Study permit application refused, I need advice.

[rogerfaster]

Showing none of your own cash and only a loan is the issue. You are 28 with no funds of your own and taking out a $41k loan for a program that could be done online. No reason to come to Canada for AI program. So you should be showing some of your own funds. Don't know how much tuition is but most likely $41k is the minimum required for proof of funds. IRCC usually wants to see much more than the minimum of $21k plus tuition. You cannot include staying with your aunt as "funds".

Staying in Canada is not an option so that is a lot of money and paying it back over 7 years is a long time. Explain how much more money you will make when you return home. Explain why you are taking out such a large loan with no funds of your own for a program at GBC at the age of 28. $550 per month is a lot of money so you must be making a lot of money when you return. Even for Canadian students, $550 per month is a huge amount to owe factoring in living expenses. You don't want to pay more than 10% of your gross salary so that is making 5500 per month or around $31 per hour. In Canada, you will be lucky to work minimum wage in fast food. Don't expect a job in AI so plan for when you return.

How much will your salary be in Uganda per month to pay off $550 per month? You can learn more by looking at the expected salary for your field after graduation.

This program is not a pathway for PR so don't plan on staying.

I would reapply, but only after addressing the exact concern in the refusal. Since the officer focused on your financial situation and whether you would leave Canada, simply submitting the same documents again probably won’t help. I’d provide stronger evidence showing exactly how your tuition and living expenses will be covered, including the Passage loan and your aunt’s accommodation support. I’d also make your ties to Uganda and your plans after completing the AI program much clearer. Explain how the course fits your existing education or career and what you intend to do with the qualification when you return. Ask BorderPass to review the refusal carefully and identify what was weak in the first application. If possible, get a second opinion from a licensed Canadian immigration professional before submitting again.