Would it be worth it to get a scholarship to fund your full-time studies and take on more stress; or would you rather study part-time and work to fund your part-time studies instead?

Take it.

Besides just making things easier financially, you have a headstart in any job application once you place scholarship details in your application.

Also understand that aiming high is a requirement of most good scholarships, and that places you in a different group of people that you might not be familiar with. These new friends will uplift you, if you let them.

Scholarships sometimes come with allowances too, so it can give you additional allowances to eat, shop etc. I think scholarships are good at 'motivating' you to study hard so you can find a 'better' job in the future ... having a scholarship also looks good on a resume! A bond can be good in the sense you're guaranteed a job when you graduate. If the economy is bad when you graduate, you dont have to worry about not finding a job.

An average cost of a subsidised degree is $8-9k in the local unis without any mics. cost. This means you have to earn $750 per month (more if there's CPF deductions). Not easy.

If you can apply for scholarship go ahead i would say. Not everyone can apply for scholarships because there are criterias to hit. IT IS A HUGE OPPORTUNITY. No matter what you do, there will be stress. It will be better to focus on one thing at a time because studying part-time and working full time is going to be really stressful too i.e. in terms of time management, balancing work load and academic related work. Some scholarships also secure you a placing for employment and you do not need to go through the stress that most grauates been through which is applying jobs after jobs, going for endless interviews and end up still unemployed.

I would not recommend taking up a scholarship (with a bond) if this is your first job and you are unsure if the career is a good fit for you. While being “bonded” most likely guarantees you a job after graduation, it also limits your ability to switch companies/careers should that particular environment not work out for you.