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One degree, infinite global possibilities

Why choose BBA IT at Haaga-Helia, Finland?

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Choose from specializations like Software Development, ICT & Business, Digital Services or ICT Infrastructures & Cloud Services, gaining hands-on experience in real partner-company projects, multicultural teams and business development. This makes you ready for roles such as Cloud Services Specialist, Business IT Consultant or Software Developer.

Online Duration

12 Months

On-Campus Duration

30 Months

Internship

Conditional

EPT Waiver

Yes

Start online, complete on-campus in Helsinki

Earn BBA Business Information Technology degree from Haaga-Helia, Finland.

Established
2007
Employability Rate
80% (within 5 years)
EduRank 2025
#18 of 36 In Finland
AD Scientific Index
#1 in Finland

Curriculum designed for your success

Turn credits into milestones with an industry-shaped curriculum built for real-world skills.

1. Media communication

2. Computer Science

3. Computer Science II

4. Introduction to Business & Data Analytics

5. Business Intelligence & Data Mining

6. Introduction to Python Programming for ML

7. Statistics

8. Calculus I

9. Management Principles

10. Introduction to Psychology

1. Key Competencies

  • Brush up Studies/Foundation Studies (0-6 ECTS)

    • Swedish Placement Test

    • Brush up Swedish

    • English Placement Test

    • Brush up English

  • Haaga-Helia Key Competencies (40 ECTS)

    • Professional Communication

    • Customer Insight and Marketing

    • ICT Competencies

    • Customer Experience and Sales

    • Teamwork and Project Management

    • Research and Development Skills

    • Basics of Financial Management

    • Entrepreneurship and Business Operations

  • Keys to Studies and Career (5 ECTS)

    • Introduction to Studies

    • Optional Courses

  • Business Information Technology Studies (20 ECTS)

    • Introduction to Digital Services

    • Introduction to Business Driven ICT

    • Introduction to ICT Infrastructure Cloud Services

    • Introduction to Software Development

2. Professional Competencies - Major

  • Digital Services (Choose 55 ECTS)

    • Basics of Artificial Intelligence (AI)

    • Internet of Things: a Business Perspective

    • Innovation and Prototyping

    • Basic 3D Design with Blender

    • Digital User Experience

    • Digital Service Prototyping

    • 3D Printing

    • Software Requirements Analysis

    • ICT Project Management

    • Applied Artificial Intelligence (AI)

    • Digital Business Ecosystems

    • IoT Experimental Project

    • Website Design and Development

    • 3D Extended Course

    • 3D Scanning

    • Design Sprint Days

    • Digital Service Project

    • Digital Service Design

    • 3D + Robotics

    • International IT-Seminar

    • International IT-Seminar

  • Software Development (Choose 45 ECTS)

    • Programming 1

    • Programming 2

    • Data Management and Databases

    • Back End Programming

    • Software Requirements Analysis

    • Front End Programming

    • Software Development Project 1

    • Mobile Programming

    • Python Programming

    • Software Testing

    • Software Development Technologies

    • Software Development Project 2

    • International Software Development Project

    • Introduction to NoSQL Databases

    • Softala Project

    • Softala Software Development Project

    • Database Developer

    • Application Hacking and Vulnerabilities

    • Software Automation Testing

  • ICT and Business (Choose 35 ECTS)

    • Business Process Management

    • Business Requirements Management

    • Data Management and Databases

    • ERP 1

    • Introduction to Data Analytics for Business

    • Advanced Use of Excel

    • ICT Project Management

    • Business Intelligence

    • Managing CRM Processes

    • Excel and BI

    • Basics of Artificial Intelligence (AI)

    • Business Intelligence Development Project

    • Applied Artificial Intelligence (AI)

    • Robotic Process Automation

    • ERP 2

    • Data Analytics with Python

    • Internet of Things: a Business Perspective

    • Business Data Management and Data Analytics

    • Solution Sales

    • Business ICT Project

    • Financial Accounting, Processes and Systems

    • Project Management Championship

    • Advanced Power BI with Microsoft PL-300

    • (BIP) Applied Data Modelling

    • (BIP) Applied Artificial Intelligence in Business

  • Infrastructures Cloud Services (Choose 55 ECTS)

    • Windows Servers

    • Information Security

    • Introduction to Networks

    • Linux Servers

    • Cloud Service Technologies

    • Python Programming

    • Cloud Architectures - AWS

    • Cloud Operations - AWS

    • Application Hacking and Vulnerabilities

3. Complementary Professional Competencies

  • Professional Competencies

  • Minor Package

  • Languages and Culture

    • Finnish Language and Culture 1

    • Finnish Language and Culture 2

    • Finnish Language and Culture 3

    • Finnish Language and Culture 4

    • Let's Speak Finnish!

    • Professional Swedish

    • Finnish Business Communication

    • Professional English

    • Advanced Professional English

    • English for Professional Presentations

  • Other Studies Included in the Degree

  • Work Placement

    • Basic Work Placement

    • Professional Work Placement

Note: 50 ECTS are waived off upon the successful completion of GGU's Undergraduate Certificate in Computer Science.

Your path to a global degree — simplified

Accelerate your study abroad journey to outperform peers in the nearest campus intake* with advanced academic standing.

Your global degree, with upGrad advantage

Significantly reduce tuition costs while gaining a world-class degree, global exposure, and strong career outcomes.

Student Logo
student
₹57.2 L
Saved ₹15.7 L
Regular student
₹73 L
arrow vector
21%
Total cost reduction
₹15.7 Lakhs*
Saved with upGrad

Expense Category

Tuition Fee
Living cost
Avg. Scholarships
Total

Regular Learner

₹39 Lakhs (€38,500)

₹34 Lakhs (€33,600)

Merit-based

~₹73 Lakhs

Student Logo

Learner

Online Fee:

₹5.08 Lakhs (€5,018)

On Campus Fee:

₹27.8 Lakhs (€27,500)

Savings of ~₹6 Lakhs

On-Shore:

₹24.3 Lakhs (€24,000)

Savings of ~₹9.7 Lakhs

Merit-based

University discretion

~₹57.2 Lakhs

Savings of ~₹15.7 Lakhs

Eligibility Criteria

Check academic, language & work-ex requirements to determine your eligibility for this study abroad program.

Admission requirements for Online Phase:

  • Students who have appeared for 10 + 2 examinations, (e.g. A level, CBSE, HSC, IBDP, ISC, etc.) from Science stream with 50% or above marks.
  • Students who have completed class 12th in the last five academic years (with a justified gap) will be eligible for the Certificate Program.
  • Students enrolled for any graduate or undergraduate programs shall not be eligible to apply.

University Campus

A global hub for innovation, research, and real-world learning surrounded by opportunity, energy, and global ambition.

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Pasila, Helsinki

Pasila shines with its transit hub and Tripla mall, providing learners comfort, culture, and career opportunities.

Living Cost

€9,600 per annum

upGrad Students

100+

upGrad USP

Alumni Support

Career Progression Opportunities

Job roles & salaries are not a guaranteed outcome of the degree.

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Software Developer

€41,873

Avg salary
per annum

800+

Job
openings

Software Developers are responsible for building, testing, and maintaining applications that deliver efficient and reliable digital solutions.

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Digital Designer

€34,800

Avg salary
per annum

50+

Job
openings

Digital Service Designers craft user-focused digital services, enhance experiences, and support business goals.

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Cloud Specialist

€60,585

Avg salary
per annum

800+

Job
openings

Cloud Services Specialists manage cloud platforms, optimize performance, ensure security, and support scalable business solutions.

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IT Project Manager

€61,445

Avg salary
per annum

50+

Job
openings

IT Project Managers plan, lead, and deliver technology projects, ensuring timelines, budgets, and goals are met efficiently.

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Business Developer

€60,949

Avg salary
per annum

100+

Job
openings

Business Developers identify growth opportunities, build partnerships, drive sales strategies, and expand market reach.

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IT Consultant

€46,055

Avg salary
per annum

50+

Job
openings

Business IT Consultants align technology with business goals, improve systems, optimize processes, and guide digital transformation.

360° support system for upGrad learners

Applications, visas, counselling, and planning—everything in one place.

1:1 profile evaluation & counseling

Get personalized expert guidance to simplify your journey — from university selection to application success.

Scholarship support

upGrad learners receive exclusive scholarships of up to 40% to make their global education more accessible.

IELTS preparation

We offer IELTS prep by experienced individuals to help you reach the desired proficiency and achieve the required score.

Educational loan assistance

Maximize your chances of funding with our expert guidance on third-party credit facility. Access loans at competitive interest rates.

Visa support

Gain access to visa mocks and guidance to breeze through your visa process.

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Your admission roadmap

Your admission journey, simplified and supported at every stage.

1

Profiling

Evaluate academic fit, interest in research-driven programs and tech sectors. Identify intakes and eligibility through upGrad’s Finland guidance.

2

Shortlisting

Select top universities (e.g. Aalto, Helsinki) with affordable tuition (€8K–18K) and trending courses.

3

Test Support

Engage in IELTS prep via online cohorts, or explore alternatives (TOEFL/PTE). upGrad starts cohort-based language prep early.

4

App & LOA

Submit application and obtain LOA. upGrad accelerates to visa stage—Finnish student residence permit.

5

Visa & Transfer

Apply for the Finnish residence permit, show proof of €800/month (~€9,600/year). Then relocate and immerse in campus experience.

Life on-campus of an upGrad learner

State-of-the-art labs, student clubs & career centers—fostering learning, leadership & community.

From learners to achievers

Hear from our learners who turned their study-abroad dreams into reality.

Got APS certificate in a week, and end-to-end support from upGrad counselors.

Sanat Kumar Halloli

MSc in Data Science

UE Berlin, GermanyGermany

Have questions? Get your answers here

Everything you need to know about pathway program at Haaga-Helia University of Applied Sciences, Finland

Course Curriculum

1. What is the scope of the BBA Business Information Technology with Haaga-Helia University of Applied Sciences?

The BBA Business Information Technology is an engaging yet rigorous course split into 2 parts- 12 months online course (with Golden Gate University) and 30-months on-campus program (Haaga-Helia University of Applied Sciences, Finland) designed for students to develop practical knowledge and skills, establish a professional network, and accelerate entry into the field of Cloud Services, Business IT Consultation or Software Development.

2. What should I expect from the BBA Business Information Technology at Haaga-Helia University of Applied Sciences?

Haaga-Helia's BBA in Business Information Technology equips students with practical business IT skills combined with an extensive theoretical base. Upon graduation, students can expect to develop extraordinary skills that are firmly rooted in infotech and data innovation. The degree includes theory and practical application, arranged in cooperation with partnering IT and other companies.

This course provides choice of specializations like Software Development, ICT & Business, Digital Services or ICT Infrastructures & Cloud Services, gaining hands-on experience in real partner-company projects, multicultural teams and business-oriented development and prepares for roles such as Cloud Services Specialist, Business IT Consultant or Software Developer.

3. Which topics are going to be covered as part of the online coursework?

The program will be delivered on a new technology platform to create a superior learning experience for participants who want to be on the cutting edge of digitized businesses. With this program, Golden Gate University & Haaga-Helia University of Applied Sciences, Finland together seek to develop the next generation of leaders. The topics that are going to be covered are Business & Data Analytics, Business Intelligence & Data Mining, Introduction to Python Programming for Machine Learning, Software Development, ICT & Business, Digital Services or ICT Infrastructures & Cloud Services and much more.

4. What type of learning experience should I expect?

The online learning experience will be a mix of interactive lectures from industry leaders as well as world-renowned faculty. Additionally, the program comprises live lectures dedicated to solving your academic queries and reinforcing learning. The on-campus learning experience will offer students the opportunity to engage directly with faculty.

5. Is any certification granted at the end of the program?

Post successful completion of the program, the Undergraduate Certificate in Computer Science would be awarded from Golden Gate University and a Bachelor's degree in BBA Business Information Technology shall be conferred upon by Haaga Helia University of Applied Sciences, Finland subject to degree completion requirements.

6. Can I sign up only for a few specific modules if I am interested in it?

No, the program is designed to be completed in its entirety and cannot be taken as standalone modules.

About Haaga Helia University of Applied Sciences

1. Why should you pursue BBA Business Information Technology from Haaga-Helia University of Applied Sciences?

  • Combines the best of both worlds: IT and business.
  • The programme requires students to complete a semester-long compulsory internship to help them gain real-time exposure to working environments and develop the necessary skills to stand out among their peers.
  • Career opportunities include Digital Service Designer, Software Developer, Cloud Services Specialist, Business Developer, Business IT Consultant, and IT Project Manager.
  • Choose from specializations in Software Development, ICT and Business, Digital Services or ICT Infrastructures and Cloud Services.
  • The programme has a strong focus on students’ career plans and entrepreneurial aspirations.
  • Collaboration with local and international companies enables students to work in multicultural teams and on multinational projects.
  • Haaga-Helia is a member of AACSB (the Association to Advance Collegiate Schools of Business) and EFMD (the European Foundation for Management Development), reflecting on the high-quality education offered by the university.


2. When will I go to Haaga Helia University of Applied Sciences?

Haaga Helia University of Applied Sciences offers two intakes for students coming through the accelerator route. The first intake of the year will be the January intake, and the second intake will be in September. Though the application process for Haaga Helia University of Applied Sciences will start during the Golden Gate University online program, you will be able to go to Haaga Helia University of Applied Sciences in the nearest intake which is at least 5 months away from completion of your Golden Gate University program.

3. When will I get an Offer Letter from Haaga-Helia University of Applied Sciences?

upGrad will apply for you to the Haaga-Helia University of Applied Sciences once all the documents are provided by you (as given in the offer letter issued to you by upGrad). Apart from the documents mentioned in the offer letter of the Haaga-Helia University of Applied Sciences you will have to give proof of English proficiency for application of admission in Haaga-Helia University of Applied Sciences. upGrad will support you to get your English proficiency scores within 3 months of the start of the batch to accelerate this process.

4. How will Haaga-Helia University of Applied Sciences help in finding internships and job opportunities after I complete a course?

Haaga-Helia University of Applied Sciences helps students through the decision-making process by talking to you about your specific goals, interests, and skills and what kind of jobs you can get. The university has a network of corporate partners that will help you find the right internship.


5. Is there any other fee required for this program?

Yes, an application fee of EUR 100 is required for the application to Haaga-Helia University of Applied Sciences.

Selection Criteria

1. How can I determine if this program aligns with my goals and aspirations?

  • Those with a strong academic foundation possess a valuable edge in the BBA Business Information Technology Program.
  • Individuals aspiring to excel in roles such as Cloud Services Specialist, Business IT Consultant, Software Developer, Digital Service Designer, Business Developer, etc.
  • This BBA Business Information Technology degree is an ideal degree for anyone looking for a career that focuses on the application of information technology in business and management operations.

2. Are there any minimum qualifications for this program?

To be eligible for the program, the following criteria need to be fulfilled:
For Undergraduate Certificate in Computer Science at GGU:

  • Students who have appeared for 10 + 2 examinations (e.g. A level, CBSE, HSC, IBDP, ISC, etc.) from Science stream with 50% or above marks.

For BBA Business Information Technology at Haaga-Helia University of Applied Sciences:

  • The applicant should successfully complete 1 Year of Certificate in Computer Science from GGU with a minimum of 2.7 GPA in each course as well as aggregate level.

3. Is work experience required for this course?

Relevant professional work experience is recommended but not mandatory.

4. What is the list of documents required to make an application to Haaga Helia University for a final offer letter?

  • Scanned copy of identity proof: Aadhar Card, PAN Card, Driving Licence
  • Scanned copy of 10th and 12th Marksheet & Certificate
  • Scanned copy of Passport (Name & Address Page)
  • Digital Photographs
  • Latest Resume
  • Statement of Purpose

5. What is the selection process for this program?

There are 3 simple steps in the Admission Process which are detailed below:
STEP 1 - Application and Document Submission - Apply on upGrad.com and submit your documents.
STEP 2 - Shortlisting basis overall performance - Our admissions committee will review your profile. Upon qualifying, an offer letter will be sent to you.
STEP 3 - Enrollment for Access to Prep Content - Make a quick block payment of INR 25,000 to reserve your seat and receive immediate access to the prep content and begin your upGrad journey. Complete balance payment with assistance from our loan partners where required.

Visa

1. Will upGrad help me in writing Academic and Visa SOP?

Yes, upGrad will help with your Academic and Visa SOP and will also organize training on how to write a good SOP.

2.What will be the living cost as an international student?

The students should have sufficient funds for living in Finland during the entire period of validity of their residence permit. They need to have at least 800 euros per month at their disposal to be able to pay for accommodation, food and other needs. If the studies take 1 year or longer, students must have EUR 9,600 in their bank account when they submit the application. In case, there is a dependant travelling along, students need to maintain the equivalent amount for the additional members.

3. Can international students work in Finland while studying?

Part time opportunities in Finland are subject to application and at the sole discretion of the recruiting organization. Such opportunities are not guaranteed and require atleast a functional proficiency of Finnish language. It is advisable that students do not depend on such opportunities for funding their education or stay in Finland.

Time Commitment

1. What is the time commitment expected for the program?

At least 12-15 hours per week of time commitment is expected to be able to graduate from the program.

2. How will my doubts/questions be addressed in an online program?

Peer-to-peer discussion forum where you can post your queries and your peers/faculty/teaching assistants answer your queries within a day. Regular Q&A sessions with faculty to get clarification on conceptual doubts.

Payment

No cost CC EMI FAQ's

0% EMI with Third Party Credit Facilitators /Credit card option availability will vary program wise.

1. Which banks allow using 0% Credit card EMI or Credit card EMI?
No cost EMI is available on credit cards from all major banks (American Express, Bank of Baroda, HDFC Bank, ICICI Bank, IndusInd Bank, Kotak Mahindra Bank, RBL Bank, Standard Chartered, Axis Bank, Yes Bank, State Bank of India, CITIBANK and HSBC)
2. Is there any minimum transaction limit ?
Yes. 50000 is the minimum.

3. Standard Chartered Bank offers 18 or 24 months No Cost EMI ?
No. ONLY 12 months is available irrespective of the Program enrolled.

4. Will I have to pay any extra amount for the EMI transaction?
If you are availing 0% credit card EMI, upGrad will not charge any processing fees or down payment for these transactions. Your bank may levy GST or other taxes on the interest component of the EMI.

5. Are there any fees or down payment?
Certain banks charge nominal processing fees between INR 99 - 500 on 0% Credit Card EMI transaction. If charged, will be billed in the first repayment installment.

6. Can I use my International credit card for 0% credit EMI or Credit Card EMI?
Only the Indian bank credit cards can be used. But you can pay the amount using the Credit card option in one shot / part payments, and later you can convert into EMI from your respective bank. The tenures and interest charged will depend on your bank. upGrad will not charge any processing fees or down payment for these transactions, this will be purely between you and your bank.

7. Are there any charges in case I opt for cancellation/refund from the course after paying balance with no cost EMI ?
Yes, there will be additional charges to the extent of interest paid by the upGrad to the bank, you will be refunded only Principal amount, i.e. the amount actually deducted/blocked from your card. This deduction will be in addition to the amount mentioned in the refund policy shared with your offer letter.

8. Can I Pay Using Multiple Credit Cards ?
Multiple cards can be used to complete the payments using Part payment option make sure to inform the learner, minimum transaction is INR 50000 to opt for 0% CC EMI E.g. Amount to be paid: 150000. I can pay using 2 Credit cards. Yes, Example :
HDFC Card – Part payment – INR 100000
ICICI Card – Part payment – INR 50000

9. How can I opt for Credit card EMI if my bank is not listed in the 0% Credit card EMI or Credit card EMI?
You can pay the amount using the Credit card option in one shot / part payments, and later you can convert into EMI from your respective bank. The tenures and interest charged will depend on your bank. upGrad will not charge any processing fees or down payment for these transactions.

10. Why is the entire amount blocked on my credit card?
Initially your bank will block the entire amount from your available purchase limit and from your next billing cycle, you will be charged the EMI amount. As you start paying your EMI, your credit limit will be released accordingly. For example, if you have made a payment of ₹100000 on 6-months EMI and your credit limit is ₹200,000 then initially your bank will block your credit limit by ₹100000. After payment of your first month EMI of Rs.15000, the blocked amount will come down to ₹85000.

11. Why is interest getting charged on No Cost EMI?
Your bank will charge you interest. However, this interest charge has been provided to you as an upfront discount at the time of your payment, effectively giving you the benefit of a No cost EMI. The total amount paid during the entire EMI tenure to the bank will be equal to the amount to be paid to upGrad.

Eg. Amount payable to upGrad: INR 405000
Let's say Amount deducted at the time of transaction: INR 379850 (Principal amount) Bank charges interest of 12-15% per annum on INR 379850
[Note: Interest factor is reducing rate and not Flat rate]
EMI AMOUNT = INR 33750 x 12 = INR 405000
Effectively, you have taken loan on 379,850 instead of 405,000

Refund Policy

Is there any deferral or refund policy for this program?

Refund Policy:
1. Students must pay an applicable Caution Amount for the enrollment to the Program. This Caution Amount will be adjustable against the total Program fee payable by the student.
2. Once the student has made a partial or full payment of Program fee, such student can claim a refund for this amount at any time before the cohort commencement date by raising a refund request through ‘My applications’ page on our website (www.upgrad.com), stating the specific reason for the refund. The refund shall be subject to a deduction of INR. 20,000/- towards processing fee. If less than INR. 20,000/- have been paid in total, students shall not be eligible for any refund in such a case.
3. Students shall not be eligible for a refund (under any circumstances) if the refund request is raised post-program/Batch Start Date. In such a case, the student will continue to pay the EMI of his loan (if applicable) as the loan cannot be canceled. This is also applicable to students who could not complete their payment and could not get enrolled in their opted cohort. However, the student can request a pre-program deferral as per the policy defined below for the same.
4. Student shall not be eligible for refund of any amount paid towards the Program in case any discrepancy is identified between your application and self-attested documents including but not limited to wrong details about your grades or any other incorrect information provided in your application.
5. In case of a valid refund request post obtaining the loan from a third party loan facility provider, we would like to clarify that the responsibility of canceling the loan will lie with the student as upGrad is not privy to such arrangements between the student and the third party loan facility provider.
6. If students do not provide documents as per the timeline mentioned in the offer letter, they will be deferred to the next batch and they will not be eligible for any refund.

Deferral Policy: (Pre- Program Commencement)
1. If a learner, due to unavoidable circumstances is unable to commence with the cohort and requests for a deferral before the Cohort Commencement Date, learner will have an option to defer to another batch.
2. However, the learner is required to pay 50% of the Total Program Fee amount (inclusive of taxes) before the deferral can be approved. Till this condition is complied with, the learner will be assumed to be continuing in the same cohort.
3. A learner can request for deferral only once and to either of the scheduled cohorts to start in the next 1 year from the batch start date of the initial batch the Learner enrolled for.
4. The learner has time till the current Cohort Commencement Date to make the payment of the 50% of the Total Program Fee, post which the deferral request will expire. Once the deferral window expires and the learner asks for a refund after the Cohort Commencement Date, the above-mentioned applicable refund policy will apply.
5. The fee applicable to the deferred learner will be as per prevailing Total Program Fee for the batch learner as opted to defer to (No additional deferral fee is required to be paid).

Deferral Policy: (Post Program Commencement)
1. If a learner is facing severe issues in dedicating time to the course, learner will have an option to defer to another batch.A learner can request for deferral only once and to either of the scheduled cohorts to start in the next 1 year from the Cohort Commencement Date of the initial batch the Learner enrolled for.
2. The learner will be required to pay a deferral fee of 5% of the Total Program Fee (inclusive of taxes) if any along with the differential program fees between the two cohorts.
3. The deferral request will be approved once the deferral fee is paid.
4. Till this condition is complied, the learner will be assumed to be continuing in the same cohort.
5. The learner has 7 days (including holidays and weekends) from the date of deferral request to make the payment of the deferral fee, post which the deferral request will expire, and the learner will continue as part of the current cohort.
6. If the learner completes the deferral payment, the learner’s login will be disabled. The learner will leave the deferred cohort and the learner will start learning on the new cohort from the point of the last assignment that was graded in the deferred cohort. All grades and progress till that point will be carried forward as it is to the new cohort.
7. The deferral can only be requested during the batch for which the learner has enrolled is ongoing. Once the batch has been completed, deferral requests shall not be entertained. For clarification, the batch completion here shall mean the “last grace deadline” as communicated by upGrad. Case Deferral fee Before Program Commencement 50% program fee (including taxes) to be paid upfront- no additional deferral fee to be paid Post Program Commencement (0-7 days after program start date) 5% of the program fee (including taxes) to be paid within 7 days as deferral fee Post Program Commencement (8 days after program start date) Will have to continue as a part of the current cohort.

CaseDeferral fee

Before Program Commencement

50% program fee (including taxes) to be paid upfront- no additional deferral fee to be paid

Post Program Commencement (0-7 days after program start date)

5% of the program fee (including taxes) to be paid within 7 days as deferral fee

Post Program Commencement (8 days after program start date)

Will have to continue as a part of the current cohort

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