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This is a type of loan provided by the Malaysian government to assist students financially in public as well as private institutions of higher learning.The National Higher Education Fund Corporation (PTPTN) was established under the National Higher Education Fund Act 1997 (Act 566) and is effective from 1st July 1997. PTPTN became operational on 1st November 1997 at Bangunan Wisma Chase Perdana, Off Jalan Semantan, Damansara Heights, Kuala Lumpur.

Function(s) of PTPTN:

  • To manage disbursement of student loans for the purpose of higher education, and to collect loan settlements.
  • To collect deposits, design and offer savings schemes for the purpose of saving for higher education.
  • To carry out any other functions given to the PTPTN under any written legislation.


  • Malaysian Citizen
  • Not exceeding 45 years of age on date of application.
  • Received an offer from IPTS by fulfilling the entry requirements set by the Ministry of Education Malaysia and the Malaysian Qualifications Agency (MQA).
  • The courses attended by students must be approved by the Ministry of Education Malaysia and registered with PTPTN.
  • The course must obtain the Certificate of Accreditation from the Malaysian Qualifications Agency (MQA) and still be within the validity period on the date of application.
  • The remaining period of study upon application must exceed one (1) year.
  • Have no sponsors (ex. MARA or JPA) or scholarship(s)
  • Have opened Skim Simpanan Pendidikan Nasional (SSPN) account before applying.

Other Criteria

Students who have received a PTPTN loan through previous colleges/universities but have left or have not completed their course, are required to terminate the contract and make full payment with PTPTN before a new application can be made.

PTPTN Application PIN Number

The PIN number can be purchased online through the PTPTN website or from Bank Simpanan Nasional (BSN) for RM5.00 (valid for 6 months ONLY). Please keep the receipt for website login purposes.


The Skim Simpanan Pendidikan Nasional Education Savings Scheme (SSPN) is a savings scheme specifically designed by the National Higher Education Fund Corporation (PTPTN) for higher education financing purposes.

Beginning 1 January 2012, students applying for PTPTN education loans must have a SSPN account with a minimum savings amount of RM20.00. A SSPN account can be opened online through the PTPTN website or at: Maybank, Bank Rakyat, Bank Islam, Agrobank or any PTPTN branch to get the account number immediately.

Online Applications

All applications for PTPTN loans must be made online. Applicants must apply through the PTPTN Online Application Website at http://www.ptptn.gov.my during the opening and closing dates of the application. Applicants are required to have an e-mail (yahoo.com or gmail.com) for correspondence purposes. Should there be any difficulty in logging-in or in resetting the password, please contact:

PTPTN One-Stop-Centre:
Unit 1 & 2A, 2B,
Level 2, Stesen Sentral Kuala Lumpur
50470 Kuala Lumpur
PTPTN Careline Number: +603- 2193 3000
Official Website: http://www.ptptn.gov.my

Operation Hours:
8.30am to 5.00pm (Monday to Thursday)
8.30am to 12.15pm and 2.45pm to 5.00pm (Friday)