Financial Aids

Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) Loan

The conditions for applying for an education loan are as follows:

  • Malaysian;
  • Aged not more than 45 years on the date of application;
  • Obtain offers to IPTA / IPTS and Polytechnics by fulfilling the entry eligibility requirements set by the Ministry of Education Malaysia and the Malaysian Qualifications Agency (MQA);
  • Courses attended by IPTA / IPTS and Polytechnic students must be approved by the Ministry of Education Malaysia and registered with PTPTN; *
  • For IPTS students, the course followed must obtain a Certificate of Accreditation from the Malaysian Qualifications Agency (MQA) and is still within the validity period at the date of application;
  • For students with different qualifications, confirmation must be obtained from the department or agency as stated above;
  • The remaining period of study at the time of application must not be less than one (1) year;
  • Has opened an SSPN-i / SSPN-i Plus account **.
  • For more information, please refer to:

* Only PTPTN-sponsored courses will be registered and listed in the PTPTN Online Application Portal. The IPT needs to make an application to PTPTN if they want to get a PTPTN loan sponsorship.
** Only SSPN-i accounts with 15 digits can apply for PTPTN. Please contact the nearest PTPTN branch to check the 15-digit SSPN-i account number.

Koperasi Jayadiri (KOJADI) Education Loan

  • Malaysian Citizen;
  • The applicant (student) and co-applicant must become members of KOJADI with RM500 initial shares each;
  • Student must have gained admission to the University/College;
  • One or more guarantors may be required depending on the merit of the application;
  • For full terms and conditions, please refer to:

Public Service Department Malaysia (JPA)

  • Malaysian citizen.
  • Must be a first year college student (JPA wants the actual results).
  • Not exceeding 25 years old upon application.
  • Has not obtained any degree titles
  • Parent / Sibling(s) / Applicant must not be bound to any (other) government’s loan schemes or scholarships.
  • Parent / Sibling(s) / Applicant must not have any arrears (issues) or are blacklisted by any government’s loan schemes.
  • Parent / Sibling(s) / Applicant must not have gone against any government’s scholarship contracts.
  • At a time, only one member from a family can apply for this education loan.
  • Family member of a successful applicant will be given a chance to apply for this education loan if only if he or she (the successful applicant) has started the repayment of loan for at least 6 months.
  • Selected programmes must also be recognised by JPA.
  • To know if the respective programme has been accredited, visit the JPA Qualification Accreditation website:

Employee Provident Fund (EPF)

  • Malaysian Citizen; OR
  • A Malaysian Citizen who has made Leaving The Country Withdrawal before 1 August 1995 and later opted to re-contribute to the EPF; OR
  • A Non-Malaysian Citizen who:
    Has become an EPF member before 1 August 1998; OR
    Has obtained a Permanent Resident status (PR)
    Has not reached the age of 55 on the date the application is received by EPF; AND
    Having savings in EPF Account 2
  • For full terms and conditions, please refer to:

Social Security Organisation (PERKESO)

  • Applicants can also be children of contributors who died while in employment because of injuries, or died before reaching their 55th birthday.
  • The applicants must be below 21 years of age.
  • Not married.
  • Pursuing degree, diploma or certificate courses local University / Colleges recognised by MQA.
  • For full terms and conditions, please refer to:
  • The completed application form with relevant documents should be sent to the address below:
  • Ketua Eksekutif PERKESO Pertubuhan Keselamatan Sosial
    Menara PERKESO
    281, Jalan Ampang, 50538 Kuala Lumpur
    u/p:Unit Pinjaman / Biasiswa Pendidikan
    Tel: 03 4264 5334 / 341 Fax: 03 4264 3534
Scholarship Offered for 2021 intakes, Limited seats available

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