How u are going to pay back your bond? They allow u pay by installment? Or u have to loan to pay them back?
If yes than you are basically loan to get a $4k job in SGD, and u from financial sector u should well aware about the compound interest... u will eventually paying more than what u owe them.
And 4k SGD is kinda low for what u are trading in... U are trading in a huge debt which enough to buy u a house. And dont forgot 4k is your gross income only.