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:
    • MBBS, Dentistry (IMU Option) – Semester 8.
    • MBBS, Dentistry (Partner School Option) – Semester 3.
    • Pharmacy, Nursing, Dietetics with Nutrition, Chiropractic, Chinese Medicine – Semester 6.
    • Psychology, Pharmaceutical Chemistry, Biomedical Science, Medical Biotechnology, Nutrition – Semester 4.
    • Nursing Science – within the first year of study.
  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 Students who have received PTPTN loan through previous colleges/universities but have withdrawn/not completed their courses are required to terminate the contract and make full repayment at PTPTN office before a new application can be made.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. CIMB Account
    • Personal Saving Account (only student’s name).
    • Opened at any CIMB branch.
  2. SSPN Account
    • Minimum of RM20.00.
    • Opened at PTPTN/Maybank/online at
  3. PIN Number
    • RM5.00.
    • Valid for 6 months.
    • Purchased at BSN/online at
  4. Login and register at

Online Application Deadline

Intake Online Application Duration Who can Apply?
January / February 1 January – 31 January New and Existing Student
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

Loan Amount Eligibility
Maximum Amount Student and/or parents/guardians are listed as recipient of BR1M
75% from Maximum Amount Household income less than RM8,000 and student and/or parents/guardians are not listed as recipient of BR1M
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
MBBS 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 the student’s registered email and can be found in PTPTN log in account.
  2. Setem Hasil – 2 pieces (RM10 each).
  3. A copy of IMU Letter of Offer from Admission Office. 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 25 February 8 March
Second half of the year 25 September 8 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)

Program Khas Lepasan Sijil Pelajar Malaysia Dalam Negara

This is a convertible loan programme for SPM high-achiever students to continue studies in local university

Terms and conditions apply

For further information, students may visit JPA at Portal Rasmi Jabatan Perkhidmatan Awam (JPA) – Program Penajaan

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

Application is usually available in July. Kuok Foundation will announce in the local news and their website for the application opening.

How to Apply

Apply and submit online at After applicants have submitted their application forms online, applicants MUST ALSO courier / send by Pos Laju or by hand the PRINTED COPY OF THE APPLICATION FORMS together with supporting documents to the Foundation’s 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 interview.

Type of Award

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

Value of Award

The funding is up to RM50,000 per year (depending on courses undertaken and value is 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)

Maybank Education Loan


Main Applicant

  • Malaysian
  • Student as main applicant
  • Age 18 to 25 years old (non-working student)
  • Age 18 to 35 years old (working student)

Joint Borrower

  • Maximum of 3 joint borrower(s)
  • Age is between 21 to 65 years old and not exceeding 70 at the end of financing tenure
  • Relationship of joint applicant(s) with main applicant (student) must be immediate family member (including in-law and step parents / child relationship)
  • No adverse record on OCISS and CCRIS
  • Minimum monthly household income of RM5,000 (inclusive of proxy income)

Education Loan Type

  1. Collateral – up to full tuition fees OR Marging of Financing of the security below; whichever is lower:
    • Property; or
    • Fixed Deposit / Islamic Fixed Deposit / General Investment Account-I
    • Amanah Saham Bumiputera (ASB) Unit
  2. Non-collateral – up to RM150,000 loan amount

Contact Details

50-52, Jalan Sultan 52/4, 46200 Petaling jaya, Selangor

  • Mr. Shah Rizal: 012 9162424
  • Ms. Bella: 019 6353625
  • Mr. Zarul: 011 21934682
  • Mr. Aliff: 016 9538281

Note: Application for Maybank Education Loan for IMU students must only be made with Maybank PJ Main Branch as above address.

OCBC Earn & Learn Education Loan


  • Borrower must be a Malaysian resident with a minimum monthly income of RM7,500.
  • Borrower must be aged between 21 years and not exceeding 60 years old.
  • Applicable for undergraduate and postgraduate programmes. For more information, please refer to OCBC website at

Majlis Amanah Rakyat (MARA)

General Term

  • Only open for MBBS student in third year
  • Applicant and parents are not blacklisted by MARA
  • Applicant does not receive financial support / sponsorship from any agency for the same level of study

How to Apply

Hong Leong Foundation

General Term

  • It is open to Malaysian citizens aged between 17 – 25 years who have sat for the SPM/STPM examination.
  • Eligible for those who pursue in Undergraduate Studies (1st degree course) in any course on full time basis in Malaysia.
  • Those who are currently doing their Degree program (Year 1, 2 or 3) eligible to apply.
  • Not eligible for Pre-U courses.

Academic requirements

  • SPM : Minimum 8As.
  • STPM / Matriculation / A-Level / Foundation / Diploma / Degree: Minimum CGPA of 3.50 (Please convert the scoring to CGPA when applying if your scoring is not currently in this format).
  • Scholarship is only for full time courses conducted in Malaysia only.

Time of Application

Application will be open from 1 st  April to 31 st  May.

How to Apply

You have to submit online application in Hong Leong Foundation website (must have Gmail email account).

Koperasi Jayadiri Malaysia Berhad (KOJADI)

General Term

  • Applicant needs to be member of KOJADI.
  • Be noted that payment is required for membership registration process.
  • Loan will be disbursed in one lump sum after all the duly executed loan documents and payments have been received by KOJADI.
  • No restriction for PTPTN applicant.
  • For more information, refer to KOJADI’s website (

Yayasan Tunku Abdul Rahman

General term

  • Only eligible for Malaysia citizen.
  • Not more than 25 years of age at the closing date.
  • Must have at least 3.50 CGPA. Also eligible for full time graduates of Bachelor’s Degree (obtain a minimum 3.50 CGPA, and have at least 2 years remaining to finish their studies).
  • High credit in Bahasa Malaysia and English Language at SPM level.
  • Shortlisted applicants will be required to attend a Leadership Traits Observation program and attend the Selection Interview sessions arranged by YTAR.

Time of Application

  • Date of application will be announced on YTAR website

How to Apply

  • Fill up online application form in Yayasan Tunku Abdul Rahman website (
  • Print out the application and send it together with supporting document to Yayasan Tunku Abdul Rahman.

Yayasan Sarawak

General Terms

  • Only for Sarawak native (one of the parents must be Sarawakian).
  • Submit a PTPTN loan offer letter to apply loan increment.
  • Need two guarantors who have permanent employment and are not above 55 years of age.
  • Have to submit a fee structure for tuition fee.
  • Loan repayment after 12 months’ completion of study
  • The initial disbursement will be issued upon receipt of the complete document.

Time of Application

  • Application open for the whole year.

How to Apply




Cert No: KLR 0500119