Singapore SkillsFuture Course Funding Guide: How to Use Your Credits

SkillsFuture is a Singapore national movement to provide Singaporeans with opportunities to develop their potential throughout life. The cornerstone of this program is SkillsFuture Credit — a government-funded credit that every Singaporean aged 25 and above can use to pay for approved SkillsFuture courses.

What Is SkillsFuture Credit

SkillsFuture Credit is a credit provided by the Singapore government to encourage lifelong learning. You can use it to pay for a wide range of approved courses offered by over 1,000 training providers.

Credit Amount

Current status (2025):

• Opening credit: $500 (one-time, for all Singaporeans aged 25+)
• Additional $500 top-up was provided in 2020 (for Singaporeans aged 25-60)
• Mid-Career Enhanced Subsidy: Singaporeans aged 40+ receive up to 90% course fee subsidies (on top of SkillsFuture Credit)

Note: Credits do not expire as long as the SkillsFuture program exists. Unused credits carry forward.

Eligible Courses

SkillsFuture Credit can be used for courses offered by approved training providers. Categories include:
How to check if a course is eligible:

1. Visit skillsfuture.gov.sg
2. Use the course search tool
3. Look for the "SkillsFuture Credit Eligible" tag
4. Check the course provider's SkillsFuture registration

How to Use Your SkillsFuture Credit

Step 1: Check Your Credit Balance

1. Log in to myskillsfuture.gov.sg using your Singpass
2. Navigate to "SkillsFuture Credit" section
3. Check your available balance and credit history

Step 2: Find an Eligible Course

1. Visit skillsfuture.gov.sg
2. Search for courses by category, skill area, or provider
3. Check course fees, duration, and SkillsFuture Credit eligibility
4. Read course reviews and provider ratings

Step 3: Register for the Course

1. Contact the training provider or register through their website
2. Inform them you want to use SkillsFuture Credit
3. Provide your NRIC and credit amount
4. The training provider will submit the claim to SkillsFuture

Step 4: Claim Submission

The training provider typically handles the claim process:

1. Provider submits claim on your behalf
2. SkillsFuture processes the claim
3. Credit is deducted from your account
4. You receive confirmation of the deduction

Note: You can also submit claims directly through the MySkillsFuture portal if the provider does not handle claims.

Mid-Career Enhanced Subsidy

Singaporeans aged 40 and above receive additional support:
How to check eligibility:

• Your age is calculated as at the start of the course
• The subsidy is applied automatically when you register for eligible courses
• Check with the training provider for specific subsidy rates

What SkillsFuture Credit Cannot Be Used For

• Courses not on the SkillsFuture directory
• Examination fees (if separate from course fees)
• Travel or accommodation costs
• Materials or equipment costs (unless included in course fees)
• Courses already fully subsidised by other government schemes
• Courses from non-approved training providers

Tips for Maximising Your Credits

1. Check your balance first. Log in to MySkillsFuture to see exactly how much credit you have available.
2. Choose courses strategically. Pick courses that align with your career goals or fill skill gaps in your current role.
3. Look for high-value courses. Some courses offer certifications that are recognised by employers (e.g., AWS, Google, Microsoft certifications).
4. Use the Mid-Career Enhanced Subsidy. If you are 40+, take advantage of the 90% course fee subsidy — it makes even expensive courses very affordable.
5. Plan your learning. Do not wait until the last minute to use your credits. Build a learning plan for the next 1-2 years.
6. Check for additional top-ups. The government periodically announces additional SkillsFuture Credit top-ups. Stay informed through the SkillsFuture website.
7. Combine with employer support. Many employers offer training budgets on top of SkillsFuture Credit. Check with your HR department.
8. Read reviews before enrolling. The SkillsFuture website has reviews from past participants. Use them to choose quality courses.

Frequently Asked Questions

Q: How do I check my SkillsFuture Credit balance?
A: Log in to myskillsfuture.gov.sg using your Singpass. Your credit balance and history are displayed in the SkillsFuture Credit section.
Q: Can I use my credit for someone else (family member)?
A: No. SkillsFuture Credit is non-transferable and can only be used by the account holder.
Q: What if my course costs more than my credit?
A: You pay the difference out of pocket. The credit is deducted from the total course fee.
Q: Do my credits expire?
A: No. SkillsFuture Credits do not expire as long as the program exists. Unused credits carry forward.
Q: Can I get a refund if I withdraw from a course?
A: Refund policies depend on the training provider. Contact the provider directly for their refund terms.
Q: What is the difference between SkillsFuture Credit and Mid-Career Enhanced Subsidy?
A: SkillsFuture Credit is a direct credit ($500) you can use for any eligible course. The Mid-Career Enhanced Subsidy provides up to 90% course fee subsidy for Singaporeans aged 40+. They can be used together.
Q: How do I find courses near me?
A: Use the course search on skillsfuture.gov.sg. You can filter by location, course type, and skill area.
This guide is based on publicly available SkillsFuture information. Always verify current credit amounts and policies on skillsfuture.gov.sg.