There’s no way Canada will accept a guy who only has a “clothes on his back” to study in Canada. Gemini gave me at least CAD 16,000 per year. Minimum wage in Salvador is around 6,600 CAD, so his payment to college alone is close to triple wage on his own native country. He said he got a loan, but there is no way a huge loan is given without collateral. That said, this guy (if true) is a rich guy in El Salvador. If you can get a loan 12 times your annual income (assuming college is 4 years) your assets must be significant.