Unlock up to 70% off your tech course fees
Singapore offers a range of government subsidies to make lifelong learning accessible. At Heicoders Academy, we help you navigate and maximise these funds—from SkillsFuture and SSG to PSEA and UTAP—so you can focus on learning, not costs.
How course fees actually get reduced
Most Singaporeans don't pay full price. They stack subsidies to significantly lower their out-of-pocket costs with Heicoders Academy.
Full course fee
Original course price before subsidies
SSG/IBF subsidy applied
Up to 70% OFF
SkillsFuture Credit used
Further offsets fees
Remaining fee
Balance after subsidies and credits
UTAP/PSEA
(Further offsets fees, if eligible)
YOUR FINAL COST
After subsidies and credits!
Real Example · GA100
See what you’d actually pay
GA100: Generative AI for Automation and Productivity. Full fee S$1,798.50 including GST. Here’s how subsidies bring it down for each group.
- MID-CAREER
Singaporeans aged 40 and above
Course fee (incl. GST)S$1,798.50SSG subsidy (70%)– S$1,155.00Remaining after SSGS$643.50SkillsFuture Credits used– S$500.00You payS$143.50 - YOUNG PROFESSIONALS
Singaporeans aged 25 to 39
Course fee (incl. GST)S$1,798.50SSG subsidy (50%)– S$825.00Remaining after SSGS$973.50SkillsFuture Credits used– S$500.00You payS$473.50 - PR
Permanent Residents
Course fee (incl. GST)S$1,798.50SSG subsidy (50%)– S$825.00SkillsFuture Credits are for Singapore Citizens only.
You payS$973.50
Examples assume S$500 of SkillsFuture Credits. SSG subsidy is calculated on the fee before GST. Your exact amount is confirmed when you apply.
All subsidies
Find the Singapore course fee subsidies that fit you
Compare SkillsFuture Credit, SSG funding, PSEA, IBF-STS, NTUC UTAP, SFEC and EIS: who's eligible, how much you get and how to claim. Most learners can stack two or more.
Subsidies for individuals
5 schemes
SkillsFuture Singapore (SSG) funding
Singapore Citizens and PRs
Up to 70% of course fees. 70% for Citizens aged 40+, 50% for Citizens 25–39 and PRs.
Taken off your invoice
View details for SkillsFuture Singapore (SSG) funding
SkillsFuture Credits
Singapore Citizens aged 25+
Use your credit balance on the remaining fees.
When you pay, via MySkillsFuture
View details for SkillsFuture Credits
Post-Secondary Education Account (PSEA)
Singapore Citizens aged 16 to 30 with a PSEA
Pay your remaining fees from your PSEA, with little or no cash upfront.
Submit a PSEA withdrawal form. MOE pays us directly
View details for Post-Secondary Education Account (PSEA)
NTUC UTAP
NTUC union members
50% of remaining fees, up to your annual cap. Plus 50% back on approved AI tools.
After the course, on the UTAP portal
View details for NTUC UTAP
IBF Standards Training Scheme (IBF-STS)
Singapore Citizens and PRs aged 16+, on IBF-STS courses
Up to 70% of course fees (70% for Citizens 40+, 50% for others), capped at S$3,000 per course.
Pay the nett fee. We claim from IBF after you pass the assessment
View details for IBF Standards Training Scheme (IBF-STS)
Subsidies for companies
2 schemes
SkillsFuture Enterprise Credit (SFEC)
Employers notified by Enterprise Singapore
One-off S$10,000 credit to offset up to 90% of out-of-pocket training costs.
After training, on the Enterprise Portal for Jobs & Skills
View details for SkillsFuture Enterprise Credit (SFEC)
Enterprise Innovation Scheme (EIS)
Singapore-registered businesses
400% tax deduction or 20% cash payout on qualifying training costs.
At annual tax filing, with IRAS
View details for Enterprise Innovation Scheme (EIS)
See how real learners maximised their subsidies
Real stories from real learners who made the most of available funding.
"I used my SkillsFuture Credit to enrol in AI100, and the real-world business examples made it easy to apply what I learned at work."
Utilised with SkillsFuture Credit for AI100
"I started with AI100 using my SkillsFuture Credit and went on to complete AI200 back-to-back. The structured learning, hands-on assignments, and passionate instructors made the journey into Python and machine learning clear and practical."
Upskilled with SkillsFuture Credit for AI100 and AI200
"I used my SkillsFuture Credit and topped up for this course, but I would honestly pay full price. The lessons were cutting-edge, relevant, and genuinely enjoyable."
Upskilled with SkillsFuture Credit for GA100
"I used my SkillsFuture Credit to enrol in AI100, and the real-world business examples made it easy to apply what I learned at work."
Utilised with SkillsFuture Credit for AI100
"I started with AI100 using my SkillsFuture Credit and went on to complete AI200 back-to-back. The structured learning, hands-on assignments, and passionate instructors made the journey into Python and machine learning clear and practical."
Upskilled with SkillsFuture Credit for AI100 and AI200
"I used my SkillsFuture Credit and topped up for this course, but I would honestly pay full price. The lessons were cutting-edge, relevant, and genuinely enjoyable."
Upskilled with SkillsFuture Credit for GA100
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