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Showing posts with label PTPTN. Show all posts
Showing posts with label PTPTN. Show all posts

Pay Your PTPTN Loan 2017

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Pay your PTPTN loan through FPX & Maybank2u




I have written a guide back in 2013 how to pay your PTPTN debt >> link here 

Due to some changes in PTPTN website in 2017, my 2013 guide is pretty much obsolete.


 What You need before performing pay your PTPTN loan through FPX & Maybank2u :


1. Internet connection
2. PTPTN ID & Pass ( you will get this during semester 1 with the help of your lecturer )
3. Maybank2u online banking account (any online banking will do such as CIMB or RHB )
4. A savings of more or less RM 500 ( the reason Why I put more than the required monthly payment amount because "save for rainy days ?" )
5. A mobile phone ( Receiving secret code )



As you search PTPTN on Google, often you will be directed to the above webpage where there are so many other options. Click the one with blue arrow. It means "check your loan balance" in Malaysia language.






Anyone reading to the point that trigger question like "have you regretted taking up PTPTN loan" ? 
I will. Each time I try to pay PTPTN debt. I have skipped lots of PTPTN loan repayment as you can see the screenshot above me at an amounts RM5000 and I have tried very hard to meet the criteria. 


Everyone has different committed monthly repayment amount mine is just RM 183.00. Since I have skipped so many times paying and accumulated so much overdue might as well just pay RM 200.00 





PTPTN FPX



In the second page, you will be prompted to enter your personal email account and choose the bank you like to pay with. 





Everything is perfectly fine. Type your Username and wait till the yours chosen image come out and safely put your password and enter. 


Besides, you will need your mobile phone on your side and power turned on. On the screen insert the code for confirmation of payment from your bank to PTPTN department.





Any payment comes a receipt even a payment done through Internet. In any case of asking you to show a payment receipt there you have it saving in your computer.








It really delightful to see PTPTN website has been getting a new interface displaying so many important details than the previous interface. As you can see above, the advantages of paying through FPX is it is instantly updated after payment is done. 


Have you use JomPAY ? There is no cost but it take time to process at least 3 days of business hours. There are so many ways paying up your PTPTN debts and remember to do so, as there are so many other Malaysian struggle to get loan for their studies. PTPTN must prevail !

PTPTN Latest Feature Checking Overdue Payment

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All the horror news about PTPTN personally sending enforcement officers knocking your door soliciting payment is an old story.


There are enough headline about PTPTN on major newspapers notably Thestar and New Straits Times. Magnifying the issue of borrowers never pay a single cent back after graduation. Here is one of the example of PTPTN borrowers gradually paying it student loan back so that in the future some may still get loan for higher education in Malaysia.


Personal perception on PTPTN fund would be "student loan for the bad grade student". The fund actually help bad grade student get back on feet again explore the tough job environment out there.


Not just the bad grade student unable to score prestigious scholarship landing a class at one of the state-of-the-art university, the poor are one of the criteria who will utilizing the PTPTN fund to further their studies.


The whole point is a direction showing that only the capable of scoring prestigious scholarship the good grade student get education for free.


The real question is can we the borrowers get more time to pay rather than the limited time frame ?




PTPTN Latest Feature, checking your overdue amounts



Usually the formal replies from the PTPTN would be remember the first time you signed a contract with PTPTN you must pay back all the amounts before the due date.


In 2016, there was a PTPTN office nearby lots of people queuing at there. I was trying to get a glimpse on the inside and try to found out whether the blacklist is on my tail. A friendly personnel shown my overdue a totaled more or less RM 5000. I did tell you earlier that I am a casually paying back my education loan right ? Before I left the National Higher Education Fund office, I quickly looked around there were few people trying to pay their debt on the counter.


Certainly a great feature, in 2017, PTPTN website get an upgrade which there will be a showing on how much overdue one has to pay now. Besides, borrowers could utilize hassle-free service such as "Jompay" to avoid any charge.


Previously, the hassle-free service provided by FPX could help borrowers pay their loan back at ease in their home with Internet access. However, there will be a small charge. Click here for more info






I do not know about the business behind of JomPAY for being free to use. There are many local banks supporting jomPAY one of them is Maybank2u.


Before proceeding to make a payment, please check on PTPTN official website on your personalized designed JomPAY biller code, ref 1 and ref 2.  All you need is your 12-digits national identification card numbers.






For your information, you can get a similar guide at PTPTN website how to pay education loan back using Maybank2u and JomPAY.


You might notice the Ref 2 is your official mobile numbers and there will be a requesting for TAC confirmation code at later stage.


Your transaction is successful ! Thank You for the payment. Although, author was not from a rich family and not having a position that pay a decent salary, still, obliged to pay back my share for what I have promised in the contract.






Paid back my share of loan on the eve of Lunar New Year 2017. I plight PTPTN could loose it terms and conditions so that unfortunate peoples who gains nothing but useful knowledge using the funds could get an extend period of time paying back education loan. Sharing my point of view from the borrowers myself.

















PTPTN Payment Through FPX Charged 6% GST

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A little as RM0.03 for the 6% GST when paying through FPX 





Probably the easiest way to pay your higher education fund. Hassle-free with any amounts you are afford to settle rather than a standing instruction which is deducting your monthly salary at a fixed amount that you have previously set.

FPX does charge you as per transaction made. It is just RM0.50. Whenever you like to pay your PTPTN with an internet banking such as Maybank or CIMB, you are required to use FPX service.
With the implementation of 6% GST, the service charge of RM0.50 will be add on 6% GST which in totaled at RM0.53.

Paying RM50.00 to PTPTN is added RM0.53 totaled up to RM50.53 (FPX service charge + 6% GST)

Higher education fund (PTPTN) management is very concerned for errant borrowers as the newspaper agency reported claiming there are many default borrowers. They would send you letter to your address if you are refusing to settle the amount every month.

Anyone has difficulties settling PTPTN are encouraged to use online banking method without the need to visit PTPTN. Perhaps, you should give them a call or two just to inform them you are going to pay them by online banking. The tracking system is efficient and effective. You guys could read this article if you are interested >> How to pay PTPTN through online 



How to Pay PTPTN debts via online banking

Robert's Google+

Attempting to make a full guides how to resolve PTPTN payment through online banking. 

PTPTN banner
source: PTPTN website

PTPTN is short for Perbadanan Tabung Pendidikan Tinggi Nasional or in english, national higher education loan. It is designed for SPM leaver taking further studies in any college and universities within Malaysia.

Before all the detailed information, You must have received a letter from PTPTN regarding monthly payment back. If you did not receive it , you will need to wait for not exceeding 10 months for them to send it to you. 

Receiving the letter of PTPTN, you will also receive 6 digits numbers, number of months needed to fully clear PTPTN debts, RM XXX each month need to be paid. For examples, 120 months and RM180 +.  for the 6 digits number, this numbers will be useful for those pay PTPTN debts using online banking

Since you have the letters, you should know the PTPTN hotline is 03-2080 4455, You could give them a call in this numbers should you have any enquiry. They are opened for phone enquiry from 8AM -6PM (Mon-Fri) Besides, PTPTN does have a twitter account. It is @twitptptn


How to Play PTPTN Online  (Images)


Ptptn login

1. Visit http://www.ptptn.gov.my/ >> Click "PTPTN ONLINE"





2. Login using your IC and password. If you forget password, You can retrieve back. You must not forgot the E-mail you are using to register your PTPTN. I forgot my PTPTN password once, I retrieved it back through my E-mail. PTPTN send you a new password within 1 hour




3. Click "Semakan Baki" . After your I.C and password corrected. You shall see a very familiar dashboard. You have seen this when checking PTPTN status at college right? .






4. Click "Bayaran Balik melalui FPX"
 this method is for those who have maybank2u and want to perform online banking payment to PTPTN. I own PTPTN about RM19,000.





5. I jumped few steps because due to sensitive information. You are encouraged to pay them via Maybank2u. Request the TAC number and Maybank will send you TAC. You will be prompt to enter at TAC blank column and confirm the request. You are done !!


As if you are paying PTPTN loan over the counter. You can visit CIMB and BSN. Maybank counter does not have PTPTN repayment service. I have paid via FPX for 2 times. PTPTN customer service confirmed receiving my PTPTN repayment. RM0.50 will be deducted for using FPX service just for your information.




1. Talk to any PTPTN official through phone ? Visit this website below to know your designated PTPTN official 

Check PTPTN official ,  You will prompt insert Identity Card(IC)  Numbers

2. RHB Full Guides How to pay PTPTN online

PTPTN and RHB. It is easily for you not to choose "recurring" better choose immediate. Recurring should means payment standing order which translate as automatically pay them using your RHB bank account every month to come. Choose wisely between "recurring" and "immediate"

Author's feeling and thought

My experience calling PTPTN hotline talking with official at HQ was the staff are helpful and experienced in PTPTN details.  If you ever use FPX for online repayment PTPTN debts, you will need wait 1 day in advance for them to process your payment to PTPTN office.
greetings,  ptptn is an organization that lend money to student who enrolls higher education level in Malaysia. Saying about this, recently i checked an article saying the loan which given can be converted into scholarship. i never heard this kind of message since 2011 i took diploma level. i heard that this kind of measure is dead .it might had been in few years back 2001 to 2007. the time when ptptn can converted into scholarship but it never happened on 2008. All the ptptn borrower needs to pay without choice of converting.

  1.  are there any one have experienced confusion about discount method and converting method?
  2.  i have some thought is the ptptn loan can be discounted ?
 there are hoax and rumor saying it can when someone have 3.50 cgpa and above. the information is not provide with detailed. i hope someone can enlight those who got into midst of this for more information

 see these link down http://www.themalaysianinsider.com/malaysia/article/ptptn-writes-off-loans-for-12500-grads/