Under 18 years 18–35 years 36–40 years 40 years+

PHD Masters Post Graduation Two or more certificates Graduation Diploma 3 years

1 year 2 - 3 years 4 - 5 years 6 years or more

Study visa Work permit Business Immigration Spousal visa Visitor visa Permanent Residency

Excellent (8+ band) Good (7 band) Average (6 band) Poor (5 band) Very Poor (4 band)

Canada Australia USA