Students can apply for Karangkraf Scholarship Fund. The application form can be downloaded from the website link below. Complete the form along with supporting documents and submit to:

Scholarship Secretariat Karangkraf
Kumpulan Karangkraf Sdn. Bhd.
Lot 2, Jalan Sepana 15/3,
Off Selangor, 40200 Shah Alam,
Selangor Darul Ehsan

Tel: 03 - 5101 7388 (ext 3325/ 3327)
Fax: 03 - 5101 3308

For more information, please visit Karangkraf's website.



This is a type of loan provided by the Malaysian government to assist students financially in public as well as private institutions of higher learning.

The National Higher Education Fund Corporation (PTPTN) was established under the National Higher Education Fund Act 1997 (Act 566) and is effective from 1st July 1997. PTPTN became operational on 1st November 1997 at Bangunan Wisma Chase Perdana, Off Jalan Semantan, Damansara Heights, Kuala Lumpur.

Function(s) of PTPTN:

  • To manage disbursement of student loans for the purpose of higher education, and to collect loan settlement
  • To collect deposits, design and offer savings schemes for the purpose of saving for higher education
  • To carry out any other functions given to the PTPTN under any written legislation



Applicants Must:

  • Be a Malaysian Citizen
  • Not exceeding 45 years of age on date of Application
  • Possess a Sijil Pelajaran Malaysia (SPM) with at least three (3) credits
  • Possess other recognized certificates to qualify for a degree programme: STPM, A-Levels, University Foundation, Local Matriculation or Recognized Diploma.
  • IPTS students must obtain the Accreditation Certificate from the Malaysian Qualifications Agency (MQA). The course and Accreditation Certificate approval period must still be valid on the date of Application
  • The remaining period of study upon application must exceed one (1) year
  • Have no sponsors (ex. MARA or JPA) or scholarship(s)


Other Criteria

  • For students applying for the second time, loans extended earlier by PTPTN must be settled in full prior to a fresh Application
  • Students who have received PTPTN loan through previous colleges / universities but have left or have not completed their course, are required to terminate the contract and make full payment with PTPTN before a new application can be made
  • As of Jan 2012, it is compulsory to open a SSPN (Skim Simpanan Pendidikan Nasional) account if students want to apply for a PTPTN loan


SSPN Account
The National Education Savings Scheme (SSPN) is a savings scheme specifically designed by the National Higher Education Fund Corporation (PTPTN) for higher education financing purposes.

Beginning the 1 st Jan 2012, students applying for PTPTN education loans must have an SSPN account with minimum savings amount of RM20.00. An SSPN account can be opened at: Maybank, CIMB Bank, Bank Simpanan Nasional, Agro Bank, Bank Rakyat and Bank Islam.

For a fast transaction, you are advised to open the SSPN Account with Maybank only. You can check your SSPN account statement the next day after opening your SSPN account on the PTPTN website.

Any inquiries, please contact the PTPTN Hotline at 03-2080 4455.

Online Applications 
All applications for PTPTN loans must be made online. Applicants must apply through the PTPTN Online Application Website at during the opening and closing dates of the application. Applicants are required to have an e-mail ( or for correspondence purposes.

The PIN number can be purchased from Bank Simpanan Nasional (BSN) for RM5.00 (valid for 6 months ONLY). Please keep the receipt for website log-in purposes.

Should there be any difficulty in logging-in or in resetting the password, please contact:

PTPTN One-Stop-Centre 
Unit 1 & 2A, 2B, 
Level 2, Stesen Sentral Kuala Lumpur 
50470 Kuala Lumpur 
Contact Number: +603- 2080 4455
Official Website:

Operation Hours: 
8.30am to 5.00pm (Monday to Thursday) 
8.30am to 12.15pm and 2.45pm to 5.00pm (Friday)


Application and Submission

For online applications the document below are required to submit. The document must be A-4 sized photocopies that have been certified as true copies:

  • Applicant's Identification Card (IC)
  • SSPN Account Deposit Slip / SSPN Card
  • SPM Certificate or UEC (for those not taking SPM)
  • STPM / A-Levels / UNITAR University Foundation / Local Matriculation / Recognized Diploma results and/or others
  • The first page of applicant's bank account book. For those without a bank account, please open an account with Bank Islam(BIMB) and provide the account statement from the same bank
  • Parents' Pay slip (the latest month) / Government Pensioner's Card / Parents' J/EA/EC/BA Form / Income Certification Form
  • Certificate of Death (if parents are deceased) or Statutory Declaration (if parents cannot be traced)
  • Confirmation Letter from the Welfare Department if applicant / mother / father / guardian are receiving monthly payment from the agency
  • Letter of Acceptance from UNITAR University. (Will be provided by the Institution)

All photocopied documents and the PTPTN Declaration Form can only be from a certified true copy & witnessed by:

  • Principal / School Headmaster/Headmistress/Senior Assistant of Student Affair (Government Schools only)
  • Professional and Management Group of Government Officers (formerly from Category A)
  • Law Enforcement Officers / Commissioners of Oath
  • Justice of Peace / Government State Secretariat Committees ( State Executives)
  • Village Penghulu/ Village Headman ( Penggawa) / Longhouse Head ( Tuai Rumah) / Tribal Leader ( Ketua Kaum) /Commissioned District




RM3,400 – RM6,800
RM3,400 – RM6,800
RM6,800 – RM13,600



Loan Repayment 
The borrower is encouraged to pay back the loan without waiting for the Letter of Claim. The period of loan repayment is based on the total loan taken as follows:

Total Loan
Period of Repayment
RM10,000 and Below
60 Months (5 Years)
RM10,001 to RM22,000
120 Months (10 Years)
RM22,001 to RM50,000
180 Months (15 Years)
RM50,001 and Above
240 Months (20 Years)
  • Administrative costs of 4% annually will be charged on the date of loan repayment up to 31st December 2003. From the 1stJan 2004, the administrative cost is reduced to 3% annually on the remaining monthly loan.
  • Administrative costs will be calculated 6 months after completion of study or termination of loan as specified in the signed agreement. No reduction is given in administrative cost.
  • Deferment of repayment can be considered for borrowers who continue their studies or who are not yet working by submitting an application. However, administrative cost will be charged during the period of deferment.
  • Administrative costs will be waived for full repayment of loan within 6 months.
  • Exemption of repayment will only be considered for borrowers who obtain ‘First Class Honours’ for loans approved prior to 1st July 2005 ONLY by submitting an application.

In order to guide students for a PTPTN application please download Panduan Perjanjian PTPTN.



This scheme allows Employees Provident Fund (EPF) members to withdraw from Account II to pay the fees to undertake further studies in local or overseas institutions.

Eligible EPF members may withdraw the maximum amount of the total fees or all balances in Account II, whichever is lower. Members may apply for withdrawal in each academic year provided that there is balance left in Account II.

How to apply
Before applying for withdrawal under this scheme, EPF members are required to check the balance in Account II and obtain a letter from EPF that specifies the amount that can be withdrawn. Members can apply by completing the KWSP 9H (AHL) form and submit together with supporting documents.

Employees Provident Fund
Bangunan KWSP 
Jalan Raja Laut 
50350 Kuala Lumpur
Tel:+603- 89226000 


The Social Security Organization (SOCSO) provides social security protection by social insurance including medical and cash benefits, provision of artificial aids and rehabilitation to employees to reduce suffering and to provide a financial guarantee and protection to the family. It is commonly known in the Malay term as PERKESO or Pertubuhan Keselamatan Sosial.

One of the benefits, which SOCSO provides for Malaysians is the education benefit, which comes in the form of a loan disbursed out to dependent children who are recipients of a monthly benefit for Dependent's Benefit, Survivor's Pension, children of an employee who are recipients of a monthly benefit of Permanent Disablement and Invalidity Pension

Although this benefit is in the form of a loan, it can, however, be converted into a scholarship if the child obtains excellent result. This fund is for the benefits of SOCSO members / contributors in the form of loan given to dependent children who are in receipt of a monthly benefit for:

  • Dependent's Benefit
  • Survivor's Pension or children of an employee who are in receipt of a monthly benefit for Permanent Disablement or Invalidity Pension.



Applicants must be dependent children of an employee who are contributors to the SOCSO insurance schemes, receiving Invalidity Pension, receiving periodic, or permanent disablement. Applicants can also be children of contributors who died while in employment because of injuries, or died before reaching their 55th year. The applicants must be below 21 years of age, unmarried at the time of application and pursuing degree, diploma or certificate courses recognised by the Education Ministry. This loan is given to deserving students who have done well in their examinations and are admitted to institutes of higher learning.

The following persons are not eligible for the loan: siblings of the insured, matriculation/foundation/scholar students.

Loan coverage

SOCSO is offering educational loans, amounting to as much as RM100,000, to children of members who are in receipt of monthly invalidity pensions.

The borrower is required to repay the loan via monthly installments once the person has completed the study programme.

How to apply
Application has to be made by completing the "Permohonan Pinjaman Pendidikan PERKESO" form available at the local SOCSO office. You can also for more information.


Foundations or Yayasan in Bahasa Malaysia, are non-profit organizations that provide funds and support to other entities or to charitable organizations. Most of them provide study loans to deserving students. Please refer to the state that you are born/live as the terms and conditions for every states differ from one another.