The National Higher Education Fund Corporation (PTPTN)
PTPTN Education Loan Scheme was set up with the aim of providing education loans to students pursuing their studies in local institutions of higher learning (IPT). This loan will enable students to fully or partially pay their fees and their subsistence for the duration of their study in the IPT. Thus, this scheme provides greater opportunities to students to continue their tertiary education.
Be a Malaysian Citizen;
Not exceeding 45 years of age on date of Application;
Possess a Sijil Pelajaran Malaysia (SPM) with at least three (3) credits
Possess other recognized certificates to qualify for a degree programme: STPM, Levels, Foundation or Recognized Diploma;
IPTS students must obtain 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;
The remaining period of study upon application must exceed one (1) year;
Have no sponsors (ex. MARA or JPA) or scholarship(s).
For students applying for the second time, loans extended earlier by PTPTN must be settled in full prior to a fresh Application;
Students who have received PTPTN loan through previous colleges / universities but have left or have not completed their course, are required to terminate the contract and make full payment with PTPTN before a new application can be made;
As of Jan 2012, it is compulsory to open a SSPN (Skim Simpanan Pendidikan Nasional) account if students want to apply for a PTPTN loan.
The National Education Savings Scheme (SSPN) is a savings scheme specifically designed by the National Higher Education Fund Corporation (PTPTN) for higher education financing purposes;
Beginning the 1st January 2012, students applying for PTPTN education loans must have an SSPN account with minimum savings amount of RM20.00. An SSPN account can be opened at: Maybank, CIMB Bank, Bank Simpanan Nasional, Agro Bank, Bank Rakyat and Bank Islam;
For a fast transaction, you are advised to open the SSPN Account with Maybank only. You can check your SSPN account statement the next day after opening your SSPN account on the PTPTN website;
Any inquiries, please contact the PTPTN Hotline at 03-2080 4455.
All applications for PTPTN loans must be made online. Applicants must apply through the PTPTN Online Application during the opening and closing dates of the application. Applicants are required to have an e-mail (yahoo.com or gmail.com) for correspondence purposes.
PTPTN PIN Number
The PIN number can be purchased from Bank Simpanan Nasional (BSN) for RM5.00 (valid for 6 months ONLY). Please keep the receipt for website log-in purposes.
Should there be any difficulty in logging-in or in resetting the password, please contact:-
B-01-06 Tingkat 1 & B-02-06 Tingkat 2,
Warisan Square, Jalan Tun Fuad Stephens,
88100 Kota Kinabalu
Website : https://www.ptptn.gov.my
Employees Provident Fund (KWSP)
Employees Provident Fund (Malay: Kumpulan Wang Simpanan Pekerja) commonly known by the acronym EPF (Malay: KWSP) is a Malaysian government agency under the Ministry of Finance. It manages the compulsory savings plan and retirement planning for legally employed workers in Malaysia.
Eligible EPF members may withdraw the maximum amount of the total fees or all balances in Account 2, whichever is lower. Members may apply for withdrawal in each academic year provided that there is balance left in Account II.
How to apply
Before applying for withdrawal under this scheme, EPF members are required to check the balance in Account II and obtain a letter from EPF that specifies the amount that can be withdrawn. Members can apply by completing the KWSP 9H (AHL) Form and submit together with supporting documents.
Employees Provident Fund
Blok A, Bangunan KWSP,
Lot 49, Jalan Karamunsing,
88598 Kota Kinabalu
Website : https://www.kwsp.gov.my
Skills Development Fund Corporation (PTPK)
In 2000, the government has established a Skills Development Fund (TPK) to provide financial assistance in the form of loans to skills trainees especially school leavers. The fund is managed by the Skills Development Fund Corporation (PTPK).
The function of PTPK is to provide skills training loan to individuals such as school leavers, graduates and others who are interested in pursuing Malaysian Skills Certification (SKM), Malaysian Skills Diploma (DKM) and Malaysian Advanced Skills Diploma (DLKM) at Public or Private Skills Training Providers accredited by DSD.
Website : http://www.ptpk.gov.my/