Not from accounting background but,
i feel that in SG where HRs are very likely to give you +X% of your last drawn, you its of paramount importance to at least have a decent monthly pay so that you are in a position to negotiate when you do decide to leave your job for something better.

Just my humble opinion, but do consider. Certs can be picked up/studied for even without a good environment (provided you have the willpower) so is the training really worth your life and a lower pay? Something for you to ponder about.

-Fellow grad-to-be