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Education Funding

The cost of continuing to higher education institutions for some of us is sometimes beyond our means and requires financing, and the main financing option for most Malaysian students is through PTPTN.

In addition, students or parents who have an EPF savings account can apply to use part of their savings for the purpose of financing their own, spouse's and children's education.


Scholarships & Education Loans

In addition to funding through PTPTN education loans and EPF withdrawals, Malaysian citizens who wish to further their studies have the opportunity to apply for funding from various institutions consisting of corporate bodies, education foundations and loans from financial institutions. Applications are subject to eligibility requirements as well as the choice of different fields of study.

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PTPTN Education Loan


The PTPTN Education Loan Scheme was created for the purpose of providing education loans to students studying at local Institutes of Higher Education (IPT). This education loan will allow students to finance all or part of the tuition fees and also living expenses throughout the study period. The PTPTN education loan facility is open to students continuing their studies at local Public Institutes of Higher Education (IPTA) and Private Institutes of Higher Education (IPTS).

Terms of application


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

  1. Malaysian aged 45 years and below on the date of application;

  2. Received offers to IPTA/ IPTS and Polytechnics

  3. The course you are pursuing must be approved by the Ministry of Higher Education and registered with PTPTN and accredited by MQA

  4. The remaining period of your study must not be less than one year

  5. You have no other sponsors

  6. You must have an SSPN Prime/SSPN-i savings account before sending in your application


Employees Provident Fund (EPF) Education Withdrawals

The withdrawal scheme allows EPF members to withdraw from their Account 2 of the EPF Fund to pay tuition fees for their children or for themselves to pursue further studies at any local or overseas higher educational institution.

What You Can Withdraw
Total tuition fees/outstanding education loan OR Entire savings in Account 2 (whichever is lower)


What's covered

  1. Tuition fees and charges imposed by the higher learning institution OR Outstanding loan amount   (For Certificate Level 3, withdrawal eligibility only applies to tuition fees subject to the total savings balance in Account 2.) 

  2. Hostel & Accommodation Fees

  3. One-way flight for first-year students studying outstation/abroad

Who Can Apply

  1. Malaysians & Non-Malaysians

  2. Below 55 years of age

  3. Have savings in Account 2

  4. Currently pursuing or has completed – Certificate Level 3, Diploma or higher (academic/professional/skill-based/vocational study)

  5. Studying at local institutions (full-time, part-time, distance learning and franchise programmes) OR Institutions abroad (full-time programmes)

  6. Member/Member’s children/Spouse/Parents who quit/failed/did not graduate/withdrawn from approved education institution

*To pay for all overdue payment fully to higher learning institutions within 3 years starting from the termination of education; And settle remaining education loan with loan provider institutions


  1. Withdrawal to finance your tuition fees

  2. Joint withdrawal with your spouse to finance your spouse’s tuition fees

  3. Withdrawal to finance your children/ spouse/parents’ tuition fees

  4. Joint withdrawal with your spouse to finance your children’s tuition fees 


When You Can Withdraw

  1. Every semester or academic year

  2. Within three (3) years from the course end/quit/failed date for outstanding payments to be settled with the higher learning institution

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