Guide to Maximising Workforce Skills Qualifications Course Funding & SkillsFuture Credits in Singapore (2025)

Why This Guide Matters (& How To Use It) 

Upskilling can seem costly—until you combine WSQ subsidies with SkillsFuture Credit in the right way. In 2025, the government offers the strongest support ever for lifelong learning allowing many Singaporeans to cut out-of-pocket expenses to almost nothing for certain WSQ courses. 

Combine WSQ subsidies (up to 70% or 90% MCES) with your SkillsFuture Credits (initial $500, 2020 $500 boost, plus $4,000 Mid-Career Support Credit for those 40 and older) to minimize or remove course fees. 

WSQ In A Nutshell (What It Is & Why It Matters) 

WSQ (Workforce Skills Qualifications) serves as Singapore’s national, competency-based training and credentialing system that focuses on practical, work-ready skills. The courses align with job roles and current industry needs ensuring that learning time leads to actual work improvements. 

Who Benefits Most? 

• Recent graduates building a portfolio of job-ready skills 

• Career changers in their 30s–40s 

• People coming back to work after a break 

• Employed individuals staying up-to-date with digital, HR, or AI skills 

Funding At A Glance: What You Can Use in 2025 

Come 2025, Singapore Citizens/PRs can get up to 70% WSQ subsidies, while those 40+ can receive up to 90% through MCES then apply SkillsFuture Credits to pay the rest. 

A. WSQ Subsidies (Tuition Fee Support) 

• Eligible Singapore Citizens (SC) and Permanent Residents (PR) can receive up to 70% subsidy on approved WSQ courses. 

• Singapore Citizens aged 40 and above can get up to 90% Mid-Career Enhanced Subsidy (MCES). 

B. SkillsFuture Credit (Your Personal Credits) 

• Opening credit: $500 for Singaporeans 25 and older. 

• 2020 top-up: Extra $500 good through December 31, 2025. 

• Mid-Career Support Credit: $4,000 (starting May 2024) for Singaporeans 40 and older. 

WSQ subsidy lowers the course fee first. You then use SkillsFuture Credits on what’s left after the subsidy. Result: You often pay little to nothing in cash. 

How Funding & Credits Work Together 

Item	What It Is	Who’s Eligible	When It Applies	What It Covers
WSQ Subsidy	Government fee subsidy on approved WSQ courses	SC/PR (higher for SC age 40+)	Applied by ATO to the course fee	Reduces tuition at source
SkillsFuture Credit	Individual training credit	SC aged 25+ (plus top-ups where applicable)	Claimed by learner via MySkillsFuture	Offsets remaining post-subsidy fee
MCES (90%)	Enhanced subsidy for mid-career	SC aged 40+	Applied by ATO to the course fee	Larger reduction before credits
UTAP / PSEA / SFEC	Additional schemes (case-by-case)	Eligible union members / youths / employers	After/alongside the above	Can further reduce the remainder

Eligibility—Quick Checks

You can get WSQ subsidies if you’re a Singapore citizen or permanent resident signing up for an approved WSQ course with an Approved Training Organisation (ATO) like Info-Tech Academy. If you’re a Singaporean aged 40 or older, you might qualify for MCES (up to 90%). 

You can use SkillsFuture Credit if you’re a Singaporean aged 25 or older with money left in your account (including the 2020 $500 top-up you can use until December 31, 2025) and, if it applies to you, the $4,000 Mid-Career Support Credit (starting from May 2024). 

To save the most money, sign up for a WSQ course run by ATO, use 70–90% subsidies then apply SkillsFuture Credits to pay the rest. 

How To Get Most Funding In 4 Steps (& Avoid Getting Turned Down) 

Step 1 — Pick A Course That’s Worth It (Skills That Pay Off) 

Focus on skills you can use right away that are in high demand: 

• HR track: WSQ Human Resource courses (payroll, following MOM rules HRMS). 

• Office & operations: WSQ Essential Office Skills (getting more done with digital tools). 

• AI & digital: WSQ AI for Productivity / Generative AI for work. 

(Internal link prompts: link each to your Info-Tech Academy course pages.) 

Step 2 — Sign Up With An ATO (Funding Relies On This) 

Choose an SSG-approved ATO such as Info-Tech Academy to make sure your course has WSQ accreditation and qualifies for funding. Courses without WSQ certification might not be eligible for subsidies. 

Step 3 — Combine Funding In A Clever Way 

• We submit WSQ/MCES (as the ATO, we take care of the paperwork). 

• You use SkillsFuture Credit through MySkillsFuture to cover the remaining cost. 

• If you qualify, include UTAP/PSEA/SFEC to lower the price even more. 

Step 4 — Make Sure You Meet Funding Requirements 

• Show up for at least 75% of classes 

• Score well on tests 

• Get your claims in on time (before class starts for SFC) 

Common Claim Mistakes (& Simple Solutions) 

• Turning in SkillsFuture Credit too late → Put a reminder in your calendar and submit before your class begins. 

• Thinking every course qualifies → Check that the course has WSQ approval and an ATO teaches it. 

• Skipping too many classes → If you miss more than 25%, you might lose your funding. 

• Not taking tests → Most programs need you to pass to get or keep support. 

Quick Checklist: 

ATO? ✔ WSQ-accredited? ✔ Funding windows met? ✔ Attendance met? ✔ Assessment passed? ✔ 

“Near-Zero” Fee Approach—How Students Combine Support 

1. Choose a WSQ course funded by SSG (like HR, Office Skills, or AI). 

2. If you’re a Singaporean Citizen aged 40 or above, your MCES can cut down most of the fees (as much as 90%). 

3. Apply your SkillsFuture Credit (initial amount plus 2020 bonus; and $4,000 Mid-Career Support Credit if you qualify). 

4. Cover any small remaining balance with UTAP/PSEA/SFEC. 

Many students end up paying very little or nothing from their own pockets—for brief, skills-focused WSQ modules. 

Create A Learning Pathway (Build Up Your Credentials) 

The WSQ framework allows you to “stack” from Statements of Attainment (SOAs) to full qualifications (such as diplomas). You might follow this basic path: 

• AI Tools for Business Tasks  

• Digital Workplace Productivity  

• WSQ Diploma in Business Management 

This approach builds your career value and helps you spread your funding across several courses. 

(Internal link prompts: link to your diploma/advanced pathways page; link to a “how to stack WSQ credentials” blog.) 

How An ATO Like Info-Tech Academy Simplifies This Process

• Courses eligible for funding that you can put to use at work (HR, Office Skills AI). 

• Complete admin help with WSQ/MCES/UTAP/SFEC/SFC claims and schedules. 

• Trainers who work in the field, not just teach—so you pick up skills you can use right away. 

• Supported by Info-Tech Systems Ltd (listed on the stock market), with deep know-how in HRMS, payroll, and digital change. 

Not sure which plan fits you? Tell us what you want to achieve—we’ll find the funding and plan out the course for you. 

Example Decision Guide (Choose Your Path) 

Goal	Course You’ll Feel Immediately	Typical Outcome
Streamline HR & payroll	WSQ Human Resource Course	Confidence with HRMS, MOM compliance, payroll accuracy
Be indispensable in admin/ops	WSQ Essential Office Skills Course	Faster spreadsheets, docs, automation, better reporting
Work smarter with AI	WSQ AI Course for Productivity / GenAI for Work	Prompting, automation, summarisation, Faster SOPs

Sign-Up Basics (What To Do Now) 

• Pick a WSQ course on the Info-Tech Academy website. 

• Check with our advisors if you qualify (WSQ/MCES/UTAP/PSEA/SFEC). 

• We handle subsidies; you send in SFC through MySkillsFuture. 

• Show up for at least 75%, pass tests, get your WSQ SOA. 

To Wrap Up: Be Smart About Yyour Learning Investment 

WSQ funding and SkillsFuture Credits are more than nice extras—they serve as practical tools to keep your skills sharp without hurting your wallet. If you’ve been holding onto your credits or aren’t sure which course suits you, it’s time to take action—since 2020 top-up credits will expire on December 31, 2025. 

Info-Tech Academy Can Help You: 

• Choose the right course, 

• Combine the right funding, and 

• End up with sought-after, job-ready skills. 

Begin small, but begin today. Check out our WSQ courses or get in touch—our team will assist you to sign up, request funding, and map out your next qualification.