Wednesday, 08 January, 2020 12:24:51 AM

Higher Education in Malaysia  >  Study Loan  >  PTPTN

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



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 loan holders 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.

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.

Loan amount

Type of Loan

Field of Study

Amount per annum (RM)












Chinese Medicine







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.


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