'Took Rs 1.24 cr education loan': F-1 visa denied after Indian student reveals family income to visa officer

An Indian student shared the experience of an F-1 visa denial at the Delhi consulate, at a time when visa officers have become extremely stringent in their approvals. The student, a graduate of 2025, wants to pursue an MS in Computer Science at Columbia University. The interview lasted for only 2-3 minutes and was denied under 214(b) which means the applicant did not sufficiently demonstrate to the consular officer that they qualify for the nonimmigrant visa category they applied for.The student revealed the interview questions and answers and also the red flags that might have resulted in the denial.Q. Why Columbia University?Answer: Columbia has an updated curriculum and a combination of courses across different domains.Q. Who is sponsoring you?The applicant revealed a student loan from an Indian bank of Rs 1.25 crore with parents’ support.Q. What is your parents’ income?Answer: Rs 12LPA.The applicant was also asked about returning to India after the completion of the course. The reply was ‘yes’ and yet the application was denied.As the student shared the experience on Reddit, social media users pointed out that the interview answers were mostly unimpressive and the financial burden stood out as a red flag.Redditors pointed out that a student loan of Rs 1.24 crore is a huge burden and the parental income as claimed fell short compared to that. Others pointed out that the answer about Columbia was also rehearsed and unimpressive.As the applicant sought suggestions for a reattempt at a visa, citing additional financial resources, including parents’ savings of Rs 98 lakh and a Rs 62 lakh Rajasthan government scholarship that has not yet been awarded, social media users said that the visa officer, in fact, saved the student’s life. The student explained that without the scholarship, it would not be possible at all but it was not mentioned on the form as the scholarship is not announced yet“Your visa was denied because an annual parental income of ₹12 LPA is completely inadequate to back a massive ₹1.25 Crore loan, signalling to the officer that you have zero financial cushion and will be forced to work illegally in the US to survive. To fix this, you must secure that ₹62 lakh scholarship and request an updated I-20 from Columbia reflecting the new lower cost, as a new I-20 is absolutely mandatory whenever your funding structure changes. Combined with your parents’ ₹98 lakh net worth, this scholarship brings the remaining loan amount down to a realistic level that your family can actually support, allowing you to easily pass your next interview by demonstrating solid financial stability. There was no chance it was getting approved,” one wrote.Another said that the visa officer saw through the lie that the applicant would go back to India with a loan amount exceeding the net worth of the parents.