Financial Aids

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: https://www.ptptn.gov.my

* 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.

• 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: http://kojadi.my

• 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: http://esilav2.jpa.gov.my

• 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: http://www.kwsp.gov.my

• 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: http://www.perkeso.gov.my
• 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