Please, I need your advise.

I have a 3rd class degree in Actuarial Science, will be through with NYSC by December. Currently, I'm enrolled with ICSAN and CIPM.

I wish to gain admission for Masters or Diploma in Business Admin related course. Please, which Canadian University can I apply to - that will guarantee admission for January 2023 intake, considering my grades?

All the Uni I found via research asks for a non-refundable application fee, I don't want to waste time nor money, hence this post, to seek guidance from folks with experience.

I await replies. Thank You.