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Home/Study Abroad/Accelerator Pathway Programs/Finland/International Bachelor of Business Administration at Haaga-Helia

One degree, infinite global possibilities

Why choose INT BBA at Haaga-Helia, Finland?

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The International Business programme builds global business knowledge, practical skills, and cultural intelligence through international exposure, industry collaboration, and flexible studies. Haaga-Helia’s diverse, student-focused environment prepares ethical, adaptable leaders for global careers.

Online Duration

12 Months

On-Campus Duration

30 Months

Internship

Conditional

EPT Waiver

Yes

Start online, complete on-campus in Helsinki

Earn INT BBA degree from Haaga-Helia, Finland.

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

Curriculum designed for your success

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

1. Introductory Financial Accounting

2. Media Communication

3. Introduction to Psychology

4. Principles of Microeconomics

5. Principles of Macroeconomics

6. Financial Management

7. Management Information Principles

8. Statistics 

9. Calculus I

10. Management Principles

1. Key Competencies

  • Brush up Studies

    • Swedish Placement Test

    • Brush up Swedish

    • Mathematics Placement Test

    • Brush up on Business Mathematics

    • IT Support and Guidance

  • Haaga-Helia Key Competencies

    • 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

    • Common Part

    • Elective Part

  • Business Administration Studies

    • Principles of Economics

    • People and Culture

    • International Business Law

    • Principles of Accounting and Finance

    • Introduction to Data Analytics for Business

    • Expanding to Foreign Markets

    • Responsible Business

  • Key Language Competencies

    • Chinese 1

    • Chinese 2

    • Chinese 3

    • Chinese 4

    • Finnish Language and Culture 1

    • Finnish Language and Culture 2

    • Finnish Language and Culture 3

    • Finnish Language and Culture 4

    • Finnish for Work 1

    • Finnish for Work 2

    • French 1

    • French 2

    • French 3

    • French 4

    • German 1

    • German 2

    • German 3

    • German 4

    • Spanish 1

    • Spanish 2

    • Spanish 3

    • Spanish 4

    • Professional Swedish

    • Finnish Business Communication

2. Professional Competencies - Major

  • Accounting and Finance

    • Management Accounting

    • Financial Accounting

    • Enterprise Finance Planning

    • Financial Reporting

    • Financial Processes and Service Design

    • Financial Statement Analysis

  • People Management

    • HR Processes

    • Labor Law

    • Organizational Behavior and Wellbeing at Work

    • Employer Branding and Talent Acquisition

    • Employee Experience

    • Technologies in People Management

  • Marketing and Sales

    • Integrated Marketing Communication

    • CRM and ERP for Sales

    • B2B Sales Skills

    • Strategic Branding

    • Data-Driven Marketing

    • Service Design and Co-Innovation

  • Supply Chain Management

    • Principles of Logistics & Supply Chain Management

    • International Trade and Business Law

    • Quality Management

    • Principles of Procurement

    • Circular Economy & Supply Chain Management

    • Sourcing and Supplier Relationship

3. Complementary Professional Competencies

  • Finance and Accounting

    • Business Simulation

    • Operative Business Controlling

    • Corporate Responsibility and Sustainability

    • Management Reporting, BI

    • Finance and Accounting Project

    • Corporate Finance and Investment

    • International Accounting - IFRS I

    • International Economics

    • Automation and Robotics in Finance

  • Languages and Communication

    • Exchange Students as Course Assistants

    • Insights into the European Union

    • English for Academic Purposes

    • Let's Speak Finnish!

    • Do you speak Finnish?

    • Cultural delicacies from Finland

    • Finnish for Exchange Students

  • HR and Leadership

    • Leading People and Teams

    • Strategy Work and Development

    • Defense Force Leadership Training

  • Marketing and Communication

    • International Business Communication with Impact

    • Basics of Graphic Design and Tools

    • Website Design and Development

    • Crisis Communication

    • ICT Applications for Business Communication

    • Marketing Analytics and SEO

    • KREA Strategic Concept Design and Storytelling

  • Sales and Account Management

    • Growth and Competitive Strategies

    • Solution Sales

    • International Sales Week

    • European Sales Competition Coaching & Competition

    • Marketing and Sales in Practice

  • Service Business

    • Innovate Circular Economy and Sustainable Future

    • Corporate Meetings and Events

    • Developing Professional Competencies 1

    • Developing Professional Competencies 2

    • Work Based Project: Nordic Business Forum

    • Work Based Project: Nordic Business Forum 2

    • Work Based Project

  • Entrepreneurship

    • From Idea to Innovation

    • Forms of Entrepreneurship

    • Entrepreneur's Networks and Arenas

    • Sustainable Business Opportunities

    • Digital Platforms and Channels to Global Markets

    • SuS Coaching

    • European Entrepreneurship Project

  • Corporate Planning

    • Green Packaging

    • Business Cultures & Cooperation

    • Supply Chain Management in Practice

  • Analytics and Development

    • Data Analytics with Python

    • Advanced Use of Excel

    • Excel and BI

    • Internet of Things: a Business Perspective

  • Minor Package

  • 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 Business Management.

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 leading 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 Business/Humanities/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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Business Analyst

€60,000

Avg salary
per annum

100+

Job
openings

Analyse business performance, identify growth opportunities, and support strategic decision-making for global companies.

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Business Development

€50,000

Avg salary
per annum

120+

Job
openings

Identify new markets, build partnerships, and drive revenue growth for international organisations.

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Digital Marketer

€45,000

Avg salary
per annum

100+

Job
openings

Manage online campaigns, social media, and digital channels to support global brand growth.

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Sales Manager

€60,000

Avg salary
per annum

150+

Job
openings

Lead sales strategy, manage key accounts, and drive international business growth.

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Marketing Manager

€60,000

Avg salary
per annum

120+

Job
openings

Plan marketing strategy, manage campaigns, and expand global market presence.

360° support system for upGrad learners

Applications, visas support, 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 International Bachelor of Business Administration with Haaga-Helia University of Applied Sciences?

The International Bachelor of Business Administration 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.

2. What should I expect from the International Bachelor of Business Administration at Haaga-Helia University of Applied Sciences?

The International BBA at Haaga-Helia University of Applied Sciences prepares you for global business roles by combining core subjects like marketing, finance, and management with an international focus. You’ll gain practical experience through real-world projects, case studies, and company collaborations. The program emphasizes skills such as cross-cultural communication, market analysis, and global strategy. Studying at the Pasila Campus near Helsinki also gives you access to strong industry networks and career opportunities. By graduation, you’ll be ready for internationally oriented roles across industries.

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 Principles of microeconomics, Principles of macroeconomics, Statistics, Introductory financial Accounting, Financial Management, Management Principles, Critical thinking, Calculus 1 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 leading 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 Business Management would be awarded from Golden Gate University and a Bachelor's degree in International Bachelor of Business Administration 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 International Bachelor of Business Administration from Haaga-Helia University of Applied Sciences?

  • Skills aligned with international hiring needs including market analysis, cross-cultural communication, and global strategy.
  • Practical and project-based learning ensures you graduate with real-world experience valued by employers.
  • High ROI through access to careers with international mobility and long-term growth potential.
  • Exposure to multinational business environments through Haaga-Helia’s industry connections.
  • Opportunity to tap into Finland’s and Helsinki’s job market for internships and early career roles.
  • Development of cross-cultural competence, a key requirement for global organizations.
  • Additional GGU Certificate in Business Management enhances your global employability.
  • Flexibility to work across countries and industries, ensuring long-term career stability.

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 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 submit your application to Haaga-Helia University of Applied Sciences once all required documents are received (as outlined in your offer letter from upGrad) and the application window opens. After the application is submitted and the application fee is paid, the University will tentatively schedule an interview within 30 days. Following the interview, once results are announced, the University will issue the final offer letter.

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 International Bachelor of Business Administration Program.
  • Individuals aspiring to excel in roles such as Cloud Services Specialist, Business IT Consultant, Software Developer, Digital Service Designer, Business Developer, etc.
  • This International Bachelor of Business Administration 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 Business Management at GGU:

  • Students who have appeared for 10 + 2 examinations, (e.g. A level, CBSE, HSC, IBDP, ISC, etc.) from Business/Humanities/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.

For International Bachelor of Business Administration at Haaga-Helia University of Applied Sciences:

  • The student must complete an Undergraduate Certificate in Business Management from GGU with an aggregate of 2.7 GPA in each course as well as aggregate level.
  • Successful clearance of the interview with Haaga-Helia University of Applied Sciences.

3. Is work experience required for this course?

Work experience is not mandatory for admission; however, applicants with prior experience may share it.

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

  • Scanned copy of Class 10th & 12th Marksheet and Certificate
  • Scanned Copy of Passport (Name & Address Page)
  • Formal Coloured Photograph
  • Latest Resume
  • Base Program Transcript

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 post interview. 
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 Assistance

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 dependent 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 in addition to the regular live sessions and Q&A with the faculty.

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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