Browsing: PTPTN

How To Check if You Are Blacklisted by PTPTN?


Are you a PTPTN borrower? Have you graduated? If your answer is ‘Yes’ for both questions, my next question would be ‘Have you start paying your PTPTN study loan?’ I hope your answer is ‘Yes’ too. Else, you might get blacklisted by PTPTN. And if you get blacklisted by PTPTN, your name will be under Travel Blacklist too, which means that you are not allowed to travel outside of Malaysia. 

Imagine you and your family had been preparing for the dream winter vacation in Hokkaido, Japan. While at the International Departure immigration clearing gate, you steadily handed in your NRIC and passport but then you received the shock of your life when the officer tells you that your name is blacklisted and you are not allowed to leave the country. You got angry, frustrated, ashamed, devastated.. You can have all the feeling but it is useless because you will need to make arrangement to settle your PTPTN study loan.


To avoid this from happening, you must check with  PTPTN if you are under PTPTN blacklist. There are 4 ways to check if you are under PTPTN blacklist:

Just enter your 12 digit NRIC numbers (without dash). If you see the status is ‘Tiada Halangan’ (No restriction), it means you are not barred from leaving the country. 


3) Call PTPTN Careline at 03-21933000 (operation hour: Mon-Sun, 8am-10pm)

4) Visit to your nearest PTPTN office or Immigration Department office. Also notice that there is PTPTN office at KLIA2 (operation hour: Mon-Sun, 24hours). 

If you suspect your name is under PTPTN blacklist, I suggest it is best to call PTPTN Careline or walk in to your nearest PTPTN office. Of course, the best would be start paying your PTPTN study loan. If you are not able to do so, talk and find a solution with PTPTN officer. Be a responsible rakyat!

photo credit: quinn.anya Student debt ruined me! via photopin (license)

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PTPTN Repayment: How To Check PTPTN Pin Number or Nombor Pinjaman? – Part 2

Based on my post earlier on how to check PTPTN Pin Number or ‘Nombor Pinjaman’, there were quite a number of response and inquiries. Since the post was published more than 2 year ago, today I decided I should update a new post on how to check for PTPTN pin number.
So, I called up the PTPTN Careline @ ‘Pusat Khidmat Pelanggan’ today. The step-by-step on how to retrieve my PTPTN pin number as below:
1) Call PTPTN Careline @ ‘Pusat Khidmat Pelanggan’ at 03-2193 3000 (You will be greeted by auto attendant system);
2) Within a short while, I was connected to a PTPTN Careline officer;
3) I told her I would like retrieve my  PTPTN pin number or ‘Nombor Pinjaman’;
4) She asked for my NRIC;
5) She asked for my full name for verification;
6) Then, she gave me my 5 digits PTPTN pin number.
The whole process only took about 1 minute! Also, if you browse PTPTN Careline website,  you can also see a list of name and details (designation, mobile phone number and email address) of the PTPTN officers for PTPTN Careline section. Most importantly, the PTPTN careline is available daily (monday-sunday), 8am-10pm.  I am truly impressed! Great job to PTPTN team!
Photo credit: PTPTN

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How To Pay PTPTN with EPF@KWSP Savings

For PTPTN borrowers with education financing agreement executed 2 Jan 2001 onwards, they can use the savings from their EPF@KWSP account 2 to pay for the PTPTN study loan. From my point of view, PTPTN borrowers should try their best to pay with their own money and not from their KWSP savings. Mainly because EPF@KWSP is a saving for our retirement. Using EPF@KWSP savings to pay for PTPTN study loan should be the last resort to settle PTPTN study loan. 
You can click here for procedure on how to make PTPTN repayment through EPF@KWSP withdrawal. 

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PTPTN Repayment: How To Check PTPTN Pin Number or ‘Nombor Pinjaman’?

I remember there was one time which I wanted to log in to check my online PTPTN account statement (Penyata Pendidikan Konventional) but I had forgotten my PTPTN Pin Number and the PTPTN letter with the log in pin was at another location. Since that incident, I saved my PTPTN Pin Number or ‘Nombor Pinjaman’ in my smartphone.

Anyway, other than referring to the letter from PTPTN which come with the pin number or ‘Nombor Pinjaman’ you also can check the pin number or ‘Nombor Pinjaman’ by calling PTPTN hotline, 03-2080 4455 03-21933000. This is the fastest and easiest way to get the PTPTN ‘Nombor Pinjaman’ for you to log in to PTPTN Epay website. Just follow the steps below, then you’ll be able to get your ‘Nombor Pinjaman’ in a minute:

1) Call to PTPTN hotline, 03-2080 4455 03-21933000

(You will be attended by auto attendant system)

2) Choose option 4 for Inquiries on ‘Nombor Pinjaman’;
3) Choose option 1 for Mycard holder;
4) Enter your 12 digits Mycard number followed by #. Example, 880512019989#;
5) Choose option 1 to get your ‘Nombor Pinjaman’;
6) Get ready your pen and paper because within a few seconds, the auto attendant will let read out your 5 digits ‘Nombor Pinjaman’.

Simple and I think it is available 24 hours because I called at 10pm and still able to get my ‘Nombor Pinjaman’. From my latest checking, operation hours is mon-fri, 8am-7pm and sat-sun, 8am-5pm, public holiday will be closed.


Hope the above helps!

photo credit: PTPTN Epay.

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Why You Should Start Paying Your PTPTN Study Loan

For those PTPTN borrowers who had graduated and started earning an income, and still have not started paying your PTPTN study loan, I shared below the reasons which prompted me to start paying my PTPTN study loan:
1) No Free Money
I always believe there is no free lunch and no free money. We need to pay back based on what we had agreed in the offer letter. PTPTN is still very kind to offer scholarship for those with excellent result. Last year, PTPTN also offered up to 20% discount for those borrower who wish to make full settlement for their study loan. If you still wish for free money, then try you best to obtain a Bachelor Degree with First Class Honour. Else, we still need to pay back our PTPTN study loan.
2) Prove That You Are Someone with Responsibility 
Most PTPTN borrowers are tertiary students from IPTA and IPTS. Prove that we are graduates with high responsibility.
3) To Ensure Continuation of PTPTN 
Think about the financial support for our younger siblings or our children. If most PTPTN borrowers did not pay back their study loan, where will our future generations get their financial assistance to support their tertiary education?
4) To Avoid Hassle In Future
With the offer letter we signed, PTPTN has the right to take action when PTPTN did not received the payment as per scheduled in the offer letter. Since last year, PTPTN has started to ‘black list’ borrowers who refused to pay back their study loan. As for me, I wish to have a peace of mind and not to be troubled with study loan matter. Thus, I choose to pay my PTPTN study loan.

I hope what I share above is convincing enough for you to start your PTPTN study loan repayment journey.

photo credit: Loan via photopin (license)

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PTPTN: 20% Discount For FULL Study Loan Repayment

In one of my previous post, I shared on the process and procedure on how to make full PTPTN loan repayment. I also shared that I was given 20% discount when I told the PTPTN officer I wish to make full settlement for my PTPTN study loan.

So, for all PTPTN borrowers who wish to save some money, you may proceed to any PTPTN counters by 31 March 2015 to enjoy 20% discount when you make full PTPTN loan repayment. You may read the news here. My advice would be – do not turn up last minutes on 31 March 2015. Plan and visit PTPTN counter the earlier possible. Some times, it can be a very busy and packed day at PTPTN office especially with important due dates like 31 March 2015.

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How To Make Full PTPTN Study Loan Settlement

One of my target this year is to settle my PTPTN study loan. And I am so happy to announce that today I had made full PTPTN repayment and had settled my PTPTN study loan. If I follow my PTPTN loan repayment schedule, I still have another 5  more months to go. But, I decided to settle my PTPTN study loan earlier.
So, what is the process to make full PTPTN study loan settlement? When I first made my PTPTN repayment may years ago, I paid through direct debit from my monthly salary (Potongan Gaji), then I paid by sending monthly cheque to PTPTN HQ. After I have my ebanking, I found it is much more convenient to pay through ebanking, though there is RM1 processing fee for each transaction. Earlier this month, I logged on to my PTPTN online statement and printed out my latest PTPTN statement. Today, I brought along my PTPTN online statement to my local PTPTN office in Kuching. And of course, I brought along my cash as well. The process to make full PTPTN repayment as below:
1) Got a ticketing number from the entrance to see the officer at the counter. I told her that I wish to make full PTPTN repayment. She told me she will need to check from her online system for the rough figure of my PTPTN balance. Upon her checking, the figure is similar with my online PTPTN statement.
2) Then, I was instructed to fill a form. This form is something like an application to know the actual balance for my PTPTN (after deduction/interest fee/whatever other charges). The officer at the counter brought the form to her officer/superior inside her office so that this officer/superior can contact PTPTN HQ to verify my actual PTPTN balance (after discount/interest charges/misc).
3) After waited for 10mins, she got back go me and passed me a document indicating  my actual ‘confirmed balance’ which I need to pay. I am happy to see a 20% discount* as well 🙂
4) Then, I filled in the payment slip and waited for my turn to make the full payment at the payment collection counter.
5) Upon made the full payment, I was given an official receipt. The officer said PTPTN will email me a statement to confirm I had made the full payment.
The process is simple and quick. I think I spent about 30mins at the PTPTN Kuching Office, even though the PTPTN office is packed with many customers. The officers are very helpful, nice and friendly.

Just a note to any of you who wish to make full PTPTN study loan repayment, please go to your nearest PTPTN branch and get the actual full outstanding amount. Or, at least email or contact PTPTN HQ to get the figure. This is to avoid any wrong figure. This is also the main reason why I went to the PTPTN Kuching instead of pay my full payment through ebanking. To me, the official receipt is very important.

Finally, for those of you who are looking for the location of PTPTN Kuching Office, the address as below:


Pejabat PTPTN Negeri Sarawak
Lot 519, No. 15-I, Section 6
Al-Idrus Commercial Centre
Jalan Kulas, 93400 Kuching, Sarawak
No Tel : 082 – 234 608
No Faks : 082 – 239 315 

*There is a 20% discount for PTPTN borrowers if they pay their study loan in full from 10 Oct 2014 till 31 Mar 2015. You can read the news here and here. So, why not grab this opportunity?

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It Is Time To Pay Your PTPTN Study Loan

One of the hot news in local newspapers this week is Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) had to reduce the total financing starting 1 November this year due to limited funds. And the related news is that these limited funds was caused by a huge number of graduates did not start to pay their study loan as agreed. In my opinion, it is really unfair for students enrolling for public and private institution of higher learning been punished for what these PTPTN loan defaulters had done.

To those who had never made any PTPTN loan repayment, it is time for you to start to make your first payment. Take the first step to make the payment. If you have difficulty, contact PTPTN directly. In the  PTPTN agreement, you had agreed to settle the study loan right? So, since PTPTN had helped you to have your diploma or degree or PhD, it is time for your to pay back to PTPTN and to the society.

I am sure you have younger siblings, or your niece/nephew/cousins, your extended family’s son/daughter, or your colleague/neighbor’s son/daughter. Imagine any of them – your younger brother/sister/niece/nephew/friend’s son not able to go through his or her tertiary education because of limited PTPTN loan. Or, perhaps your future son or daughter who need PTPTN study loan, will have difficulty to get one too. You should know the importance of sufficient financial support in tertiary education.

Let’s face it. The whole society is interconnected. Keep your promise to settle your PTPTN study loan. 

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