studywaka
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Rules checked 14 Oct 2026· built for Nigerian students

Your study-abroad plan, in naira.

StudyWaka is an AI admissions agent for Nigerian students. It matches you to countries you can actually afford, works out the proof of funds each visa needs, and plans every step from transcripts to travel.

What changed this year

Four rule changes that decide where Nigerian students can go in 2027. The agent already knows every one of them.

Since 1 Jan 2026

US student visas paused

New F, M and J visas are suspended for Nigerian passports. Existing valid visas still work.

June 2026 · 30 Nov 2026

UK checks get stricter

Universities must keep visa refusals under 5%. Required living funds rise to £1,203–£1,570 a month for applications from 30 Nov.

From 1 Sept 2026

Canada raises proof of funds

CA$23,448 for one person, plus tuition and travel. Master's and PhD applicants no longer need a PAL.

From 1 Jan 2027

UK Graduate Route shrinks

18 months to work after a bachelor's or master's, down from 2 years. PhD graduates keep 3 years.

How it works

Three steps, in the order you'll actually take them.

Step 1

Tell it about you

Your grades, course, start date, budget in naira and who's paying. Two minutes, saved to your free account.

Step 2

See what you can afford

Eight countries ranked for you, with year-one cost and the exact amount each visa wants you to show.

Step 3

Follow your plan

A month-by-month timeline back from your start date, a document checklist, and help with your statement of purpose.

One agent, six tools

Ask in plain language, or open the tool you need.

Admissions agent

Answers from rules checked on a stated date, and says so when it isn't sure.

Country and university matches

Eight countries and about 80 named universities and colleges, scored for your budget, grades and field.

Proof of funds

What to show, how long it must sit, at the parallel or CBN rate.

Plan and checklist

From transcript requests and NYSC papers to TB tests and blocked accounts.

Applications tracker

Every course from shortlist to visa, with deadlines counting down.

Interview practice

A mock UK credibility, embassy or scholarship interview, answered out loud or in text, then honest scores.

Statement of purpose

Drafts from your notes and critiques your draft, without inventing facts.
Country matchesExample: MSc, ₦45m budget, Sept 2027

Scores and naira costs are worked out live from the example profile.

Eight countries, current status

The destinations Nigerian students ask about most, each with its proof-of-funds rule and a full guide.

What we stand by

Honest numbers

Costs in naira at today's rate, with the visa minimum kept apart from what year one really costs.

Dated, sourced rules

Every rule carries the date it was checked and a link to where it came from.

Private by default

Your chats stay on your device unless you choose to share one. We never sell your data or show you ads.

No fake funds, ever

The agent won't help with borrowed balances or edited statements. It shows you legal routes instead.

Questions

How much does it cost?

Planning is free: country and university matches, guides, proof of funds, your plan and the applications tracker. The AI agent, mock interviews and statement help use credits. You start with 1,500 free credits, then packs start at ₦2,000, and you can earn more by inviting friends. See Pricing.

Is StudyWaka a study-abroad agency?

No. It's a planning tool with an AI agent. It doesn't apply on your behalf, represent universities or sell visa services. You apply directly to universities and embassies.

Do I need an account?

You can explore matches, guides, proof of funds and your plan as a guest. Create a free account to use the AI agent, mock interviews and statement help, keep your plan on every device, buy credits and invite friends. You get 1,500 free credits when you confirm your email.

Where does my information go?

Your account and plan are stored securely on StudyWaka's servers so they work on any device. Your chats stay on your device. When you ask the agent something, your question and a summary of your profile go to Manus's managed AI service to process the request for StudyWaka. See the Privacy Policy.

Can it guarantee admission or a visa?

No one can. Universities and embassies decide. Be wary of anyone who promises a guaranteed visa for a fee.

How current are the rules?

They were checked on 14 October 2026 and each carries its source. Rules and exchange rates change, so confirm on the official site before you pay or apply.

Does it recommend specific universities?

Yes. University matches ranks about 80 named universities and colleges in your best-fit countries for your level, field, grades and budget, and you can shortlist them straight into your tracker. Fees shown are typical for each type of institution, so always confirm the course fee, entry requirements and deadline on the university's own page.

Can it help me prepare for a visa or credibility interview?

Yes. Interview practice runs a mock UK credibility interview, German embassy interview, admissions or scholarship interview using your profile, one question at a time. At the end it scores your answers and shows stronger versions built only from your real facts. You can answer out loud: it turns your speech into text as you talk and measures your pace and filler words.

Why is the US marked as paused?

Since 1 January 2026 the US has suspended new student and exchange visas for Nigerian nationals. Students who already hold a valid visa, and dual nationals applying on another passport, are not affected.

Start with your budget.

See which countries fit before you spend a kobo on application fees.

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About StudyWaka

Studying abroad shouldn't start with guesswork.

We built StudyWaka so a Nigerian student can see, in naira and in one sitting, where they can afford to study, what the visa wants to see, and what to do this month.

Eight countries, one plan

Each destination has a full guide: year-one costs in naira, what the visa wants to see, and what has changed for Nigerian applicants.

Why we built it

Planning to study abroad from Nigeria means juggling moving parts at once: a naira that moves daily, visa rules that changed several times in 2026, proof-of-funds amounts in four currencies, and transcripts that take months to come out of a registry.

Most students piece this together from forum threads, WhatsApp forwards and agents who charge before they explain. Some are pushed towards "funds for display" schemes that end in refusals and bans.

StudyWaka puts the current rules, the arithmetic and the plan in one place, and an AI agent that can explain them for your situation.

What it does, and what it doesn't

It does

  • Rank eight countries for your grades, budget and family
  • Work out proof of funds and year-one cost in naira
  • Build a timeline and document checklist
  • Track your applications and deadlines
  • Run practice credibility, embassy and scholarship interviews
  • Help draft and critique your statement of purpose
  • Tell you when it isn't sure, and where to check

It doesn't

  • Apply to universities or embassies for you
  • Promise admission, visas or scholarships
  • Take commissions to steer you to a university
  • Help with borrowed funds or edited documents
  • Keep your chat text on our servers unless you choose to share it

StudyWaka is a planning tool, not a recruitment agency. If our business model changes, these pages will say so.

How we keep it accurate

Every visa rule, fee and funds figure in the agent's knowledge base carries the date it was checked and a source. The current set was checked on 14 October 2026. Exchange rates use the published CBN rate and the Lagos parallel-market rate, and you choose which one to plan with.

The agent is told to use only those facts for rules and money, to say when something isn't covered, and to point you to the official source. AI can still make mistakes, so confirm anything important before you pay or apply.

Who's behind it

StudyWaka is built in Lagos by ATAfrica, a venture studio that builds AI-first products for Nigerian users.

Contact

Questions, corrections or partnership ideas: [hello@studywaka.com]. If you spot a rule that has changed, tell us and we'll update it with the new date and source.

See where you can go.

Start planning

Privacy Policy

Last updated 15 October 2026

Draft for legal review. Highlighted items are details the operator must fill in before launch.

In short. We keep your account and your planner on our servers so they work on any device. Your chats with the agent stay on your device unless you choose to share one with us. AI answers use Manus's managed AI service to process requests for StudyWaka. Payments go through Paystack. We don't sell your data or show you ads.

1. Who we are

StudyWaka is operated by [registered company name], RC [number], of [registered address], Lagos, Nigeria ("we", "us"). We are the data controller under the Nigeria Data Protection Act 2023 (NDPA). Our data protection contact is [name, privacy@studywaka.com].

2. Information we collect

  • Your account: your name, email, an optional phone number, and your password, which we store only as a salted, peppered hash that can't be turned back into the password.
  • Your planner: the profile you fill in (course, level, start date, qualifications, grades, English results, work experience, budget, who is paying, dependants, any past visa refusal and any second nationality), your checklist, proof-of-funds inputs, applications tracker, statement-of-purpose notes and drafts, and practice-interview answers.
  • Credits and payments: your credit balance and history, the packs you buy, and payment references and status from Paystack. Paystack handles your card or bank details; we never see or store them. Paystack gives us a card "signature" (a fingerprint, not the card number), which we use only to stop referral abuse.
  • Referrals: your invite code, any friend's code you added, and which friends joined with your code (you see their first names only).
  • Agent chats: the text stays on your device. For each chat we keep counts and labels on our servers (number of questions, credits used, a topic such as "Visa" or "Funds", a country, and a flag when the agent declined a request), never the text, unless you choose Share this chat with StudyWaka, which you can undo at any time.
  • Security and activity: sign-in times, a random identifier for your browser, the browser type and approximate location (city and country) of new sign-ins, and a log of account activity such as purchases and AI requests.

Some of this is sensitive, such as financial details and visa history. Only enter what you're comfortable with. Every planner field is optional.

3. How we use it

  • To run your account and planner and keep them in step across your devices (to provide the service you asked for).
  • To answer your questions with the agent, the statement writer and interview practice (to provide the service).
  • To sell credits, keep financial records, prevent fraud and abuse, and keep StudyWaka secure (contract, legal obligation and our legitimate interests).
  • To send account emails: confirmation codes, password resets, security alerts, receipts, low-credit notices, referral rewards, and reminders for deadlines you saved in your tracker (to provide the service).
  • To send tips and offers, only if you ticked the box. Untick it in Profile, or use the unsubscribe link in any of those emails (consent).

4. When you use the AI features

The agent, interview practice and statement writer use Manus's managed AI service. You do not need your own model-provider account or API key. When you send a question, answer an interview question or ask for a draft, StudyWaka sends your message, relevant earlier messages, a summary of your profile and tracked applications, and the page's country facts to the AI service. Processing may take place outside Nigeria. Do not include passwords, card details, or sensitive information that is unnecessary for your request.

5. Who else processes your data

  • Manus hosts StudyWaka and its managed database and provides the AI integration.
  • Resend sends transactional account emails.
  • Paystack processes payments under its own privacy policy.
  • Marketing emails, only if you opted in, are sent by [name of marketing email provider].
  • Voice answers. If you answer out loud in Interview practice, your browser's own speech service turns your speech into text (for example Google's in Chrome, Microsoft's in Edge, Apple's in Safari) under that company's privacy policy. StudyWaka never receives or stores the audio; only the text you send, with its length, pace and filler count, is saved with your interview.
  • Sharing your invite. If you share your invite through WhatsApp, X, Telegram or your phone's share menu, that service receives the message under its own privacy policy.
  • Cookies. We use two essential cookies: one keeps you signed in and one recognises your browser for security alerts. There are no advertising or analytics cookies. Your browser's local storage keeps your chats and a copy of your plan.
  • Links. We link to government, university and news sites. Their own privacy policies apply when you visit them.

Some of these providers process data outside Nigeria. We rely on their contractual safeguards for those transfers, as the NDPA allows.

6. Your rights

Under the NDPA you have the right to be informed, to access and correct your data, to have it erased, to restrict or object to processing, to data portability, and to withdraw consent. You can do most of this yourself:

  • Access and portability: Profile → Download my data.
  • Correction: edit any field in Profile.
  • Erasure: delete single chats from the sidebar, use Profile → Delete my plan and chats, or Profile → Delete my account.
  • Marketing: untick the box in Profile, or use the unsubscribe link in any marketing email.

For anything else, email us at the address below. You can also complain to the Nigeria Data Protection Commission (NDPC).

7. Students under 18

If you're under 18, use StudyWaka with a parent or guardian, and have them agree before you create an account or use the AI features.

8. Security and retention

Data is encrypted in transit and at rest. Passwords are hashed, sessions expire, and staff access is limited and logged. We keep your data while your account is open. When you delete your account we erase your name, email, phone number, password and planner straight away. We keep payment and credit records for [6 years] because tax law requires it, linked only to an anonymous ID. Security logs are kept for [12 months].

9. Changes

If we change how StudyWaka handles information, we'll update this policy and its date and, for significant changes, email you before they take effect.

10. Contact

Email [privacy@studywaka.com] or write to [registered address].

Terms of Use

Last updated 15 October 2026

Draft for legal review. Highlighted items are details the operator must fill in before launch.

These terms apply when you use StudyWaka, operated by [registered company name], RC [number] ("we", "us"). By using StudyWaka you agree to them. If you don't agree, don't use it.

1. What StudyWaka is

StudyWaka is an information and planning tool for students considering study abroad. It includes an AI agent, a country matcher, a proof-of-funds calculator, a planner and a statement-of-purpose helper.

We are not a study-abroad agency, a law firm, a licensed immigration adviser, or a representative of any university or government. We aren't affiliated with the governments, universities or scholarship bodies named in the app.

2. Who can use it

You must be 18 or older, or use StudyWaka with the consent and supervision of a parent or guardian.

3. Your account

You need a free account to use the AI features and to buy credits. Give accurate details, keep your password private, and tell us at once if you think someone else has used your account. One account per person: we may suspend accounts used for abuse, such as repeat accounts for free credits or self-referrals.

The AI features run through StudyWaka's Manus-managed AI service. You do not need your own model-provider account or API key.

4. Acceptable use

You agree not to use StudyWaka to:

  • Create, alter or plan false documents, including bank statements, sponsorship letters, certificates or transcripts
  • Arrange borrowed or temporary "funds for display", or otherwise mislead a university, embassy or immigration authority
  • Hide or misstate a previous visa refusal or any other required fact
  • Break any law, or infringe anyone's rights
  • Disrupt, copy at scale or reverse-engineer the service

5. AI answers and estimates

Answers come from an AI model and may be wrong, incomplete or out of date. Rules shown were checked on the date stated and can change without notice. Costs are estimates built from typical tuition ranges and published exchange rates, and match scores are a guide, not a prediction. Check anything important with the official source, your university or a qualified adviser. You are responsible for your applications and decisions.

6. Credits and payments

New users get 1,500 free credits. The AI agent, interview practice and the statement writer use credits, and each answer shows how many it used. Usage is metered from the length of your request and the answer, so similar requests can use different amounts.

  • Packs are priced in naira, including VAT at 7.5% [confirm VAT registration], and paid through Paystack.
  • Before each AI request we set aside enough credits to cover it, then charge only what it used. If a request fails or the agent declines it, it's free. If you stop an answer early, you pay for the part you received.
  • Credits don't expire while your account is open. Free credits can be withdrawn if they're abused, for example by creating repeat accounts.
  • Credits have no cash value and can't be transferred or exchanged.
  • [Refund policy for unused paid credits]

Referrals. You can invite friends with your code or link.

  • A friend who adds your code before their first pack gets 20% extra credits on that pack. Each person can add one code, once.
  • You get 1,500 credits for each friend whose first pack payment goes through and isn't refunded or reversed within 7 days, for up to 20 friends in any 12 months.
  • There are no rewards for your own repeat accounts, for spam, or for payments that are refunded or reversed. We can remove referral credits obtained that way.
  • Referral credits follow the same rules as other credits and have no cash value.
  • We may change or end the programme. Rewards you've already earned stay in your balance.

7. Your content and ours

What you write, including statements of purpose, stays yours. The StudyWaka name, design and written content belong to us. You may use them for your own applications, not to build a competing service.

Links to third-party sites are for convenience. We aren't responsible for their content or practices.

9. Disclaimers and liability

StudyWaka is provided "as is" and "as available", without warranties of any kind, to the extent the law allows. We are not liable for admission decisions, visa refusals, missed deadlines, lost fees, exchange-rate movements, or any loss from relying on the service, except where Nigerian law doesn't allow this to be excluded. Nothing in these terms limits liability for fraud or anything else that can't legally be limited.

10. Changes and availability

We may change or pause StudyWaka, or update these terms. We'll update the date above when we do. Continuing to use it after a change means you accept the updated terms.

11. Governing law and disputes

These terms are governed by the laws of the Federal Republic of Nigeria. We'll try to settle any dispute informally first. If that fails, the courts of Lagos State have jurisdiction.

12. Contact

[legal@studywaka.com], [registered address].

Disclaimer

Last updated 14 October 2026

Not immigration, legal or financial advice

StudyWaka gives general information and planning help. It is not immigration, legal or financial advice, and using it doesn't create an adviser relationship. For advice on your specific case, speak to a qualified, regulated adviser.

No guarantees

Universities, embassies and scholarship bodies make their own decisions. We can't guarantee admission, a visa, a scholarship or any outcome.

Rules, rates and estimates

  • Visa rules and fees were checked on 14 October 2026 and change often.
  • Naira figures use the CBN official rate or the Lagos parallel-market rate published for that date. Your bank's rate will differ.
  • Tuition is a typical range for the level, not a quote. Check each course page.
  • Match scores are a simple guide built from budget, grades, family and work rights. They aren't predictions.
  • The AI agent can make mistakes, including about rules it has been given.

Check with official sources

Protect yourself from scams

No one can sell you a guaranteed visa. Be wary of anyone offering "funds for display", ready-made bank statements or "connections" at an embassy. Deception can lead to refusal and long bans; the UK, for example, can refuse future applications for up to 10 years. StudyWaka will never ask you for money to influence a decision.

Sources behind the agent's rules

    1,500 free credits· no card needed

    Plan for free.
    Pay only for AI help.

    Matches, guides, proof of funds, your plan and your tracker cost nothing. The agent, mock interviews and statement help use credits, and every answer shows what it used.

    Always free

    • Country and university matches
    • Proof of funds and savings plan
    • Plan, checklist and applications tracker
    • Country guides

    Uses credits

    • An agent answer: about 200 credits
    • A mock interview with feedback: about 150 credits
    • An SOP draft, critique or trim: about 170 credits
    • Longer questions and answers use more
    What is a credit?

    Credits pay for the AI work: the agent's answers, mock interviews and statement drafts. The number used depends on how long your question, your profile summary and the answer are. Each answer shows exactly what it used.

    Do credits expire?

    No. Credits stay on your account while it's open, so unused credits carry over to your next application season.

    How do I pay?

    With a Nigerian card, bank transfer or USSD through Paystack. You pay on Paystack's secure page; StudyWaka never sees your card details. Credits appear as soon as the payment goes through.

    Can I earn free credits?

    Yes. Open Invite friends in the app and share your code. Friends get 20% extra credits on their first pack, and you get 1,500 credits for each friend who buys one, up to 20 friends a year.

    Can I get a refund?

    [Refund policy for unused paid credits]

    Country guides

    Where Nigerians can study for 2027.

    Eight destinations, with year-one costs in naira, what each visa wants to see, and what has changed for Nigerian applicants. Rules checked 14 Oct 2026.

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    Free to start. Your credits, purchases and invites stay with your account.

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