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This is a type of loan furnished by the Malaysian government to assist students financially in public as well as private institutions of higher learning. The chances of government servants and government retirees getting selected are very high or in fact almost 100% secured. Students need to pay back the loan obtained with a 1% interest charge upon graduation.

The National Higher Education Fund Corporation (PTPTN) was established under the National Higher Education Fund Act 1997 (Act 566) and is effective from 1st July 1997. PTPTN became operational on 1st November 1997 at Bangunan Wisma Chase Perdana, Off Jalan Semantan, Damansara Heights, Kuala Lumpur.

Function(s) of PTPTN
To manage disbursement of student loans for the purpose of higher education, and to collect loan settlement.
To collect deposits, design and offer savings schemes for the purpose of saving for higher education.
To carry out any other functions given to the PTPTN under any written legislation.
Applicants Must:-
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, A-Levels, University Foundation, Local Matriculationor Recognized Diploma.
IPTS students must obtain the Accreditation Certificate from the Malaysian Qualifications Agency (MQA). The course and AccreditationCertificate 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 theircourse, 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 fora PTPTN loan.

SSPN Account
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 1 st Jan 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.

Online Applications
All applications for PTPTN loans must be made online. Applicants must apply through the PTPTN Online Application Website at http://www.ptptn.gov.my/gateway/ and http://www.ptptn.gov.my/web/guest/borang2 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.

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:-
Ibu Pejabat PTPTN
Perbadanan Tabung Pendidikan Tinggi Nasional,
Lot G2, Tingkat Bawah, Wisma Chase Perdana,
Off Jalan Semantan, Damansara Heights,
50490 Kuala Lumpur.
Contact Number : 03 - 2080 4455
Official Website : http://www.ptptn.gov.my/
Operation Hours :
8:30a.m to 5:00p.m (Monday to Thursday)
8:30a.m to 12:15p.m and 2:45p.m to 5:00p.m (Friday)

Application and Submission
For online applications the document below are required to submit. The document must be A-4 sized photocopies that have been certified as true copies:-
Applicant's Identification Card (IC).
SSPN Account Deposit Slip / SSPN Card.
SPM Certificate or UEC (for those not taking SPM).
STPM / A-Levels / Foundation / Local Matriculation / Recognized Diploma results and/or others.
The first page of applicant's bank account book. For those without a bank account, please open an account with Bank Islam(BIMB) and provide the account statement from the same bank.
Parents' Pay slip (the latest month) / Government Pensioner's Card / Parents' J/EA/EC/BA Form / Income Certification Form.
Certificate of Death (if parents are deceased) or Statutory Declaration (if parents cannot be traced).
Confirmation Letter from the Welfare Department if applicant / mother / father / guardian are receiving monthly payment from the agency.
Letter of Acceptance from International Islamic College. (Will be provided by the Institution).
All photocopied documents and the PTPTN Declaration Form can only be from a certified true copy & witnessed by:-
Principal / School Headmaster/Headmistress/Senior Assistant of Student Affair (Government Schools only).
Professional and Management Group of Government Officers (formerly from Category A).
Law Enforcement Officers / Commissioners of Oath.
Justice of Peace / Government State Secretariat Committees (State Executives).
Village Penghulu / Village Headman (Penggawa) / Longhouse Head (Tuai Rumah) / Tribal Leader (Ketua Kaum) / Commissioned District.
Suspension of Loan
The loan will be suspended for a particular semester under the following conditions:-
Learner's obtained a GPA of less than 2.0.
Deferment of studies/Inactive.
Total loan for full time programmes:-
Programmes Total loan a year
Diploma RM20,400.00
Bachelor Degree RM40,800.00
Related Document
Borang Permohonan Online PTPTN
Borang Pengesahan Pendapatan
Borang Pembatalan Dan Penolakan Tawaran Pembiayaan Pendidikan PTPTN
Borang Perubahan Maklumat Dokumen Tawaran Pembiayaan Pendidikan
Borang Permohonan Penangguhan Bayaran Balik Pembiayaan Pendidikan
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