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‘Took Rs 1.24 cr schooling mortgage’: F-1 visa denied after Indian scholar reveals household earnings to visa officer

by Vegas Valley News
June 26, 2026
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‘Took Rs 1.24 cr schooling mortgage’: F-1 visa denied after Indian scholar reveals household earnings to visa officer
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'Took Rs 1.24 cr education loan': F-1 visa denied after Indian student reveals family income to visa officer
Indian scholar shares F-1 scholar visa rejection expertise.

An Indian scholar shared the expertise of an F-1 visa denial on the Delhi consulate, at a time when visa officers have turn into extraordinarily stringent of their approvals. The scholar, a graduate of 2025, desires to pursue an MS in Laptop Science at Columbia College. The interview lasted for under 2-3 minutes and was denied below 214(b) which implies the applicant didn’t sufficiently show to the consular officer that they qualify for the nonimmigrant visa class they utilized for.The scholar revealed the interview questions and solutions and likewise the pink flags that may have resulted within the denial.Q. Why Columbia College?Reply: Columbia has an up to date curriculum and a mix of programs throughout completely different domains.Q. Who’s sponsoring you?The applicant revealed a scholar mortgage from an Indian financial institution of Rs 1.25 crore with mother and father’ help.Q. What’s your mother and father’ earnings?Reply: Rs 12LPA.The applicant was additionally requested about returning to India after the completion of the course. The reply was ‘sure’ and but the appliance was denied.As the coed shared the expertise on Reddit, social media customers identified that the interview solutions have been largely unimpressive and the monetary burden stood out as a pink flag.Redditors identified {that a} scholar mortgage of Rs 1.24 crore is a large burden and the parental earnings as claimed fell quick in comparison with that. Others identified that the reply about Columbia was additionally rehearsed and unimpressive.Because the applicant sought solutions for a reattempt at a visa, citing extra monetary assets, together with mother and father’ financial savings of Rs 98 lakh and a Rs 62 lakh Rajasthan authorities scholarship that has not but been awarded, social media customers stated that the visa officer, the truth is, saved the coed’s life. The scholar defined that with out the scholarship, it might not be potential in any respect but it surely was not talked about on the shape because the scholarship shouldn’t be introduced but“Your visa was denied as a result of an annual parental earnings of ₹12 LPA is totally insufficient to again an enormous ₹1.25 Crore mortgage, signalling to the officer that you’ve zero monetary cushion and might be pressured to work illegally within the US to outlive. To repair this, you will need to safe that ₹62 lakh scholarship and request an up to date I-20 from Columbia reflecting the brand new decrease value, as a brand new I-20 is totally obligatory each time your funding construction modifications. Mixed along with your mother and father’ ₹98 lakh web price, this scholarship brings the remaining mortgage quantity all the way down to a sensible stage that your loved ones can really help, permitting you to simply move your subsequent interview by demonstrating strong monetary stability. There was no likelihood it was getting authorised,” one wrote.One other stated that the visa officer noticed by means of the lie that the applicant would return to India with a mortgage quantity exceeding the online price of the mother and father.

Tags: deniededucationFamilyIncomeIndianloanOfficerrevealsstudentVISA
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