plz advice reg financial documentation to visa university cat

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hi I am applying for student visa university category from India . my course fee is 37000 dollars and living expenses 10000 dollars.i don't like to pay 1 semester fees. I got a loan approval of 20 lakh and like to show remaining amount by 5 lakhs by fixed deposit. Please can you tell whether it is alright to go with it or not. thank you