A Guide to Repaying Your PTPTN Loan

Not sure how to repay your PTPTN loan? We’ll show you the easy ways to pay it back so you can live a debt-free life.

Updated 14 Jul 2020

A Guide to Repaying Your PTPTN Loan - Feature-Image

You’ve slogged long and hard to obtain your diploma or degree and you’ve finally graduated. Congratulations!

However, if you took on a PTPTN loan, it’s time to square your shoulders and begin the process of repaying your loan as early as 12 months from graduating. And if you’re able to start paying earlier, you won’t be charged interest for that time period.

But wait, what if you’re not sure where to begin? Or even how to pay it back? Not to worry, we’ve listed down the main ways to repay your PTPTN loan — so you can finally start #adulting and be debt-free in a few years!


Remember that PTPTN will personally notify you to pay after 13 months from graduating but it is better to handle the matter responsibly (and save yourself financial heartache) by paying it off promptly.

#1. Repay your PTPTN loan online

How to Repay Your PTPTN-Online Payment Version 02

Why drag yourself to PTPTN’s counters when you can do it through your phone or laptop? Here’s how you can begin paying off your loans through blessed technology.

a) Via PTPTN’s website

For a quick and seamless payment, you can head over to PTPTN’s portal where you can check your loan amount and make your payment via Financial Process Exchange (FPX).

This is essentially a payment gateway on PTPTN’s website where you will be directed to your bank’s online banking interface to make payment. It is similar to how you would pay for online purchases on e-commerce websites like Lazada. Almost all the major banks are supported, including Maybank, CIMB, Public Bank and RHB.

You will not be charged any fees for paying through this method.


If you don’t want the hassle of going through the repetitive payment steps each month, you can opt for direct debit, where your loan payment will be automatically deducted from your bank account every month.

b) Directly through your bank’s online banking portal

Most banks in Malaysia support PTPTN loan repayment on their online banking portal. You can do this via 2 methods:

(i) Via the “pay bills” section

All you need to do is navigate to the “bill payment” section and search for “PTPTN” (step-by-step guides are available for Bank Islam, Bank RakyatMaybankRHB Bank, Affin Bank, AmBank, Agrobank, CIMB BankPublic Bank and Bank Simpanan Nasional (BSN)).

You will be charged a small fee between RM0.50 to RM1.06 for paying through this method, depending on the bank.

(ii) Via JomPAY

Alternatively, you can also use the JomPAY service on your bank’s online portal, which is Malaysia’s national bill payment scheme. The great thing about this is that there are no fee charges for JomPAY.

For this method, you will need to key in additional details — a biller code and 2 reference numbers — which you can find through this link.

Still fuzzy about how to pay your loan using JomPAY? Check out this step-by-step guide that’s clear as day!

c) Via myPay PTPTN on the myGov Mobile website

The myGov Mobile website provides various government services (e.g. payment of parking tickets) and lucky you, PTPTN repayment is one of them!

The PTPTN repayment option under myGov is a mobile-friendly way to pay off your loan, so have no fear if you don't have access to a laptop as you can easily do it on your smartphone. Just click on this link and you’ll be able to pay your loan in a jiffy. Additionally, you can also increase the deposits in your SSPN-i account via myPay PTPTN. For more information, you can refer to this friendly guide.

Do note, however, that the fee for this service is RM0.50 to RM1.00 for every transaction made.

#2. Over the counter

How to Repay Your PTPTN-Over the Counter

If you’re a stickler for paying things by handing over stacks of money, over-the-counter payments are your best bet.

You can do it through:

Do note that there may be some payment fees if you pay through these methods.

Alternatively, you can also make payment at PTPTN counters across Malaysia, which will be free. However, cash is not accepted and payment is through ATM card, debit card and credit card only.

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#3. Salary deduction

How to Repay Your PTPTN-Salary Deduction

Finally, there's the salary deduction method. Using this method will help you avoid pesky tunggakan or arrears (a debt that you need to pay back after you missed a single or few payments) as PTPTN sets the amount to be deducted. Other things you'll escape be free of? The horrible situation of being blacklisted and having an undesirable credit score on CCRIS.

To apply for the salary deduction method online, log on to the PTPTN salary deduction request portal and follow the steps. You can also fill in the Borang Kebenaran Potongan Gaji form in person at any PTPTN branch, but remember to bring your salary slip too.

PTPTN will key your details into their system and forward the suggested deduction amount to your employer. Once your employer has deducted it from your salary, PTPTN will update the amount you have left to pay in your loan payment statement.

With these easy and convenient PTPTN loan repayment methods, there simply isn’t any excuse to be ignorant about your financial responsibility. Always remember that PTPTN is a loan to be repaid and that the money you pay back will greatly help another deserving student in the future. All the best!

Note: Due to the COVID-19 pandemic that has widely affected the public, all PTPTN borrowers have been given a repayment deferment from 19 March 2020 to 30 September 2020 as a moratorium period.

Looking for something else other than PTPTN to finance your studies? Here are some little-known financial aids to check out.

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    Melissa Mazlan

    Melissa Mazlan

    Your friendly Klang representative who enjoys romantic walks to the fridge.