Students are eligible to apply for education loans if they fulfill the following conditions:

  • Malaysian citizens;
  • Not exceeding 45 years of age on date of application;
  • Passed Malaysia Certificate of Education (SPM) with credits in any 3 subjects;
  • Passed SPM for Community College Certificate and Polytechnic Diploma graduates with CGPA 3.0 and above;
  • IPTA/IPTS/Polytechnic students must register to pursue courses approved by the IPT Management Department (IPTA/IPTS)/Polytechnic Management Department and Community College of the Ministry of Higher Education;
  • IPTS students must obtained 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;
  • All students must possess entry requirements determined by the Ministry of Higher Education to pursue the course. For students with qualifications that differ from that stipulated, verification that the said qualification is equivalent to the required qualification must be obtained from departments or agencies specified as above;
  • The remaining period of study upon application must exceed one year;
  • PTPTN loans require two (2) guarantors that must consist of biological father and mother of student regardless of the parents age and income;
  • From 18th May 2009 onwards, SSPN saving terms for PTPTN loans application will be discontinued;
  • Have no other sponsor; and
  • Loan overall total must not exceed RM65,000.00

For more information on PTPTN loan, please visit PTPTN page.

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