Higher Education Fund

PTPTN

What is PTPTN Loan?

Now that many of you have been accepted into Diploma programs, you may apply to PTPTN. But some of you may not even be aware of this. To those who are aware, there may be some grey areas that are filled with doubt. So let us explain to you how PTPTN works, right from the requirements all the way to paying them back, and everything in between.

The PTPTN Education Loan Scheme was established with the purpose of providing educational loans to students studying in Higher Education Institutions locally. These loans will enable students to finance a full or partial tuition fee and living cost during the study period, thus, opening up more opportunities for all students to pursue higher education.

Minimum Requirement

What courses do they cover?

Diploma
(Full-time/Part-time)

IPTA, Politeknik and IPTS*

Diploma
(PJJ)

IPTA

Advanced Diploma

IPTA and Politeknik

First Degree
(Full-time/Part-time)

IPTA and IPTS*

Professional Courses
(Full Time/Part-time/PJJ)

IPTA

PhD
(Full-time/Part-time/PJJ)

IPTA

Masters
(Full-time/Part-Time/PJJ)

IPTA

How much do they sponsor?

Peringkat Pinjaman Kelayakan
Maksimum
Sekiranya pelajar atau penjaga pelajar disenaraikan sebagai penerima Bantuan Sara Hidup Rakyat (BSH)
75% daripada pinjaman maksimum
Pendapatan keluarga tidak melebihi RM8,000 (tiada dalam data BSH)
50% daripada pinjaman maksimum
Pendapatan keluarga melebihi RM8,000 (tiada dalam data BSH)

List for Full Time Students

List of PTPTN loans offered and eligibility criteria

Univeriti Awam, Politeknik & Kolej Komuniti

 
Institusi Peringkat Pengajian Jumlah Pinjaman Setahun Mengikut Peringkat
Univeriti Awam, Politeknik
&
Kolej Komuniti
Maksimum
75%
50%
RM
RM
RM
Integrasi / Diploma
4,750
3,560
2,380
Ijazah Sarjana Muda (Sains)
6,650
4,990
3,330
Ijazah Sarjana Muda (Sastera)
6,180
4,630
3,090
Ijazah Sarjana (Master)
9,500
7,130
4,750
Doktor Falsafah (PhD)
24,700
18,530
12,350
Kursus Profesional
5,700
4,280
2,850

List of PTPTN loans offered and eligibility criteria

The Private Higher Education Institution (IPTS)

 
Institusi Peringkat Pengajian Jumlah Pinjaman Setahun Mengikut Peringkat
The Private Higher
Education Institution (IPTS)
Maksimum
75%
50%
RM
RM
RM
Foundation
6,800
5,100
3,400
Diploma
6,800
5,100
3,400
Diploma (Farmasi, Pergigian & Sains Kesihatan)
12,750
9,560
6,380
Ijazah Sarjana Muda (Sains)
14,030
10,520
7,010
Ijazah Sarjana Muda (Sastera)
13,600
10,200
6,800
Ijazah Sarjana Muda (Farmasi, Pergigian & Sains Kesihatan)
17,000
12,750
8,500
Ijazah Sarjana Muda Perubatan (MBBS)
* 50,000
* 37,500
* 30,000

How much do they sponsor?

Peringkat Pinjaman Kelayakan
Maksimum
Sekiranya pelajar atau penjaga pelajar disenaraikan sebagai penerima Bantuan Sara Hidup Rakyat (BSH)
75% daripada pinjaman maksimum
Pendapatan keluarga tidak melebihi RM8,000 (tiada dalam data BSH)
50% daripada pinjaman maksimum
Pendapatan keluarga melebihi RM8,000 (tiada dalam data BSH)

List for Full Time Students

List of PTPTN loans offered and eligibility criteria

Univeriti Awam, Politeknik & Kolej Komuniti

 
Institusi Peringkat Pengajian Jumlah Pinjaman Setahun Mengikut Peringkat
Univeriti Awam, Politeknik
&
Kolej Komuniti
Maksimum
75%
50%
RM
RM
RM
Integrasi / Diploma
4,750
3,560
2,380
Ijazah Sarjana Muda (Sains)
6,650
4,990
3,330
Ijazah Sarjana Muda (Sastera)
6,180
4,630
3,090
Ijazah Sarjana (Master)
9,500
7,130
4,750
Doktor Falsafah (PhD)
24,700
18,530
12,350
Kursus Profesional
5,700
4,280
2,850

List of PTPTN loans offered and eligibility criteria

The Private Higher Education Institution (IPTS)

 
Institusi Peringkat Pengajian Jumlah Pinjaman Setahun Mengikut Peringkat
The Private Higher
Education Institution (IPTS)
Maksimum
75%
50%
RM
RM
RM
Foundation
6,800
5,100
3,400
Diploma
6,800
5,100
3,400
Diploma (Farmasi, Pergigian & Sains Kesihatan)
12,750
9,560
6,380
Ijazah Sarjana Muda (Sains)
14,030
10,520
7,010
Ijazah Sarjana Muda (Sastera)
13,600
10,200
6,800
Ijazah Sarjana Muda (Farmasi, Pergigian & Sains Kesihatan)
17,000
12,750
8,500
Ijazah Sarjana Muda Perubatan (MBBS)
* 50,000
* 37,500
* 30,000

List for Part Time Students

List of PTPTN loans offered and eligibility criteria

Univeriti Awam, Politeknik & Kolej Komuniti

 
Institusi Peringkat Pengajian Jumlah Pinjaman Siling Setahun
Univeriti Awam, Politeknik
&
Kolej Komuniti
RM
Diploma
4,750
Ijazah Sarjana Muda
6,180
Ijazah Sarjana (Master)
9,500
Doktor Falsafah (PhD)
24,700
Kursus Profesional
5,700

List of PTPTN loans offered and eligibility criteria

The Private Higher Education Institution (IPTS)

 
Institusi Peringkat Pengajian Jumlah Pinjaman Siling Setahun
The Private Higher
Education Institution (IPTS)
RM
Diploma
* 5,050
Ijazah Sarjana Muda
* 5,470

List for Part Time Students

List of PTPTN loans offered and eligibility criteria

Univeriti Awam, Politeknik & Kolej Komuniti

 
Institusi Peringkat Pengajian Jumlah Pinjaman Siling Setahun
Univeriti Awam, Politeknik
&
Kolej Komuniti
RM
Diploma
4,750
Ijazah Sarjana Muda
6,180
Ijazah Sarjana (Master)
9,500
Doktor Falsafah (PhD)
24,700
Kursus Profesional
5,700

List of PTPTN loans offered and eligibility criteria

The Private Higher Education Institution (IPTS)

 
Institusi Peringkat Pengajian Jumlah Pinjaman Siling Setahun
The Private Higher
Education Institution (IPTS)
RM
Diploma
* 5,050
Ijazah Sarjana Muda
* 5,470

Exception of PTPTN

What exemptions are there?

PTPTN waiver will only be eligible for First Class Honour students that come from M40 and B40 families.

Do note however that First Class Honours may differ from university to university, so make sure you check with your counsellors so that you know what to aim for. Generally, however, First Class Honours typically requires you to have at least CGPA of 3.67/4.00, or higher.

Exception of PTPTN

What exemptions are there?

PTPTN waiver will only be eligible for First Class Honour students that come from M40 and B40 families.

Do note however that First Class Honours may differ from university to university, so make sure you check with your counsellors so that you know what to aim for. Generally, however, First Class Honours typically requires you to have at least CGPA of 3.67/4.00, or higher.

Repayment of PTPTN

What About The Repayment?

As far as PTPTN goes, you will need to start making payments 12 months after you graduate, with or without notice from PTPTN. Evidently, many have failed to note the very important statement, with the news of droves of people being blacklisted coming to light in recent times. The time allotted for an individual to complete the repayment depends on the amount borrowed.

5 years

Less than RM10,000

10 years

RM10,000-RM22,000

15 years

RM22,000-RM50,000

20 years

More than RM50,000

Friendly reminder

Be sure to pay back PTPTN Loan.

Be sure to pay back PTPTN Loan.

The rise of PTPTN defaulters (people who fail to pay up their loans) over the past few years has resulted in the government imposing a series of measures to deter borrowers from defaulting.

Although some of these measures like the travel ban have been lifted, the blacklisting of PTPTN defaulters in the Central Credit Reference Information System (CCRIS) is still ongoing. CCRIS is a system that stores financial information on Malaysian borrowers and is used by banks to determine if you are a good or bad borrower.

Being blacklisted on CCRIS is a serious matter, as this could mean that you will likely be rejected immediately whenever you apply for credit cards, home loans or personal loans. As such, it is crucial that you do not default on your PTPTN loan.

Friendly reminder

Be sure to pay back PTPTN Loan.

The rise of PTPTN defaulters (people who fail to pay up their loans) over the past few years has resulted in the government imposing a series of measures to deter borrowers from defaulting.

Although some of these measures like the travel ban have been lifted, the blacklisting of PTPTN defaulters in the Central Credit Reference Information System (CCRIS) is still ongoing. CCRIS is a system that stores financial information on Malaysian borrowers and is used by banks to determine if you are a good or bad borrower.

Being blacklisted on CCRIS is a serious matter, as this could mean that you will likely be rejected immediately whenever you apply for credit cards, home loans or personal loans. As such, it is crucial that you do not default on your PTPTN loan.

Application

How To Apply For PTPTN Loan?

Open an SSPN-i account

You can do this at any PTPTN counters, or at Maybank, Bank Islam, BSN, CIMB Bank, Agrobank or Bank Rakyat.

Open a savings account

You will need to open a savings account with a specific bank based on your choice of institution (IPTS panel banks; IPTA panel banks)

Buy a PTPTN number

This will cost you RM5 and is valid for six months from Bank Simpanan Nasional (BSN)

Head to Peninsula Registry Department

Once compiling the necessary documents, submit them to our friendly staff at the Peninsula Registry Department and you're done!

Confused ?

Then feel free to contact us!
marketing@peninsulacollege.edu.my

Follow Instruction

Complete the application form carefully based on the instructions given in the website to prevent re-application.

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