When you've previously been approved for a study permit by showing a sponsor's (e.g., mother's) bank balance or affidavit, and now have a different funding picture (an approved study loan with partial reimbursement history in your own account), it can be unclear which proof of funds to present for the next step.
Guidance from the group:- Staying consistent with the original proof is the safer choice. If your mother's bank balance/affidavit worked before, presenting the same type of evidence again keeps your financial story consistent across applications.
- Your own account is also acceptable. Showing your study loan along with the reimbursed amounts deposited over the past month and a half is a valid alternative — IRCC does not require the exact same funding source to be repeated.
Either option is workable; the main consideration is presenting clear, verifiable proof of sufficient funds rather than which specific account it comes from.