Cost Analysis of Relocating from Nigeria to Canada on a Scholarship

While scholarships may cover tuition fees, many students face additional expenses such as living costs, travel fees, health insurance and other unforeseen expenses. Proper financial planning is key to ensuring that you can comfortably manage these costs and make the most out of your scholarship opportunity.

By breaking down your expenses, securing additional funding if needed and budgeting effectively, you can focus on your studies without the stress of financial uncertainty.

1. The Financial Landscape: The Big Picture

Relocating from Nigeria to Canada on a scholarship isn’t as simple as securing a scholarship offer and boarding a plane. The cost of relocating involves several key elements and it’s important to grasp the full financial picture before you embark on this journey. Scholarship programs in Canada typically cover tuition fees but many do not fully cover the associated costs of living, travel, insurance and other incidental expenses.

This means that while your scholarship might take care of your tuition, you’ll still need to plan for other aspects of your move.

2. Scholarships and Financial Coverage: What’s Really Covered?

When assessing the cost analysis of relocating from Nigeria to Canada on a scholarship, it’s important to first understand what your scholarship covers. Some scholarships such as those offered by Canadian universities, may only cover tuition fees.

Others may offer additional benefits such as:

Living Expenses: Some scholarships include living allowances to cover accommodation, food and transportation.
Travel Allowance: A few scholarships offer travel reimbursement for your flight from Nigeria to Canada.
Health Insurance: As a foreign student, you’ll need to budget for health insurance. While some scholarships cover this, many do not.

To get a true cost analysis, you need to carefully read the terms of the scholarship offer. If the scholarship only covers tuition, you’ll need to budget for the remaining expenses out of pocket or look for additional funding options.

3. Tuition Fees: A Major Component of the Cost

Tuition fees are usually the biggest part of the cost analysis of relocating from Nigeria to Canada on a scholarship. For international students, these fees can range from CAD 7,000 to CAD 29,000 per year, depending on the program and institution. Canadian universities tend to charge higher tuition fees for international students compared to domestic students.

If you’ve secured a scholarship, the next step is to determine how much of your tuition is covered. It’s not uncommon for scholarships to cover anywhere from 50% to 100% of tuition fees. However, you may still have to pay some fees that aren’t included in your scholarship such as registration fees, student activity fees and lab fees.

Be sure to calculate the exact amount your scholarship covers and any out-of-pocket costs that you will need to pay. These costs can vary widely depending on the institution and the program, so you should always verify the specific breakdown with the university.

4. Living Costs in Canada: Housing, Food and Transportation

Once you’ve accounted for tuition fees, the next big factor to consider when assessing the cost of relocating from Nigeria to Canada on a scholarship is living costs. This includes housing, food, transportation and personal expenses.

Here’s a breakdown of the average costs you can expect:

Accommodation: Rent is one of the largest expenses for students. Monthly rents in Canadian cities like Toronto, Vancouver and Montreal can range from CAD 600 to CAD 1,500, depending on the location and type of accommodation. Students often opt for university residences, shared apartments or homestays to reduce costs.
Food: On average, a student in Canada spends between CAD 200 and CAD 400 per month on groceries. Eating out at restaurants will cost more with a meal at a mid-range restaurant costing around CAD 15 to CAD 25 per person.
Transportation: Public transportation in Canada is fairly affordable with monthly transit passes ranging from CAD 80 to CAD 120, depending on the city. If you’re living off-campus, consider using student discounts or walking to save money.
Miscellaneous Expenses: Personal items like clothing, toiletries, entertainment and other miscellaneous expenses can add up to CAD 100 to CAD 300 per month.

Living expenses vary greatly by city, so it’s essential to research the specific city you’ll be living in and create a more precise budget. Consider applying for on-campus jobs or finding other income opportunities to help cover your living expenses.

5. Health Insurance: A Vital But Often Overlooked Expense

One of the critical costs in the cost analysis of relocating from Nigeria to Canada on a scholarship is health insurance. As an international student, you’ll need health insurance coverage to cover any medical expenses during your stay. Canada’s healthcare system doesn’t provide free health services to international students and the cost of private health insurance can range from CAD 600 to CAD 1,000 per year.

Some scholarships may offer health insurance as part of the package but if not, you’ll need to purchase insurance independently. Some provinces such as Ontario and British Columbia, offer provincial health coverage for international students but you will still need to pay premiums and possibly wait several months for coverage to begin.

6. Travel Expenses: Getting to Canada and Back

When analyzing the cost of relocating from Nigeria to Canada on a scholarship, it’s important not to forget travel expenses. Flights from Nigeria to Canada typically cost between CAD 800 and CAD 1,500 for a round trip, depending on the time of year and how early you book your tickets.

Many scholarships do not cover travel expenses, so you should prepare for these costs in advance. Look for scholarship opportunities that include travel allowances or consider applying for additional grants to help cover this cost.

7. Visa and Application Fees: Legal and Administrative Costs

Before you can travel to Canada, you’ll need to secure a study permit which can involve several costs including visa application fees and biometrics. The current fee for a Canadian study permit is approximately CAD 150 while biometrics may cost an additional CAD 85.

There are also fees for other essential documents such as police certificates, medical exams and translations of documents if required. While these costs are typically lower than tuition or living expenses, they can still add up. Be sure to account for them when estimating the total cost of relocating.

8. Scholarships and Financial Aid: Additional Funding Options

If your scholarship does not cover all of your expenses, you may need to explore additional funding options. Many universities in Canada offer other scholarships or financial aid programs for international students. You can also apply for government-funded scholarships, private grants or loans.

Additionally, some students take on part-time jobs while studying to help cover their living costs. Canada allows international students to work up to 20 hours per week during the semester and full-time during breaks. While it’s not a guaranteed source of income, this can help reduce the financial burden.

9. Preparing for Emergencies and Unexpected Costs

One often overlooked aspect of the cost analysis of relocating from Nigeria to Canada on a scholarship is the potential for unforeseen expenses. Whether it’s an unexpected medical issue, a rise in rent or an urgent flight home, having a financial cushion is essential. Financial advisors recommend that students set aside at least CAD 1,000 to CAD 2,000 as an emergency fund to cover unexpected costs.

10. Total Cost Breakdown and Budgeting Tips

To summarize, here’s an estimated breakdown of the costs you might face when relocating from Nigeria to Canada on a scholarship:

Expense	Estimated Cost (CAD)
Tuition Fees	7,000 – 29,000 per year
Accommodation	600 – 1,500 per month
Food	200 – 400 per month
Transportation	80 – 120 per month
Health Insurance	600 – 1,000 per year
Travel Expenses	800 – 1,500 round trip
Visa and Application Fees	150 – 235
Miscellaneous	100 – 300 per month

Total Costs for One Year: CAD 10,000 – 35,000

Scholarships with Subsidized Expenses for Nigerian Students in Canada

Canada offers a range of scholarships that not only cover tuition fees but also provide additional financial support to help international students manage the cost of living and other expenses. Here are some prominent scholarships with subsidized expenses for Nigerian students planning to study in Canada:

1. Vanier Canada Graduate Scholarships (Vanier CGS)

The Vanier CGS is one of Canada’s most prestigious scholarships providing significant financial support for doctoral students. This scholarship is valued at CAD 50,000 per year for up to three years. It covers tuition fees, living expenses and even some additional research-related costs. The Vanier CGS aims to attract world-class doctoral students to Canadian institutions, making it a highly competitive scholarship.

2. Canadian Commonwealth Scholarship Program

The Canadian Commonwealth Scholarship Program is aimed at students from Commonwealth countries including Nigeria and offers fully funded scholarships for postgraduate studies. This scholarship provides:

Tuition fees
A living allowance
Travel expenses (round-trip airfare)
Health insurance

The scholarship is available for various degree programs including master’s and doctoral studies and is awarded to candidates based on academic excellence and leadership potential.

3. University of Toronto Scholarships for International Students

The University of Toronto offers several scholarship programs for international students including the Lester B. Pearson International Scholarship Program. This scholarship covers full tuition, books, incidental fees and full residence support for four years. It is highly competitive and awarded to outstanding international students who demonstrate academic excellence, leadership and a commitment to making a positive impact in their community.

4. University of British Columbia (UBC) International Leader of Tomorrow Award

UBC’s International Leader of Tomorrow Award provides a significant financial subsidy for undergraduate students from outside Canada. This scholarship is based on both academic excellence and financial need. It covers:

Full tuition
Living expenses
Additional student fees

The award is renewable for up to four years, depending on the student’s academic progress.

5. The Trudeau Foundation Scholarships

The Trudeau Foundation Scholarships are designed for international doctoral students who are pursuing studies in humanities and social sciences at participating Canadian universities. This scholarship is a substantial financial support package that includes:

Up to CAD 40,000 per year for up to four years
Coverage for tuition, living expenses and travel
Additional research allowances

This scholarship is particularly aimed at students whose research has the potential to contribute to Canada’s cultural, political or social development.

6. York University International Student Scholarships

York University offers multiple scholarships for international students including those from Nigeria. The York University Global Leader of Tomorrow Scholarship provides a substantial financial package that covers:

Full tuition
Accommodation costs
Other living expenses for the duration of the undergraduate program

In addition, York University offers other partial scholarships and financial aid options for international students based on merit and financial need.

7. McGill University Scholarships and Student Aid

McGill University in Montreal offers various scholarships for international students. The McGill Entrance Scholarships provide financial support based on academic performance with some covering a significant portion of tuition and living expenses. McGill also offers work-study opportunities for international students to help cover additional costs.

8. International Student Scholarship at the University of Alberta

The University of Alberta provides scholarships for international students who demonstrate both academic merit and financial need. The scholarships typically cover:

Tuition fees
Partial living expenses

This scholarship is available for both undergraduate and graduate students from countries like Nigeria and is designed to make studying in Canada more affordable.

9. Ryerson University International Undergraduate Student Scholarships

Ryerson University in Toronto offers scholarships for international students including those from Nigeria who are pursuing undergraduate studies. The scholarships cover:

Full or partial tuition fees
Some living expenses

The Ryerson International Student Scholarship program is designed to assist students from around the world including financial support for Nigerian students who meet the academic and financial criteria.

10. The Ontario Graduate Scholarship (OGS)

The Ontario Graduate Scholarship (OGS) provides funding for graduate students at Ontario universities including international students. The award is valued at CAD 15,000 per year and can be used to cover tuition, living expenses and research-related costs. The OGS is awarded based on academic merit and is available for both master’s and doctoral students

Eligibility Criteria

Embarking on the journey to study in Canada as a Nigerian student involves meticulous planning and understanding of the eligibility criteria for both scholarships and study permits. Here’s a comprehensive guide to help you navigate this process effectively.

1. Academic Qualifications:

Undergraduate Programs: Typically require completion of the West African Senior School Certificate Examination (WASSCE) with a minimum of five credits including English and Mathematics. Some institutions may also require specific subject prerequisites.
Postgraduate Programs: Generally necessitate a bachelor’s degree from a recognized institution with a minimum grade point average (GPA) of 2.5 on a 4.0 scale. Certain programs especially competitive ones, may demand higher GPAs.

2. Language Proficiency:

Proficiency in English is essential. Most Canadian institutions accept standardized test scores such as:

IELTS (International English Language Testing System): A minimum overall band score of 6.0 to 7.0, depending on the program.
TOEFL (Test of English as a Foreign Language): A minimum score ranging from 80 to 100, varying by institution and program.

Some institutions may also accept the Pearson Test of English (PTE) or other recognized English proficiency tests.

3. Financial Capacity:

While scholarships can cover tuition, students must demonstrate the ability to support themselves financially for living expenses. This includes:

Proof of Funds: Bank statements or financial documents showing sufficient funds to cover living expenses, typically around CAD 10,000 per year.
Scholarship Documentation: Official letters confirming scholarship amounts and coverage details.

4. Admission Requirements:

Acceptance Letter: A valid offer of admission from a Designated Learning Institution (DLI) in Canada.
Program-Specific Requirements: Some programs may require additional documents such as portfolios, research proposals or relevant work experience.

5. Health and Character:

Medical Examination: Proof of good health through a medical exam conducted by an approved panel physician.
Police Clearance: A certificate from Nigerian authorities indicating no criminal record.

6. Study Permit Eligibility:

To obtain a study permit, applicants must:

Intent to Leave Canada: Convince immigration officials of the intention to leave Canada upon completion of studies.
No Criminal Record: Provide a police certificate if required.
Good Health: Undergo a medical exam if necessary.
Financial Support: Demonstrate sufficient funds to cover tuition and living expenses.

7. Additional Considerations:

Age Limitations: While there is no specific age limit, applicants should be prepared to explain any significant gaps in their education or work history.
Previous Visa Denials: If previously denied a visa, applicants must provide additional documentation to address the reasons for denial.

It’s crucial to consult the official websites of Canadian institutions and the Immigration, Refugees and Citizenship Canada (IRCC) for the most current and detailed information. Adhering to these eligibility criteria will enhance your chances of a successful application to study in Canada.

Application Process

Applying for a scholarship to relocate from Nigeria to Canada involves a structured process that requires attention to detail, research and preparation. Here’s a step-by-step guide on how to apply:

1. Research Scholarship Opportunities: Begin by researching the various scholarships available for Nigerian students wishing to study in Canada. Look for scholarships offered by Canadian universities, government programs, private organizations and international bodies. Some common scholarship programs include the Vanier Canada Graduate Scholarships, the Canadian Commonwealth Scholarship Program and university-specific scholarships.

2. Review Eligibility Criteria: Each scholarship will have specific eligibility requirements such as academic performance, field of study and sometimes even age or financial need. Carefully review these requirements to ensure you meet all the qualifications before proceeding with your application.

3. Gather Required Documents: Scholarship applications typically require several key documents. These may include:

Academic transcripts and certificates
Letters of recommendation from professors or employers
Proof of language proficiency (e.g., IELTS or TOEFL scores)
A well-crafted personal statement or statement of purpose
CV or resume
Any additional documents specified by the scholarship provider (e.g., proof of financial need, research proposal, etc.)

4. Prepare Your Application: Carefully follow the scholarship application instructions. Ensure that you fill out all the forms correctly and provide all the necessary documents. Some scholarships might ask you to submit your application online while others may require a physical submission. Pay attention to deadlines and submit your application well in advance to avoid last-minute issues.

5. Apply for a Study Permit: Once you’ve secured a scholarship and received your acceptance letter from a Canadian institution, you’ll need to apply for a study permit (student visa). The process involves:

Applying online or at a Canadian embassy/consulate in Nigeria
Submitting necessary documents like your passport, letter of acceptance, proof of financial support (which can include your scholarship award) and other relevant paperwork.

6. Await Confirmation: After submission, wait for confirmation from the scholarship committee and Canadian authorities. If awarded a scholarship, make sure to review all terms and conditions such as coverage, duration and any required maintenance of academic performance.

7. Final Preparations: Once accepted into the scholarship program and granted a study permit, finalize travel plans, arrange accommodation and prepare for your new life in Canada.

By following these steps, you can increase your chances of securing a scholarship to study in Canada and manage the relocation process smoothly.

By taking a strategic approach to budgeting and considering all aspects of the relocation, you can better prepare for the costs associated with your move to Canada. Ensure that you have a solid financial plan that includes scholarship funds, personal savings and potential income from part-time work.

Relocating from Nigeria to Canada on a scholarship is a wonderful opportunity but it requires careful financial planning. The cost analysis provided in this guide will help you understand what expenses to expect and how to budget for them. By taking the time to calculate your costs, research scholarship opportunities and look for additional funding sources, you’ll be better equipped to manage the financial side of your academic journey in Canada.

Frequently Asked Questions

Are there any scholarships in Canada that cover both tuition and living expenses?

Yes, several scholarships in Canada cover both tuition and living expenses. For example, the Vanier Canada Graduate Scholarships offer up to CAD 50,000 per year for doctoral students which covers both tuition and living costs. The Lester B. Pearson International Scholarship at the University of Toronto covers full tuition, books, incidental fees and residence costs for undergraduate students. Similarly, the University of British Columbia’s International Leader of Tomorrow Award provides financial support that includes tuition, living expenses and additional student fees.

Can I apply for multiple scholarships to study in Canada?

Yes, you can apply for multiple scholarships to study in Canada. In fact, many students apply for several scholarships to increase their chances of receiving financial support. However, it’s important to carefully read the terms and conditions of each scholarship, as some may have specific rules about combining awards. For example, some scholarships may reduce their value if you receive another award while others may allow you to stack multiple scholarships. Make sure to understand the scholarship’s terms before submitting applications to avoid any potential conflicts.

How competitive are Canadian scholarships for international students?

Canadian scholarships for international students including those from Nigeria, are highly competitive. Many scholarships such as the Vanier Canada Graduate Scholarships and the Lester B. Pearson International Scholarship, attract top-tier students from all around the world. These scholarships often have rigorous selection processes, requiring applicants to demonstrate not only academic excellence but also leadership abilities, research potential and community involvement. To increase your chances of success, it’s important to present a strong application including a well-crafted personal statement, recommendation letters and a clear plan for your academic and professional future.

What are the common requirements for scholarships in Canada?

Common requirements for scholarships in Canada include academic transcripts, proof of English proficiency (usually IELTS or TOEFL), letters of recommendation and a statement of purpose or personal essay. Some scholarships, particularly those at the graduate level, may also require a research proposal or portfolio, depending on the field of study. Additionally, you may need to provide financial documents to demonstrate your ability to cover living expenses if your scholarship does not cover full funding. The eligibility criteria vary by scholarship, so it’s crucial to carefully review each scholarship’s requirements before applying.

How long does it take to process a scholarship application for Canadian universities?

The processing time for a scholarship application in Canada can vary depending on the scholarship program and the university. On average, it takes between 6 to 12 weeks for scholarship decisions to be made after the application deadline. For some highly competitive scholarships such as the Vanier Canada Graduate Scholarships, the process may take longer. It’s important to apply early and ensure that all necessary documents are submitted well before the deadline to avoid delays. Keep track of deadlines for both scholarship applications and the associated university admissions process to ensure everything is completed on time.