How to Apply for PTPTN Loan to Study Degree & Diploma Courses in Malaysia

PTPTN Loan for Diploma & Degree Studies at Private Universities & Colleges in Malaysia

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Students nowadays have the opportunity to complete a diploma or degree programme at a private college or university with the support of the PTPTN Loan which covers some of the tuition costs at a very low interest rate of 1%. Students must note that the PTPTN Loan is not available for

Students should be wary of colleges that promise them that they are guaranteed the PTPTN Loan, the loan is not guaranteed and is generally obtained if you meet all the necessary requirements. The loan is controlled by PTPTN and not by the colleges or universities.

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Information on How to Apply for the PTPTN Loan at Private Universities and Colleges in Malaysia

Most universities and colleges will have a special department and staff to help you to make all the necessary arrangements for the loan so you do not need to worry about it. They will brief you about it during Orientation

Please note that generally, you have to pay the First Semester Fees first and then apply for the loan, which would take 2-3 months to process. The loan should be given out in time for the second semester but if it doesn’t happen in time, you have to prepare the fees for the Second Semester. 

The information on the PTPTN Loan below is for reference only and EduSpiral Consultant Services shall not be held liable should the information change. It is the responsibility of the student to check with the college or university on the details or contact PTPTN directly for the latest information.

PTPTN Loan Information for Diploma and Degree Programs in Malaysia

Courses that are accredited by the MQA can only be eligible for the PTPTN Loan. Certain exceptions are made for courses that are under Provisional Accreditation.

Students are eligible to apply for education loans if they fulfill the following conditions: Malaysian citizens;

  1. Not exceeding 45 years of age on date of application;
  2. Passed Malaysia Certificate of Education (SPM) with credits in any 3 subjects;
  3. Passed SPM for Community College Certificate and Polytechnic Diploma graduates with CGPA 3.0 and above;
  4. IPTA/IPTS/Polytechnic students must register to pursue courses approved by the IPT Management Department (IPTA/IPTS)/Polytechnic Management Department and Community College of the Ministry of Higher Education;
  5. IPTS students must obtained the Accreditation Certificate from the Malaysian Qualifications Agency (MQA). The course and Accreditation Certificate approval period must still be valid on the date of application;
  6. All students must possess entry requirements determined by the Ministry of Higher Education to pursue the course. For students with qualifications that differ from that stipulated, verification that the said qualification is equivalent to the required qualification must be obtained from departments or agencies specified as above;
  7. The remaining period of study upon application must exceed one year;
  8. Have no other sponsor; and
  9. Student must have SSPN account before making application.

NOTE :Students with 1 credit in SPM taking the Certificate Course cannot take the PTPTN Loan for the Certificate and will not be able to take the loan for Certificate course. They can apply for the loan for the Diploma & Degree courses subsequently.

PTPTN Loan Amount

MAKSIMUM(RM) 75%(RM) 50%(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) 30,000 30,000 30,000

Peringkat jumlah pembiayaan ditentukan berdasarkan kelayakan di bawah:-




Sekiranya pelajar atau penjaga pelajar disenaraikan sebagai penerima Bantuan Rakyat 1 Malaysia (BR1M)

75% daripada pembiayaan maksimum

Pendapatan keluarga tidak melebihi RM8,000  (tiada dalam data BR1M)

50% daripada pembiayaan maksimum

Pendapatan keluarga melebihi RM8,000 (tiada dalam data BR1M)

As of 1 November 2014, PTPTN will reduce the total loan amount for their new applicants. For private higher education institution, a total of 15 % from the previous total loan amount will be deducted. PTPTN will also use the Bantuan Rakyat 1Malaysia (BR1M) data to determine the amount eligible to the applicants. However, total loan amount for the program of Doctor of Medicine will remain the same. There are three levels of loan amount designed by PTPTN to determine the amount eligible to the applicants. The details of the loan level are as below:

No Level Description of Eligibility
1 Maximum Student’s or parents’ names are listed as recepient of BR1M
2 75% from maximum loan amount Family income lower than RM8,000 (names not listed in BR1M)
3 50% from maximum loan amount Family income higher than RM8,000 (names not listed in BR1M)

Below is the comparative table for old and new loan amount for each semester. The calculation is based on the guideline by PTPTN and has been rounded off to zero decimal place. The exact amount will be determined by PTPTN. The loan will be disbursed twice a year (long semester only).

Income group Old Loan Amount Table New Loan Amount Table
RM4,000 and below RM4,001 – RM5,000 RM5,001 and above Maximum 75% 50%
Full loan Partial loan Tuition fee
First Degree – Engineering & Science RM8,250 RM6,750 RM5,000 RM7,013 RM5,259 RM3,506
First Degree – Business & Arts RM8,000 RM6,500 RM5,000 RM6,800 RM5,100 RM3,400
Diploma – Engineering & Science RM4,000 RM4,000 RM4,000 RM3,400 RM2,550 RM1,700
Diploma – Business & Arts RM4,000 RM4,000 RM4,000 RM3,400 RM2,550 RM1,700
Diploma in Nursing RM7,500 RM7,500 RM7,500 RM6,375 RM4,781 RM3,187.50
Bachelor of Nursing RM10,000 RM10,000 RM10,000 RM8,500 RM6,375 RM4,250
Bachelor of Pharmacy RM10,000 RM10,000 RM10,000 RM8,500 RM6,375 RM4,250
Doctor of Medicine RM15,000 RM15,000 RM15,000 RM15,000 RM15,000 RM15,000

Please click here to view the circulation by PTPTN regarding the new loan amount policy.

 Mode of Payment Payment from PTPN will be made TWICE a year directly into the university’s account. Students must make payment of first semester’s tuition fees to the university and then apply for the PTPN Loan for it to come into effect for the second semester.Eligibility for the 2nd Payment and onwards Student must obtain GPA 2.0 and above in order to continue enjoying the loan.
  • The first loan payment is released only after the completed agreement is received by PTPTN.
  • Subsequent payments will be made after PTPTN receives confirmation from the IPT
  • The loan payment is credited directly to the student’s account.
  • Repayment of education loan / financing starts 6 months after graduation / education financing. You have between 5-20 years to pay back depending on the loan amount.
  • The loan rates are 1% per annum on flat rate

Eligibility and application conditions for graduates who achieved First Class Honours

  • Open to undergraduates at public and private higher education institutes who obtained a first class honours (private higher education institute students must pursue courses with Accreditation Certification from the Malaysian Qualifications Agency, MQA).
  • Students whose applications were approved before 1 July 2005 are still eligible for the repayment exemption and there is no closing date for the above sponsorship.
  • Students who complete their studies by obtaining a bachelor’s degree with first class honours or equivalent from 1 January 2010 based on the approval of the senate and meet the following conditions are eligible to be considered for the incentive of converting the education loan into a scholarship:
  • Took the course on a full-time basis;
  • Completed their studies within the period stipulated in the PTPTN loan agreement;
  • The PTPTN financing does not overlap with any other sponsorship;
  • Students must submit a proper application to PTPTN within twelve (12) months of the date of graduation during the convocation; and
  • The courses taken by students in private higher education institutes have been accredited by the Malaysian Qualifications Agency (MQA).

Document for repayment exemption application

Students who wish to avail themselves of this facility must submit an application to PTPTN by submitting the following documents:

  • Official application letter
  • Copy of  bachelor’s degree with first class honours or its equivalent as certified by the Academic Department of the public/private higher education institute concerned;
  • Copy of the examination transcript certified by the Academic Department of the public/private higher education institute concerned;
  • Student Declaration PTPTN-P-04/4-2007 Pin.3 which has been duly completed; and
  • Copy of the Accreditation Certification from the Malaysian Qualifications Agency (MQA).

Application for education loans can be made as follows:

  • Applicants must apply for education financing online through the Online Loan Application Website at
  • Applicants are  allowed to apply based only on the date set by the respective higher education institutes. Information on the dates to make applications in accordance with the relevant institutions can be found on the PTPTN website (
  • Applicants need to buy a PIN number for RM5.00 which is available at all branches of the Bank Simpanan Nasional through the 3 channels stated below before making the initial registration for education financing application:-
  1. Counter
  2. Automated teller machine(ATM)
  3. Cash deposit machine (CDM)

The PIN number is valid for only 6 months after the date of application registration (initial registration).

  • Applicants must have received the offer of admission to a higher education institute prior to applying for education financing.
  • Applicants must have an individual account number in the bank specified by the respective institution, except for applicants studying in an institution that provides the facility of pre-opening bank accounts for its students.
  • Applicants furthering their studies at master / PhD (full time) under the financing of the Second Economic Stimulus Package (mini budget) from the Ministry of Higher Education must select a course that begins with the words “Mini Budget” in the Programme / Course Name.
  • Applicants can check their application results via the PTPTN Online Loan Aplication Website from the 6th day (working day) after the online closing date prescribed by PTPTN.
  • Successful applicants must browse the PTPTN Loan Application Online Website to print the documents listed.
  • Please ensure your computer has Adobe Acrobat Reader software for the purpose of printing the document. The software can be downloaded from the website, Please click on the icon ‘Get ADOBE READER’ and install it on your computer.\
  • The documents listed below must be printed on white A4 paper (80 gsm). Print only on one side of each sheet (for each page). The ink must be black.

i.   Prepare 2 sets (a printed set and a photocopied set are allowed) of the Education Financing Offer Letter (together with Acknowledgement of Receipt, Approval Letters 1, 2, 3 and 4). Please completeand sign both sets of the documents **.

ii.    Prepare 2 sets (a printed set and a photocopied set are allowed) of the Education Financing Agreement. Please complete and sign both sets of documents **.

iii. Prepare 2 sets (a printed set and a photocopied set are allowed) of the Education Financing Agreement

Appendix. Students are required to initial on each page in the space provided at the bottom of the document **.

iv.  Prepare 2 revenue stamps worth RM10.00 each. Each set of the Education Financing Agreement that has been completed must be affixed with a revenue stamp worth RM10.00 at the top right corner of the front page. 

Note** The complete sets of the document are for the purpose of filing and reference of the loan recipient and PTPTN.

Recipients are also required to submit ONE (1) COPY of CERTIFIED / SIGNED supporting documents as follows:

  • Financing Application Information to be printed by clicking on the PRINT INFORMATION button in the Online Application Website after registration. – This document does not need to be certified
  • Copy of the recipient’s identity card. Photocopy of the front and back of the card to appear on the same page.
  • Copy of Sijil Pelajaran Malaysia (SPM / SPMV). The SPM / SPMV result slip is valid for use only  if it does not exceed 2 years from the year of examination.
  • Copy of letter of admission offer into a higher education institute. The letter printed from the internet / portal of a higher education institute must be certified by a Group A Officer of the institute concerned only.
  • Copy of  account passbook (page with the account number displayed) / bank deposit slip / verification of personal account number by the bank specified by the higher education institute. This document is  to be provided only in the event of error in the account number in the recipient’s agreement document.
  • Copy of examination transcript and other admission qualification certificates.
  • Example: STPM / diploma / matriculation / bachelor / master.
  • Copy of salary slip / income tax return (individual) / retiree card/ pension statement / income verification letter / letter ofconfirmation of unemployment – FIRST GUARDIAN (1).
  • Copy of salary slip / income tax return (individual) / retiree card / pension statement /income verification letter / letter of confirmation of unemployment – SECOND GUARDIAN (2).
  • Copy of pay slip / copy of income tax return (individual) / income verification letter – RECIPIENT (if the recipient is still working).
  • Copy of salary slip / income tax return (individual) / income verification letter / letter of confirmation of unemployment – SPOUSE OF RECIPIENT (if the recipient is married)
  • Letter of Confirmation / Declaration of the Social Welfare Department / Central Zakat if receiving monthly from the relevant Agency-RECIPIENT COST / parents / GUARDIAN.
  • Work Experience Verification Letter from Employer. (For the recipient, the cost of using the experience as one of the entry qualification) For students who submit applications in semester 2 and above, the following additional documents are required:
  • Confirmation letters are still learning from the IPT and
  • Copy of the results of all previous semesters. (All supporting documents must photocopy of an A4 size paper using qualified and certified officials. Information about the officers eligible to certify documents can be obtained from PTPTN website.)


10 thoughts on “How to Apply for PTPTN Loan to Study Degree & Diploma Courses in Malaysia

  1. If I already apply the loan for accounting degree in public … can I continue the loan for taking ACCA in public university ?

    1. First, PTPTN loan is not offered for any professional papers like ACCA. Second, ACCA is not offered at any public university

  2. Hello? i wanted to ask. what is the maximum that ptptn can loan to me if i study in a private university in pharmacy or dentistry?

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