Thank you very much for the question.
That question is hard to answer, because it really depends on the occupation. For something like a physician, it might take longer and be more expensive to get their credentials recognized. It depends on so many factors, such as whether they have the right paperwork, how quickly the person wants to process it, how responsive they are, and then all the other administrative barriers.
The loans we offer are up to $15,000 to help offset some of those costs. There are costs associated with things like taking exams. As well, they're often new to Canada, and they might not have the revenue or they might feel very forced to try to get any job to help offset some of these costs. That's part of why we offer the loans. It's so that we can support them to get their credentials recognized and work in their field of study.