhD graduates need CLB 7 language results and have no field-of-study requirement. Read work and stay in Canada after graduation.
Health insurance and arrival
IRCC does not list health insurance among the study permit documents, because health coverage for international students is a provincial matter. Depending on the province, you may be covered by the provincial plan or need private or university insurance, so check your school's rules on EduCanada's health care page.
In Quebec you must have health and hospitalization coverage for your whole stay. Unless a social security agreement gives you provincial (RAMQ) coverage, you have 5 to 30 days after arrival to buy private insurance or join your institution's group plan. Memorial University, for example, lists international health insurance of CAN$548 among its 2026/27 fees.
When you land, bring your passport, the port-of-entry letter of introduction and your original documents (acceptance letter, PAL/TAL or CAQ, proof of funds). The border services officer checks them and issues your study permit. Read the conditions printed on it carefully: they decide whether you may work.
Applying from Afghanistan: what is different
No Canadian embassy or VAC in Afghanistan
The Embassy of Canada in Afghanistan has suspended operations, and the nearest office for consular services is the High Commission in Islamabad. IRCC assigns Afghanistan to its Abu Dhabi visa office. You apply online but must give biometrics at a visa application centre in another country, for example in Pakistan, Tajikistan, the UAE, Türkiye or India.
- Afghanistan is on IRCC's medical exam list, so you need an exam with an IRCC panel physician for a study permit.
- Afghanistan is not a party to the Apostille Convention, so Afghan documents cannot be apostilled. Ask each university how it verifies Afghan certificates.
- Several universities publish Afghan-specific rules. Memorial University says it will consider applicants who face challenges getting official documents from Afghanistan, and UBC's graduate school waives the application fee for applicants whose citizenship and address are in Afghanistan.
- IRCC's special immigration measures for Afghans are closed and do not cover study permits. You apply like any other student.
More on documents in Canada documents, translation and legalization. You can also track deadlines for free on FindUniPath and see each university's official dates in one place, or browse the Canada country hub.
Mistakes to avoid
- Applying to a school that is not a DLI, or a program that does not lead to a PGWP when you plan to work afterwards.
- Waiting for an acceptance before booking an English test. Test dates and results take time.
- Using a PAL/TAL from a previous cap year. IRCC will not accept it.
- Showing only the minimum living-cost amount without tuition and travel money.
- Letting a relative translate your documents. IRCC does not allow applicants or family members to translate their own documents.
Frequently asked questions
Can I study in Canada without IELTS?
Some universities accept TOEFL, Duolingo, PTE or CAEL instead, and some waive the test if you studied in English. Policies differ by university, so check the official admission page of each program.
How much bank balance do I need for a Canada study permit?
For applications from 1 September 2026, IRCC asks one person studying outside Quebec to show CAN$23,448 for living costs plus first-year tuition and return travel. Quebec sets its own amount, CAN$24,617 for one person from 1 January 2026.
Do master's students need a PAL in 2026?
No, not at a public DLI. Since 1 January 2026, applicants to master's or doctoral programs at public DLIs are exempt from the PAL/TAL and must include proof of the exemption. Quebec still requires a CAQ.
Can I apply for a Canadian study permit from Afghanistan?
Yes, online. There is no Canadian embassy or visa application centre in Afghanistan, so you give biometrics at a VAC in another country such as Pakistan, and your file is handled by the Abu Dhabi visa office.
Can international students work in Canada?
Eligible full-time students can work up to 24 hours per week off campus during classes and unlimited hours in scheduled breaks, with a Social Insurance Number and the right condition on their permit. On-campus work has no hour limit.
Official sources
Checked on 16 October 2026. Rules, fees and dates change — always confirm on the official page before you apply.
- 1.IRCC - Study permit
- 2.IRCC - Provincial or territorial attestation letter (PAL/TAL)
- 3.IRCC - Proof of financial support
- 4.IRCC - 2026 allocations under the international student cap
- 5.IRCC - End of the Student Direct Stream
- 6.IRCC - Work off campus
- 7.IRCC - PGWP eligibility
- 8.Statistics Canada - Tuition fees by level of study (table 37-10-0045-01)
- 9.Government of Quebec - Costs of studies
- 10.Travel.gc.ca - Afghanistan
- 11.EduCanada - Scholarships for international students
- 12.University of Toronto - Deadlines
- 13.University of Waterloo - Scholarships
- 14.EduCanada - Canadian health care
- 15.Memorial University - Money matters