National Higher Education Fund (NHEF) / Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN)

National Higher Education Fund or Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) is a government-initiative aimed to provide education loan to students pursuing their studies at local higher education institution.

Terms and Conditions

  1. The PTPTN loan is ONLY available for the local option programmes conducted fully in Malaysia.
  2. For the credit transfer programmes (Medicine & Dentistry), PTPTN will ONLY cover the duration the student is in Malaysia.
  3. The PTPTN management board charges an administration cost of 1% per year of the remaining loan sum.
  4. Students will be required to obtain insurance coverage for the loan and the premium will be deducted from each semester’s loan by PTPTN.


Eligibility to Apply

  1. Malaysian (45 and below).
  2. Must not be sponsored presently by any sponsoring body.
  3. PTPTN does not sponsor students for the same level of studies twice.
  4. Existing students shall have 1 remaining year in IMU. Therefore, the application must be made at least in the following semesters:
  5. Students who have received PTPTN loan through previous colleges/universities but have withdrawn/not completed their courses are required to terminate the contract and make full repayment at PTPTN office before a new application can be made.


To apply online, student needs to:

  1. Open CIMB personal saving account at any CIMB branch under the student’s name. Joint CIMB account and other bank account is not accepted. If a student has an existing personal saving account with CIMB, student can use the existing account.
  2. Open SSPN account at any PTPTN branch or Maybank branch with a minimum of RM20.00. Students who have opened SSPN account for Diploma programme can use the existing SSPN account.
  3. Purchase a PIN number from any Bank Simpanan Nasional (BSN) branch for RM5.00. The PIN is valid for 6 months.
  4. Login to PTPTN website at and register as a first time user.
  5. Deadline to submit online application as follow:
Intake Online Application Duration Who can Apply?
January / February 1 January – 31 January Existing Student (Semester 2 and onwards)
1 February – 28/29 February New and Existing Student
August / September 1 August – 31 August New and Existing Student
1 September – 30 September New and Existing Student


Loan Eligibility

Effective 1 November 2014, the eligibility of the PTPTN loan would be determined by the BR1M eligibility of parents/guardians/student. If the student is deemed eligible, the full amount of PTPTN loan is approved. Otherwise, the student is only eligible for a lesser amount determined by PTPTN (75% or 50%). In April 2018, PTPTN has officially publicized the new maximum amount for MBBS Programme that is RM50,000 per year and is subject to BR1M eligibility and household income.


Category Loan Amount Eligibility
1 Maximum Amount Student and/or parents/guardians are listed as recipient of BR1M
2 75% from Maximum Amount Household income less than RM8,000 and student and/or parents/guardians are not listed as recipient of BR1M
2 50% from Maximum Amount Household income more than RM8,000 and student and/or parents/guardians are not listed as recipient of BR1M


Maximum PTPTN Loan Amount (Estimation)

Programme Maximum Amount Total Amount
Bachelor of Medicine & Bachelor of Surgery RM50,000 per year - RM250,000 for 5 years (IMU Option)- RM125,000 for 2½ years (Partner Medical School Option)50% from Maximum Amount per Year is rounded off to RM30,000, according to PTPTN
Bachelor of Dental Surgery RM17,000 per year - RM85,000 for 5 years (IMU Option)- RM42,500 for 2½ years (Partner Dental School Option)
Bachelor of Pharmacy (Hons) RM17,000 per year - RM68,000 for 4 years
Bachelor of Science (Hons)

  • Dietetics with Nutrition
  • Chiropractic
RM17,000 per year - RM68,000 for 4 years
Bachelor of Science (Hons) Psychology RM14,026 per year - RM42,078 for 3 years
Bachelor of Science (Hons)

  • Pharmaceutical Chemistry
  • Medical Biotechnology
  • Biomedical Science
  • Nutrition
RM17,000 per year - RM51,000 for 3 years
Bachelor of Nursing (Hons) RM17,000 per year - RM68,000 for 4 years
Bachelor of Science (Hons) Chinese Medicine RM12,750 per year - RM51,000 for 4 years


Documents to be Submitted to NHEF After the Online Approval of the Loan

  1. PTPTN Agreement and Letter of Offer which will be sent to student’s registered email and can be found in PTPTN log in account.
  2. PTPTN Checklist
  3. A copy of IMU Letter of Offer from Admission Office. The Conditional Letter of Offer is also accepted.


PTPTN Subsequent Loan Disbursement Schedule

  • Loan will be disbursed following the below schedule every semester according to the student’s result and transcript release date.
  • Student needs to pass minimum CGPA of 2.00 and Grade C (for MBBS programme).
  • Schedule of payment as determined by PTPTN is as below:
Year / Payment First Batch Second Batch
First half of the year End of February 2nd Week of March
Second half of the year End of September 2nd Week of October


  • Please take note that PTPTN does not release payment of loan according to IMU fee payment deadline. Students are responsible to pay tuition fees of every semester to IMU by deadline stated in the invoice.

Public Service Department (PSD) / Jabatan Perkhidmatan Awam (JPA)

JPA loan is available to all students who meet the eligibility criteria. For further details, please refer to the JPA website at my

KUOK Foundation

General Terms & Conditions

  1. Only Malaysian citizens are eligible to apply.
  2. Kuok Foundation study awards are for needy students only.
  3. Applicants should possess good academic qualifications and should be active in school.
  4. This financial aid is offered to all students pursuing local degree programmes which are MQA certified.


Time of Application

July / August every year. Kuok Foundation will write to IMU and announce in the local news media to invite interested students to apply.


How to Apply

Applicants can obtain application forms from Student Services Department at IMU, online or at the Kuok Foundation office. All applications must be submitted before the closing date stipulated in the announcement. Late applications will not be considered.

Only shortlisted candidates will be notified for the interview.


Type of Award

Interest free study loan or ½ loan ½ grant. No service bond.


Value of Award

The range of funding will be from RM10,000 to RM30,000 per year (subject to revision from time to time).


Repayment of Loan

By monthly installments commencing one (1) month after completion of course.

For more information, please refer to

Employee Provident Fund (EPF) / Kumpulan Wang Simpanan Pekerja (KWSP)

General Information

This scheme allows qualified EPF members to withdraw their savings from Account No. 2 to finance their children’s / self study. Withdrawals are allowed for local and overseas education. Maximum withdrawals will depend on the amount of funds the parents / student have in their Account No. 2, as well as how much the university’s fees are. Members can apply for this scheme every semester (two withdrawal in one academic year), or every academic year (one time withdrawal in one academic year), or overall module fees.


How to Apply:

  1. Collect KWSP withdrawal form from the IMU cashier on ground floor.
  2. Submit the completed form to IMU cashier for processing (3 working days required).
  3. Submit all supporting documents to KWSP for approval.


If you have any enquiries or problems related to the withdrawal application, please contact the nearest EPF Office or the EPF Customer Service Department:


KWSP Wilayah Persekutuan
Kumpulan Wang Simpanan Pekerja
13th Floor, Bangunan KWSP,
50350 Jalan Raja Laut,
Kuala Lumpur, Malaysia.

Tel: 03-2694 6566 / 2694 7566
Fax: 03-2694 8433

Customer Service: 03-8732 6000
Email: [email protected]
Website: (Search For: Member’s Children Education Withdrawals Scheme)

Skim Prihatin Pendidikan 1Malaysia (SPP1M)

SPP1M is a ‘top up’ based scheme for the funds or scholarships that are readily in the market that will benefit Malaysian students. This scheme is designed as an additional financial aid for students that are qualified to pursue their studies for Bachelors’ Degree or in high quality universities locally.



  1. Malaysian Student, age 18 years to 35 years old.
  2. Students in the second semester onwards with CGPA of 3.00 and above.
  3. Full time student.
  4. University and program / course as approved by YPPB.
  5. Tuition fees of the previous semester has been paid in full.


Progammes Approved

  1. Bachelor of Science (Hons) Biomedical Science
  2. Bachelor of Science (Hons) Medical Biotechnology
  3. Bachelor of Dental Surgery
  4. Bachelor of Pharmacy (Hons)
  5. Bachelor of Science (Hons) Pharmaceutical Chemistry
  6. Bachelor of Medical Science
  7. Bachelor of Science (Hons) Chiropractic
  8. Bachelor of Science (Hons) Dietetics and Nutrition
  9. Bachelor of Science (Hons) Psychology
  10. Master of Science in Medical and Health Sciences
  11. PhD in Medical and Health Sciences


How to Apply

Application form can be obtained from:

  1. Maybank/Maybank Islamic Branch
  2. From Maybank2u website (

The completed form & documents MUST be submitted to any Maybank branches.

For further details, please refer to Maybank2u website or Maybank branches.

OCBC Earn & Learn Education Loan

For more information, refer to

MYBRAIN15 (MyMaster & MyPhD)

MyBrain is available to all Malaysians who meet eligibility criteria as advertised in MyBrain15’s website online at MyBrain15 website.

For further details, please refer to this website

* Applicable to postgraduate students only.




Cert No: KLR 0500119