How to Qualify for a PTPTN Loan Repayment Exemption

Published by on Aug 22, 2017, 11:06 am

The PTPTN loan is by far the most popular option among students who look for financial assistance to held fund their tertiary education. While many are aware of the existence, not many know what the actual requirements are for a student to qualify, nor do they know the proper procedure one has to go through to get approval. Let's take a look at the answers to both. 

Borrower earns First Class Honours for their Bachelor's Degree programme

The above requirement is the most important pre-requisite of all and should not be confused with any fixed CGPA. While a First Class Honours degree generally requires a CGPA of 3.7 and above, it must be noted that this will differ depending on the institution and course studied. Therefore, students must first check with their university as to what CGPA is required for them to receive First Class Honours. Having successfully obtained a First Class Honours distinction, the student will also need to meet the following criteria: 

  • Attended a full-time course.
  • Successfully graduated within the period that had been stipulated in the PTPTN loan offer document
  • The PTPTN loan does not overlap/coincide with any other sponsorship.
  • The borrower shall submit a fully completed application to PTPTN within twelve (12) months from the date of graduation during convocation.
  • If course was taken up at an IPTS, it must be accredited by the MQA

 Documents that must be attached

  • Completed Borrower's Declaration.
  • Copy of First Class Honours Bachelor's Degree or its equivalent
  • Copy of transcript with certified examination result.
  • Certified copy of Certificate of Accreditation from MQA (for IPTS borrowers).
  • First Class confirmation letter (if it is not stated "First Class" on borrower's degree).


a) Copies of supporting documents shall be authenticated by authorised officers as stipulated by PTPTN, the Academic Division of the IPT or the Issuing Division of the Transcript and the scroll from where the student pursued their programme.

b) The verification stamp shall contain the name of the officer, position and the name of the department.

c) For transcripts in which the scoring/grading information is not specified, note of the calculation and declaration of marking/grading from HEIs should be included.

The process of granting a loan repayment application for obtaining a First Class Bachelor's Degree will take 60 working days from the date all documents are received. 

Click here to read about How to Check Your PTPTN Balance

Click here to read about How to Get a 10% Discount Off Your PTPTN Balance in 14 Steps

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