PTPTN Loan - A Complete Guide

Published by Afterschool.my on May 03, 2020, 03:35 pm

Perbadaan Tabung Pendidikan Tinggi Nasional (PTPTN) is a government agency that provides study loans to Malaysian students pursuing tertiary education in Malaysia.

Who can apply for PTPTN loan?

  • Malaysian citizen
  • Not more than 45 years of age on the date of application
  • Has been offered a place at IPTA, IPTS and polytechnic
  • The course to be taken (in IPTA) is registered and approved by the Ministry of Education
  • The course to be taken (in IPTS) is accredited by the Malaysian Qualifications Agency (MQA)
  • Remaining period of study at the time of application should not be less than one (1) year
  • Student has no other sponsors

Does PTPTN fund Foundation programmes?

PTPTN only funds foundation programmes from these 5 institutions:

  • Multimedia University (MMU)
  • Universiti Tenaga Nasional (UNITEN)
  • Universiti Teknologi Petronas (UTP)
  • UNITAR International University (UNITAR)

Note: PTPTN does not offer education funding to students who attend bridging/ foundation courses at Polytechnics

Does PTPTN fund other Pre-University programs like A-Levels, IB, AUSMAT?

No, it doesn't.

Can I apply for PTPTN financing for the twinning programme? This programme is conducted 2 years locally and 1 year abroad.

Yes, you are allowed. However, PTPTN only provides financing during the course of study in Malaysia.

I am in my second semester and wish to apply for PTPTN education financing. Can I obtain financing from the first semester?

No, you are not allowed. The duration of financing is based on the semester of application. Should the application is made on the second semester, financing will be approved from the second semester onwards until completion of study.

How much loan does PTPTN offer?

  • Full amount – parents’ income is less than RM4,000 per month
  • Partial/Half amount – parents’ income between RM4,000 to RM5,000 per month
  • Tuition Fees only – parents’ income more than RM5,000 per month

The amount of education financing is determined by the net income of the guardian, after deducting the number of dependants.


Amount of loan by course and type of institution


PTPTN loan amount_2


What are the steps to apply for PTPTN loan?

  1. Ensure that you meet all the eligibility requirements as stated by PTPTN
  2. Open a bank account with BSN/BIMB/Public Bank/CIMB/Bank Muamalat Malaysia Bhd. To view list of banks, visit  http://www.ptptn.gov.my/web/english/ipta
  3. Purchase a PTPTN number at any branch of Bank Simpanan Nasional (BSN)
  4. Register and apply online (print online application)
  5. Submit supporting documents to PTPTN officer of your college/university

What kind of documents do I need to send?

To apply, eligible candidates must send these supporting documents to the PTPTN officer of your college/university. Photocopy must be A4-size, single-sided only.

  • One copy of the identity card
  • One copy of the SPM/O-level(or other equivalents) certificate (please be noted that the copy of SPM result transcript will only be accepted if the period of time commencing from year of  the SPM to the year of the application does not exceed 2 years).
  • One copy of the official offer letter from IPT (Higher Education Institute)
  • One copy of personal account number statement /book
  • One copy of the pre-university certificate and transcript (STPM/A-levels/ Diploma/ Foundation/UEC or other equivalents).
  • One copy of parents’ payslip (within the last 6 months)/BE form (latest)/income certification form/ letter of confirmation of unemployment for housewife or retired parents
  • Two sets of PTPTN agreement and its Letter of Offer (printable from the PTPTN website once the online application has been done)
  • One copy of the confirmation letter of the student status from university/college
  • One copy of the examination results of each of the previous semesters

For students who submit applications in the second semester, you need to send in additional documents such as:

  • 1 copy of confirmation letter that you are still currently enrolled in your college/university
  • 1 copy of the results of all previous semesters

What will happen if I discontinue or cancel my PTPTN loan?

Borrowers who have failed, discontinued, changed course or obtained other sponsors have to pay off the lump-sum amount of their loan. Installment method will not be offered for this kind of case.


When should you start paying back the loan?

12 months after your graduate date, you have to start paying off the instalments for the PTPTN loan. The repayment period will be set in accordance to your loan amount.

What is the interest rate?

The interest rate is 1.00% per annum and is in effect following the 12 month grace period immediately after graduation. However, those who settle the loan in full prior to this 12 month grace period will not be charged of any administrative cost.

How can I be exempted from repaying the loan?

PTPTN waiver will only be eligible for First Class Honour students that come from B40 families.

What happens if I fail to repay my loan?

PTPTN applies penalties to borrowers who fail to repay their loans on time. Delinquent borrowers will be given up to 3 reminders and afterwards PTPTN will blacklist these delinquent borrowers. The blacklisted people will be prohibited from going abroad, and not be permitted to renew passport.

Check out our other PTPTN guides right here:

PTPTN Guide 2020

When Do I Apply for PTPTN

PPBU vs PTPTN : Which One is Better?

Foundation Programmes in IPTS Eligible for PTPTN Loan

Can You Apply for PTPTN If You’re in a Twinning Programme?

Twinning Programmes and PTPTN

How to Check How Much You Will Receive From PTPTN in Two Steps

PTPTN 2020 Deadlines for Every Course and Every Institution Released

How to Qualify for a PTPTN Loan Repayment Exemption

Deadlines for PTPTN Online Applications at Every UA & IPTS for Every Course

How To Use The New PTPTN Direct Debit System & List Of Associated Banks

8 Questions about Repaying Your PTPTN Loan

How to Check How Much You Owe PTPTN

How Much Loan Does PTPTN offer?

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