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
- 1. You are a Malaysian citizen.
- 2. You are aged 45 years and below.
- 3. You must already have an offer to study at an institution of higher learning (both public and private institutions - colleges, universities and polytechnics are accepted).
- 4. The course that you are pursuing is approved and accredited by MQA (Check if your course is accredited by MQA).
- 5. The remaining period of your study must not be less than one year.
- 6. You have no other sponsors.
- 7. You must have an SSPN-i savings account before sending in your application.
Campus List
Student Life
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.
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.
