For parents and guardians
PTPTN: a summary for parents
PTPTN is a study loan, not a scholarship: it has to be repaid. The amount depends on the level of study, the type of institution and household income.
Facts checked up to 26 September 2026
Key points
- 1
A study loan, not a scholarship: it must be repaid, with an ujrah (service charge). Discounts are offered for early or full settlement.
Source: PTPTN / KPT, ptptn.gov.my · checked 31 August 2026
- 2
PTPTN lends up to RM4,750 a year for a diploma at a public institution (RM6,800 at a private one), covering fees and living costs. You get the full amount if your family receives STR, 75% if household income is up to RM8,000, and 50% above that.
Source: PTPTN, Info Pinjaman Pendidikan · checked 25 September 2026
- 3
PTPTN lends up to RM6,650 a year for a science degree at a public university (RM14,030 at a private one), covering fees and living costs: the full amount with STR, 75% if household income is up to RM8,000, 50% above that.
Source: PTPTN, Info Pinjaman Pendidikan · checked 25 September 2026
- 4
You need a Simpan SSPN Prime account (15-digit number) before you can apply.
Source: PTPTN, Pinjaman Pendidikan (loan table and tiers) · retrieved 26 Sep 2026
- 5
PTPTN does not come with the UPU offer. Your child applies on myPTPTN after getting an offer, within the dates PTPTN sets for that institution and programme.
Degreemate explainer: How to apply for PTPTN after an offer
- 6
Repayment starts 12 months after the loan ends. Ujrah (1% a year) is charged from month 13, so paying it off within those 12 months costs no ujrah.
Source: PTPTN, Bayaran Balik (ujrah formula and start of repayment) · retrieved 26 Sep 2026
What you can do now
- Open your child's SSPN account early, before the offer arrives.
- After the offer, check the PTPTN application dates for your child's institution and programme, and apply within them.
- Talk with your child about how much they need to borrow, not how much they can.
Quick answers
Does PTPTN have to be repaid?
Yes. A study loan, not a scholarship: it must be repaid, with an ujrah (service charge). Discounts are offered for early or full settlement. Repayment starts 12 months after the loan ends. Ujrah (1% a year) is charged from month 13, so paying it off within those 12 months costs no ujrah. Source: PTPTN, Bayaran Balik (ujrah formula and start of repayment) (retrieved 26 Sep 2026).
How much can PTPTN lend?
PTPTN lends up to RM4,750 a year for a diploma at a public institution (RM6,800 at a private one), covering fees and living costs. You get the full amount if your family receives STR, 75% if household income is up to RM8,000, and 50% above that. PTPTN lends up to RM6,650 a year for a science degree at a public university (RM14,030 at a private one), covering fees and living costs: the full amount with STR, 75% if household income is up to RM8,000, 50% above that. Source: PTPTN, Info Pinjaman Pendidikan (checked 25 September 2026).
When does my child apply for PTPTN?
PTPTN does not come with the UPU offer. Your child applies on myPTPTN after getting an offer, within the dates PTPTN sets for that institution and programme. You need a Simpan SSPN Prime account (15-digit number) before you can apply. Source: PTPTN, Pinjaman Pendidikan (loan table and tiers) (retrieved 26 Sep 2026).
Does the loan continue every semester?
The loan only keeps coming if the student passes: each semester's payment needs a grade point average (PNG) of 2.0 or above in the semester before. Source: PTPTN, Pinjaman Pendidikan (loan table and tiers) (retrieved 26 Sep 2026).
Is anyone exempt from repaying?
From 1 January 2026, students from eKasih poor and hardcore-poor households on a full-time diploma or degree at a public institution get the loan as a scholarship. The repayment exemption for a First Class degree at a public university is now for B40 and M40 families only (graduating from 1 January 2026), and must be applied for within 12 months of convocation. Otherwise, the loan has to be repaid. Source: PTPTN, Pelaksanaan Inisiatif Belanjawan 2026 (20 Jan 2026).
Read more
Next step: your child's plan
This summary is general. Your child's plan shows the routes, programmes and dates that fit their own results and interests. Build it with your child, or open the plan they shared.