Table of Contents
Step 1: Know The PTPTN Conditions
What Is PTPTN And What Does It Cover?
PTPTN or Perbadanan Tabung Pendidikan Tinggi Nasional is a government institution established to provide study loans to Malaysian students for their local tertiary education.
The loan covers foundation, diploma, degree, and postgraduate studies across both private and local institutions.
Who Is Eligible To Apply For PTPTN Loan?
To submit a PTPTN application, you need to fulfil the following criteria:
- Must be a Malaysian citizen.
- Under 45 years old.
- Minimum of 3 credits in SPM or possessing a recognised Pre-University/Diploma qualification.
- Gross monthly income of your parents or guardians must not exceed RM50,000 (after deducting RM250 per dependent)
- Admitted to a registered higher education institution.
- Courses offered must be approved by the Ministry of Education, registered with PTPTN, and recognised by the Malaysian Qualifications Agency (MQA).
- The remaining period of study upon application must exceed one year.
- Open an SSPN Prime / SSPN Plus account before applying for a PTPTN loan.
How Much PTPTN Can You Borrow?
The amount of PTPTN loan you qualify for is based on the level and type of course and your family income bracket (B40, less than or more than RM8,000 per month).
PTPTN Loan amount disbursed per year for Private Institutions (IPTS):
| Education Level & Course Type | Maximum Loan (STR/B40) | 75% Loan (< RM8,000) | 50% Loan (> RM8,000) |
| Foundation (Only at selected IPTS) | RM 6,800 | RM 5,100 | RM 3,400 |
| Diploma (Business, Arts, General) | RM 6,800 – RM 8,000* | RM 5,100 | RM 3,400 |
| Diploma (Pharmacy, Dentistry, Health) | RM 12,750 | RM 9,560 | RM 6,380 |
| Degree (Business, Arts, Humanities) | RM 13,600 | RM 10,200 | RM 6,800 |
| Degree (Science & Engineering) | RM 14,030 | RM 10,520 | RM 7,010 |
| Degree (Pharmacy, Dentistry, Health) | RM 17,000 | RM 12,750 | RM 8,500 |
| Degree (Medicine – MBBS) | RM 50,000 | RM 37,500 | RM 30,000 |
PTPTN Loan amount disbursed per year for Public Institutions (IPTA):
| Education Level & Course Type | Maximum Loan (STR/B40) | 75% Loan (< RM8,000) | 50% Loan (> RM8,000) |
| Foundation / Pre-University | Not Eligible | Not Eligible | Not Eligible |
| Diploma / Integration | RM 4,750 | RM 3,560 | RM 2,380 |
| Degree (Arts & Humanities) | RM 6,180 | RM 4,630 | RM 3,090 |
| Degree (Science) | RM 6,650 | RM 4,990 | RM 3,330 |
| Professional Courses (e.g., ACCA) | RM 5,700 | RM 4,280 | RM 2,850 |
| Postgraduate (Master’s) | RM 9,500 | RM 7,130 | RM 4,750 |
| Postgraduate (PhD) | RM 24,700 | RM 18,530 | RM 12,350 |
Remember that these numbers represent the amount disbursed per year. To calculate your total loan, simply multiply the annual amount by the total number of years for your specific course (
For example, studying a Medicine Degree in an IPTS coming from a family income of less than RM8,000 per month – take the 75% loan tier of RM37,500, multiply by 5 years being the duration of the programme, you get a total of RM187,500 loan amount.
Typically, Foundation courses are not eligible. However, selected Private Institutions below are eligible for PTPTN loans:
- Universiti Multimedia (MMU)
- Universiti Tenaga Nasional (UNITEN)
- Universiti Teknologi Petronas (UTP)
- Universiti Tun Abdul Razak (UNITAR)
A PTPTN degree loan may only cover part of your study fees. Hence, even if you are a university student, it is advisable to plan your finances carefully to avoid any gaps in funding for your tertiary education!
Step 2: Open An SSPN Account
Open a Skim Simpanan Pendidikan Nasional (SSPN) bank account at:
- Maybank,
- Bank Simpanan Nasional (BSN),
- Bank Islam,
- CIMB Bank,
- Agrobank or
- Bank Rakyat.
Ensure you deposit the minimum required amount (usually RM20) to activate it.
You will also need to open a standard savings account with a panel bank specified by your university (e.g., if your university uses Public Bank for PTPTN disbursements, you must open a Public Bank account).
You can open the account from the myPTPN App.
Step 3: Register PTPTN On myPTPTN App
Download the myPTPTN app or visit the official online portal.
Register for an account. For a faster, verified, and secure process, you can log in using your MyDigital ID.
Ensure your personal details match your MyKad and university offer letter exactly.
Below is the step-by-step on how to register. Once you register in the app, you can also open SSPN through the app as shown below.
In your myPTPTN app you can:
- Submit PTPTN application
- Check your PTPTN loan balance.
- You can make PTPTN repayments.
- You can increase your savings in SSPN.
- Request for restructuring of repayment.
- and more.
Step 4: Submit Your PTPTN Application
Once logged into myPTPTN (either on the app or the web), locate the “Loan Application” section.
Fill out the form carefully. You will need details about your parents’ income, your guardian’s details, and your specific course code (check this with your university!).
Here’s an easy video guide from the folks at PTPTN:
Crucial Tip: Apply as soon as you receive your university offer letter! PTPTN processes applications in batches based on your university’s specific intake schedule. If you miss the first batch, your loan disbursement will be delayed.
Step 5: Checking Your PTPTN Application Results
While you are eager to begin your university student life, you can only start checking the results of your loan application 6 working days after the closing date of your PTPTN online application.
Step 6: Submit Relevant Documents To Your Institution
Consult Uni Enrol or your university’s PTPTN officer so you do not miss out on any essential documents.
Once approved, you will be issued a digital Letter of Offer and a Loan Agreement.
- Download and print the agreement documents exactly as instructed (usually on white A4 paper, single-sided).
- You will need two Setem Hasil (Revenue Stamps) worth RM10 each. These can be purchased at the post office or stamped digitally via the LHDN STAMPS portal, depending on PTPTN’s current directive.
- Prepare your supporting documents:
- Copy of your IC
- Copy of university offer letter
- SPM/STPM/Diploma transcript (or equivalent)
- Parents’ income slips or PADU verification
- Submit these physically to your university’s dedicated PTPTN officer or Student Affairs department by the given deadline.
Step 7: Receiving First PTPTN Payment
Once your university submits the finalised, stamped agreements back to PTPTN, the funds will be credited directly into your designated bank account.
You can check your balance and pay PTPTN through the myPTPTN app or the web portal.
Important Note: The money usually takes a few weeks to arrive after the semester starts. Therefore, you must prepare your own pocket money and be ready to pay your initial university registration fees out of pocket!
Do you have more lingering questions? Check out our Top PTPTN Loan Facts To Complete Your Application.
You also need to be aware about repayment of the loan. Here’s our guide so you don’t get blacklisted! 7 Crucial Things To Know About Repaying Your PTPTN.
Uni Enrol Or Book A Free Consultation
If you are considering private higher education, our counsellors will assist you with choosing the right courses and guide you on applying to PTPTN if needed.
Drop by Uni Enrol Study Abroad Office and let’s kickstart your study journey together! 🎓
Find us at B-02-03, Level 2, Sunway Geo Avenue, Jalan Lagoon Selatan, Bandar Sunway, 47500 Subang Jaya, Selangor. Our friendly counsellors are ready to help you discover scholarships, compare universities, plan your perfect pathway and submit your application.
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About the Author:
Ken Hoong is the co-founder of Uni Enrol and a contributing writer. Drawing on his close work with Uni Enrol’s counsellors, he brings keen insight into Malaysia’s evolving private higher education landscape and the shifting preferences of students in learning and career choices.
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