Skip to main content

Study Loans After SPM: PTPTN, MARA & More

Education loans and convertible loans for students without a full scholarship.

Quick answer

Degreemate's catalogue lists 19 study loans (reviewed August 2026): 0 full sponsorships, 0 partial or tiered awards, 11 convertible loans and 8 study loans. The list is not exhaustive; dates and criteria change every cycle, so confirm on each sponsor's official page.

See which scholarships match your results

The scholarships (19)

Frequently asked questions

How many study loans are there in Malaysia?

Degreemate's catalogue lists 19 study loans (reviewed August 2026): 0 full sponsorships, 0 partial or tiered awards, 11 convertible loans and 8 study loans. The list is not exhaustive; dates and criteria change every cycle, so confirm on each sponsor's official page.

Do study loans come with a bond?

19 of the 19 we checked carry a service bond or repayment obligation under their official terms; 0 do not. A bond usually means working for the sponsor for a set period after graduating, or repaying the award.

When do applications for study loans open?

Most usually open in April, May and June, while 5 accept applications year-round. Exact dates are announced each cycle on the sponsor's official page.

Who can apply for study loans?

Each sponsor sets its own criteria. In this list, 5 set household income as a criterion, 4 are restricted to Bumiputera students and 10 are limited to students from particular states. Read the full criteria on each scholarship's page.

How do I know which scholarships I qualify for?

Enter your SPM results, state and preferred field in Degreemate's scholarship checker. It compares your profile against each award's official criteria and shows the reason. The result is a guide, not a guarantee of an offer.

Criteria, coverage and dates change every cycle. The sponsor's official page is the authority; we link it from every scholarship page. Catalogue reviewed: August 2026.