Last updated Sunday, 27 January, 2019 12:58:22 PM

Higher Education  →  FundingGovernment Loan  →  PTPTN

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PTPTN is a special fund established under the auspices of the Ministry of Higher Education with the objective of offering educational loans to all eligible Malaysian students pursuing their tertiary studies at selected institutions of higher learning in the country. This loan will enable students to fully or partially pay their fees and their subsistence for the duration of their study.

The scope of the PTPTN education loan facility is open to students pursuing studies at the diploma, first degree, master, doctorate and professional courses levels in IPTs established under the following acts:
* Universities and Universities Colleges Act 1971
* Institut Teknologi MARA Act 1976
* Private Higher Education Institutions Act 1996

Please refer to for further details

Guideline on online application:

1- Has been offered a place at IPTA/ IPTS and Polytechnic by fulfilling entry requirements determined by the Ministry of Education and Malaysian Qualifications Agency (MQA).

2- Application is valid through the following address

3- Application is based on the date determined by the respective IPT (for more information, kindly refer our official portal )

4- The applicant should have an individual saving account with bank determined by the respective IPT (Except for IPT which provide the pre-opening bank account for students)

Loans that are offered by Malaysian government :
1- Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN)
2- Skim Prihatin Pendidikan 1Malaysia (SPP1M)
3- Social Security Organisation
4- Jabatan Perkhidmatan Awam
5- AMMA Foundation

The interest rate by Malaysian government is lower than banks or private institutions.
Some of the Government Loans even have 0% interest rate but the student must complete an interview before granted the 0% interest loan.

The purpose of Malaysian government is to help low income citizens who are unable to afford education fees to achieve their goals.
Government loans are usually make repayment through local banks.

PTPTN Loan amount depends on students's institute of education and course level.

Type of interest Rate:
1- Flat/Fixed Rates (new PTPTN loan applicants) (either 1% pa flat or 3% fixed);
2- Interest rate 1% pa flat “Ujrah” (new PTPTN loan applicants);
3- Fixed for existing loanholders 3% pa.

Age limit for PTPTN applicants : not more then 45 years old.

Tenure: Repayment starts from six months after student graduation date. The tenure depends on the level of loan amount:

1 RM10,000 and Below 60 months (5 years)
2 RM10,001 to RM22,000 120 months (10 years)
3 RM22,001 to RM50,000 180 months (15 years)
4 Above RM50,001 240 months (20 years)

Online Application
With effect from 15 June 2007, all applications for PTPTN loan must be done
online through the

PTPTN allows borrower to start paying loan six months after graduation date. That means the borrower has 6 months time to find the means to pay off your loans (i.e. to find a job first).
The interest rate is very low.

PTPTN also allows for extended delay of payment for those who are earning a very low income.

Borrower from PTPTN, can not pursue education at private institutions. They are only allowed in Government's higher learning institutions.

The loan amounts are usually small and partial. Not as high as the ones that are offered by banks.

Pinjaman Latihan Kemahiran 
JPA/MARA Overseas Study Scholarships  
Ministry of Education 
Perdana Scholarship 
Public Service Department (JPA) 

The PTPTN study loan is offered to students at:
Courses of Study Eligible for a PTPTN Loan :
1 Diploma level at public universities, private institutions and polytechnics.
2 Public and private Bachelor's degree programmes.
3 Public universities pursuing Master's, PhD and professional qualifications.
4 Part-time courses and distance-learning courses at public universities.
In 2012 the PTPTN loan scheme was reduced from RM60,000 to RM45,000 for each diploma students.
The National Higher Education Fund (Perbadanan Tabung Pendidikan Tinggi Nasional, PTPTN) was established under the National Higher Education Act 1997 (Act 566) and started its full operations on 1 November 1999. Its prime objectives are to provide study loans to eligible students at higher learning institutions (both public and private) provide saving schemes, as well as to manage funds for higher education.
1.99 Million students received PTPTN loans worth RM44.62 Billion offered by the National Higher Education Fund Corporation (PTPTN) since 1999.

RM44.62 billion have been disbursed, of which RM23.78 billion was given to 1,371,754 public university students (IPTA) and RM20.84 billion for students in private universities (IPTS).

Malaysia needed at least 50 per cent of its citizens to be university graduates to become a developed country by 2020.


National Higher Education Fund
Perbadanan Tabung Pendidikan Tinggi Nasional
Ministry of Higher Education



Loan Eligibility Requirement
Malaysian citizen
Pursuing full-time first degree course in UTAR
Student MUST meet UTAR minimum entry requirement for all the courses approved by Malaysian Qualifications Agency (MQA) and Department of Private Education /Jabatan Pendidikan Swasta (JPS) and Ministry of Higher Education (MOHE)/ Kementerian Pengajian Tinggi (KPT).
No other financial assistance (except bank loans)
At the time of application, student must not be in the last year of his/her course
Student who obtained his/her PTPTN loan previously in other institution but failed to complete his/her study is only eligible to apply for the second time upon payment of all outstanding debts to PTPTN
Other requirements/criteria as decided by PTPTN

Loan amount

Type of Loan

Field of Study

Amount per annum (RM)












Chinese Medicine







Online Application Date
For January Trimester & May Trimester Intakes students, the deadline to apply for PTPTN online loan application is as follows:


1st Deadline for PTPTN Loan Online Application

2nd Deadline for PTPTN Loan Online Application
(if the students have missed the first (1st) deadline)

January Trimester

1st day of students' registration day - 15 February

16 February -15 March

May Trimester

1st day of students' registration day - 15 June

16 June - 30th July

Loan Disbursement
Payment will be credited directly to student's Personal Public Bank account
Payments are made twice per academic year during the two(2) long trimesters
The first loan is released only after the completed agreement is received by PTPTN
Subsequent loan will be disbursed after PTPTN has received confirmation from UTAR that the student is successful in continuing his/ her studies and has obtained a GPA of 2.0000 and above.

Loan Repayment

Field of Study Repayment Period
Science/ MBBS/ Health Sciences 20 years
Arts 15 years

Repayment will commence six (6) months after graduation or upon securing a job, whichever is earlier
Payments can be made via the following channel :
Cheque / bank draft / money order
Online payment
Payment at PTPTN counter
Salary Deduction via Inland Revenue Board (IRB)
1% administrative cost per annum will be charged starting from the date of repayment


PTPTN - Perbadanan Tabung Pendidikan Tinggi Nasional
(National Higher Education Fund Corporation).
Applying for PTPTN
Borang permohonan PTPTN online
PTPTN Education loan online application:
Kaedah permohonan pembiayaan pendidikan secara online:

1). Applicants must obtain admission to institutions of higher learning offer before applying for financing education.
1). Pemohon hendaklah mendapat tawaran kemasukan ke IPT sebelum memohon pembiayaan pendidikan.

2). Applicants must apply on-line education funding (online) through the Official Website of PTPTN.
2). Pemohon hendaklah memohon pembiayaan pendidikan secara dalam talian (online) melalui Portal Rasmi PTPTN di

3). Applicants are allowed to apply based on the date fixed in accordance with their respective institutions that can be found in the Official Portal
3). Pemohon hanya dibenarkan memohon berpandukan tarikh yang telah ditetapkan mengikut IPT masing-masing yang boleh dirujuk di Portal Rasmi PTPTN .

4). Applicants should have an individual account in a bank that has been designated by their respective institutions except to applicants studying in an institution that provides pre-opening bank accounts for students.
4). Pemohon perlu mempunyai nombor akaun individu mengikut bank yang telah ditetapkan oleh IPT masing-masing kecuali kepada pemohon yang mengikuti pengajian di IPT yang memberi kemudahan pra-pembukaan akaun bank untuk pelajarnya.

In 2014, over 45,000 National Higher Education Fund (PTPTN) loan defaulters have come forward to settle their unpaid loans totaling RM23.44mil.

These defaulters had come forward to settle their dues following legal action initiated against 132,801 defaulters which included blacklisting them with immigration authorities.

Following this, some 45,550 loan defaulters came forward to negotiate loan repayment with the PTPTN administrator with the amount at RM23.44mil
Graduates were given 16 months upon graduation to secure a job and start loan repayment, after which three-reminders would be issued to defaulters over a period of six months before legal action is initiated against them.
PTPTN will blacklist the names of loan defaulters if not repayment is made to the corporation within 20 months.

130,000 loan defaulters had been blacklisted so far, but 45,000 of them had taken the initiatives to discuss with PTPTN to have their names taken out of the list.

PTPTN had also set a target to increase its debt collection by 23 per cent this year through salary deduction.

Legal action and blacklisting them with the immigration authorities would only be the last resort. What is important is for them (loan defaulters) to come forward to negotiate their repayments

45,550 PTPTN blacklisted borrowers made loan repayments :
In 2013, more than 16,000 first class honors graduates need not repay PTPTN loan

A total of 16,051 students who borrowed from the National Higher Education Fund Corporation (PTPTN) need not repay their study loans for having passed with a First Class Bachelors Degree during the period from Oct 1, 2012 to Jan 31, 2013.
The students concerned were exempted from repaying their loans after the PTPTN converted the status of their loan to a scholarship.
Up to January 31 2013, Malaysian government through the PTPTN had converted study loans amounting to RM450.47 million to scholarships in appreciation of the students' diligence in obtaining the first class degree.
Those who had obtained the first class honors bachelors degree need to apply for conversion of the status of their loans to scholarships at any of the PTPTN branches.
17,317 borrowers had repaid their loans with a discount of 20 per cent between Oct 1, 2013 and Jan 1, 2013 involving a discount of RM62.11 million.

953 borrowers who had been blacklisted had settled their loans amounting to RM5.1 million.
PTPTN allocated RM4.24 billion for disbursement to students in 2013.
As of Jan 31, 2013, the PTPTN had approved loans to 2.15 million students involving an allocation of RM48.27 billion.

September 2012 -
PTPTN blacklists borrowers served with Letter of Demand
Loan borrowers who are summoned by the court and severed with a Letter of Demand (LOD) will be blacklisted by the National Higher Education Fund Corporation (PTPTN).

Under Section 22A of the PTPTN Act 1987 or Act 556, blacklisted defaulters could be banned from leaving the country. PTPTN loan borrowers would only be blacklisted if they continued to ignore countless warnings.

From August 2008 until July 2012, PTPTN had blacklisted and prohibited 132,801 defaulters from leaving the country through the Immigration Department.
Until July 31, 2012 a total of 104,983 court summons were issued against errant borrowers, who borrowed loans totaling RM1.67 billion, of which 104,102 summons through panel lawyers and 881 by PTPTN legal officers. 79,669 summons were cancelled by the court, of which 4,282 made adjustments of between from three and five per cent yearly to one per cent yearly involving repayment of RM3.65 million.

FELDA to bear part of PTPTN loans from 2012 onward
Felda will bear part of the National Higher Education Fund Corporation (PTPTN) loans given to the children of its land scheme settlers. This was part of Felda's efforts to expand its role in line with its principle of sharing wealth with the people.

"Felda has agreed to share the burden of repaying the PTPTN loans given to the children of its settlers,...This decision by Felda will help lessen the government's financial burden, besides demonstrating Felda's success, especially in getting Felda Global Ventures Holdings listed on Bursa Malaysia....With the additional funds obtained, Felda agreed to allocate part of it for the 'rakyat' (people)."

Prime Minister Datuk Seri Najib Tun Razak who announced 2012-09-06

Felda would be allocating about RM15 million for the purpose in 2012. Felda also extend its skills training scheme to the children of non-Felda settlers. 2,000 of them would be given the opportunity to undergo skills training programmes such as the Malaysia Airlines Aircraft Maintenance Engineering training scheme and courses conducted by other institutions. 12,000 houses in the traditional villages would also be repaired and rehabilitated through Felda.


772,200 Student Borrowers have settled their PTPTN loans as of July 2012

A total of RM3.43 billion (as of end-July, 2012) have been collected from students who borrowed from the National Higher Education Fund Corporation (PTPTN). The increase in loan recovery showed that the students were aware of their responsibility.
More than 772,000 borrowers, which make up 70.63% of those who had taken loans from the fund, have settled their accounts.
PTPTN has helped 1.2 million borrowers with loans worth RM7.33 billion.
In 2012, PTPN announced that borrowers can pay as little as RM50 a month.
Those who had achieved excellent results in their studies could be exempted from repaying their loans.
Up to July 31, some 13,011 borrowers who obtained first class degrees or its equivalent had been exempted from paying back their dues, amounting to more than RM370 million.
Due to the positive results of the campaign, two more PTPN branches are due to open soon in Sabah and Sarawak.
Do Your Job Right, PTPTN :

Government of Malaysia offer this education loan to Malaysian students.
All students are eligible to apply.
The interest is 4% maximum.
Students undergraduate or postgraduate all can still apply for PTPTN.
Information from main website,, include application form, deferment form etc.

But education study loan is a LOAN and not SCHOLASHIP.
But those get First Class Degree can convert the education loan to scholarship.
Once your study is completed, the student have to pay the loan amount back.
Payable via CIMB or Maybank.


Education and study loans available for students registered for Diploma and Degree programmes are:

National Higher Education Fund / Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN)

The National Higher Education Fund / PTPTN was established under the National Higher Education Act 1997 (Act 566), with the main objectives to provide loans to eligible students at higher learning institutions, to provide saving schemes and to manage funds for higher education.

Eligibility criteria
All students gaining admission into approved courses at local public or private universities / colleges are eligible irrespective of the academic performance or financial background.

Loan coverage
The loan covers RM5,000 per year for a Diploma course and RM16,000 per year for a Degree course.

How to apply
Students can purchase the application form from the Cashier Counter at your colleges or from the PTPTN office. Forms are currently available at RM5.00.

Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN)

Lot G1, Tingkat Bawah
Wisma Chase Perdana
Off Jalan Semantan
Damansara Heights
50490 Kuala Lumpur

Tel : 03-20983731
Fax : 03-50942769
Website :

Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) Loan (For Diploma & Degree Student Only)

U.P: Cik Hakimah Shafie

Started from 1st August 2008, the PTPTN Loan application only available through online at this website However, in order for the students to apply the loan through online, there are few steps that the students need to follows:-

Other related links:
Eligibility Criteria

• Malaysian Citizen
• SPM - with minimum 3 Credits
• Full-time enrolled Diploma & Degree student of Curtin Sarawak Malaysia (CSM)
• Full-time enrolled Degree student of Curtin Sarawak Malaysia (CSM)
• Must have at least one more year of study at CSM at point of applying PTPTN
• Existing CSM Foundation student must obtain 5 credits in SPM
• Not presently holding other scholarships/loans (including PTPTN)

Amount Of Award & Duration

• Maximum RM 16,000 per annum For Commerce or Arts programme
• Maximum RM 16,500 per annum Engineering & Science programme
• Maximum RM8,000 per annum for Diploma in Business programme
• Duration based on agreement signed with PTPTN

Address / Checklist

• Students are also required to submit relevant documents such as SPM results, Letter of Offer as indicated in the checklist.

Lot G2, Tingkat Bawah
Wisma Chase Perdana
Off Jalan Semantan
Damasara Height
50490 Kuala Lumpur /
Tel: 03-20986734
Offer / Closing Date / Other Remarks

• Due dates:
First intake
15th April and 15th May

Second Intake
15th August and 15th September

• As PTPTN holder, it is your responsibility to read and understand the PTPTN FAQ.
For any enquiry regarding any issues and latest info regarding PTPTN, please refer to

National Higher Education Fund /
Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN)

The National Higher Education Fund / PTPTN was established under the National Higher Education Act 1997 (Act 566) with the main objectives to provide loans to eligible students at higher learning institutions, provide saving schemes, and manage funds for higher education.
Eligibility criteria

In order to apply for PTPTN loan, the student has to meet the following criteria:
Malaysia citizen
Registered in the course and/or started his intake
Free from any other loans or scholarships
Course or programme duration must be at least 1 year (Level 3 is not eligible for PTPTN loan)
Only Diploma (Part I & II) and Degree (Levels 1 & 2) programme are eligible for applying for PTPTN loan (Degree Foundation programme is not eligible)
For Degree programme, student must have
• APIIT-UCTI Foundation result
• or Diploma certificate and transcript from APIIT-UCTI or other colleges
• or STPM with 2.00 and above for 2 subjects including General Paper
• or A-Levels
Note: Foundation or matriculation programme from other colleges and UEC are not eligible to apply for PTPTN loan for the whole degree programme
Loan coverage

The loan covers RM8,000 per year for a Diploma course and minimum of RM10,500 and maximum of RM16,500 per year for a Degree course.
How to apply

You will need to fill up the form available here and purchase PIN number from Bank Simpanan Nasional (BSN). Current price is RM5.
Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN)
Lot G1, Tingkat Bawah
Wisma Chase Perdana
Off Jalan Semantan
Damansara Heights
50490 Kuala Lumpur

Tel: 03 - 20983731
Fax: 03 - 50942769




Applicant's Eligibility

1 • Must be a Malaysian citizen
2 • With effect from 1 July 2005, applicants must not be over 45 years old as at date of application
3 • Obtain at least three credits in the Sijil Pelajaran Malaysia (SPM) examination
4 • For public university (IPTA) students, they must enrol for courses approved by the Department of Higher Education, Ministry of Higher Education
5 • For Polytechnic students, they must be enrolled in courses approved by the Department of Polytechnics and Community College Education, Ministry of Higher Education
6 • For students from private higher educational institutions (IPTS), they must enrol for courses approved by the Private Higher Education Management Sector, Ministry of Higher Education and the course enrolled must be accredited by the National Accreditation Board (MQA/LAN)
7 • Must not be receiving any other form of financial aid from other bodies / agencies / foundations
8 • The remaining study duration should not be less than one year
9 • Need to have two guarantors and they must be the parents of the borrower


• Type 1 - Master's degree, PhD and professional courses at public universities (IPTA):

1 Master's degree students - maximum RM10,000 per year
2 PhD students - maximum RM26,000 per year
3 Professional course - maximum RM6,000 per year

• Type 2 - First Degree:

1 For IPTA students - from RM1,100 to RM6,500 per year (an additional RM500 will be given to Science students)
2 For IPTS students (except UNITAR) - from RM10,000 to RM1 6,000 per year (an additional RM500 will be given to Science students)
3 For UNITAR students - from RM8,000 to RM10,000 per year
4 For Open University Malaysia students - RM4,200 per year
5 For Medical students (MBBS/MD) - maximum RM30,000 per year
6 For Allied Science students - maximum RM20,000 per year

• Type 3 - Diploma level:

1 For IPTA students RM1,000 to RM5,000 per year
2 For IPTS students maximum RM8,000 per year
3 For Open University Malaysia maximum RM3,700 per year

Administrative Charges : The administrative charge imposed by PTPTN on amount borrowed is 3% per annum on reducing balance.
Insurance : Students are required to obtain insurance on amount borrowed and all nthe premium deductions will be made on their behalf by PTPTN.


  Total Loan Amount (Principle) Repayment of loan begins six months after the end of the loan period.

Repaymenr period as following :

1 RM10,000 and below 5 years
2 RM10,001 -RM22.000 10 years
3 RM22.001 - RM50,000 15 years
4 RM50,001 and above 20 years

1 AMMA Foundation Study Loan
2 Bakun Charitable Trust
3 Employees Provident Fund (Account II) Withdrawal Scheme for Education
4 The Public Service Department (JPA) Local & Overseas Sponsorship Programmes
5 Biasiswa Kerajaan Negeri Sabah Scholarship (For Degree Student Only)
6 The Public Service Department (JPA) Local & Overseas Sponsorship Programmes
7 Pinjaman Latihan Kemahiran
8 Majlis Amanah Rakyat (MARA) Study Loan
9 MARA Scholarship Programs
10 Ministry of Higher Education - Scholarship Division
13 PTPTN - Perbadanan Tabung Pendidikan Tinggi Nasional
14 The Social Security Organisation (SOCSO) Education Fund
16 Yayasan Khazanah Global Scholarship
17 Yayasan Sabah Group
18 Yayasan Sarawak Study Loan
19 Yayasan Tunku Abdul Rahman scholarship
20 YPPB Yayasan Peneraju Pendidikan Bumiputera scholarship