PTPTN Education Loan – Guide to the Application, Disbursement and Repayment Process

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They say that education is the ultimate key to success. But in this era, getting a tertiary education could be very, very, costly. So what are we to do? The best way to get free all access education is of course, by applying for scholarships / sponsorships. If you have the scores to show for it, then try your best to get that scholarship! Another way to afford tertiary education is of course, by applying for a loan. While personal loans are plentiful at banking institutions, the Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) is an institution that issues loans specifically to support your education needs.

So if you are eager to apply for a PTPTN Education Loan Scheme or just curious about how it works and what it offers, then stay on this page because we will give you all the info you need to know!


The word PTPTN has been uttered so many times but you don’t quite know what is it all about? Fret not, just keep on reading and you’ll be a PTPTN expert in no time.

What is the PTPTN?

Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) is a government-owned corporation established under the National Higher Education Fund Corporation Act 1997. With its main office located at Wisma Chase Perdana in Damansara Heights, PTPTN started its operation in 1997 and has three main functions:

  • To manage the financing for higher education and its repayment collection;
  • To provide a savings scheme and administer the deposits for the the purpose of higher education; and
  • To perform any other functions entrusted to PTPTN by any written legislation.

To this end, the PTPTN Education Loan Scheme (ELS) was set up for one purpose: To provide opportunities to students to continue their tertiary education.

PTPTN Education Loan Scheme (ELS)

The PTPTN Education Loan Scheme aims to provide education loans to students pursuing their studies in local institutions of higher learning (Institut Pengajian Tinggi or from now, IPT). Depending on their prospective parents’ income, the ELS will enable students to either fully or partially pay the tuition fees and other expenses for the duration of their study in the institutions of higher learning.

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