Financial Aid & Scholarships

UNITAR students have access to a variety of Financial Aid and Scholarships to assist their education journey.

Financial Aid

Refer to the following list of available Financial Aid (Loans/Financing) for UNITAR students:

AFFIN Education Financing-i

AFFIN Education Financing-i is a Shariah-compliant scheme designed for eligible individuals of selected Universities or Colleges approved by the Bank. Based on the concept of Ijarah, the financing will cover the student’s education programme.

Yayasan (State) Loans

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 in as the terms and conditions for each State differ.

*Terms and Conditions apply for all general scholarships and financial aids
*UNITAR reserves the right to change the terms and conditions at any time without prior notice.

The National Higher Education Fund Corporation (PTPTN)

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 settlements.
  • 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.


  • Malaysian Citizen
  • Not exceeding 45 years of age on date of application.
  • Received an offer from IPTS by fulfilling the entry requirements set by the Ministry of Education Malaysia and the Malaysian Qualifications Agency (MQA).
  • The courses attended by students must be approved by the Ministry of Education Malaysia and registered with PTPTN.
  • The course must obtain the Certificate of Accreditation from the Malaysian Qualifications Agency (MQA) and still be within the validity period 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)
  • Have opened SSPN1M account.

Other Criteria

Students who have received a 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.

PTPTN Application PIN Number

The PIN number can be purchased online through the PTPTN website or from Bank Simpanan Nasional (BSN) for RM5.00 (valid for 6 months ONLY). Please keep the receipt for website login purposes.


The 1Malaysia National Education Savings Scheme (SSPN PRIME) is a savings scheme specifically designed by the National Higher Education Fund Corporation (PTPTN) for higher education financing purposes.

Beginning 1 January 2012, students applying for PTPTN education loans must have a SSPN PRIME account with a minimum savings amount of RM20.00. A SSPN PRIME account can be opened online through the PTPTN website or at: Maybank, Bank Rakyat, Bank Islam, Agrobank or any PTPTN branch to get the account number immediately.

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. 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
PTPTN Careline Number: +603- 2193 3000
Official Website:

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

Total Loan for Full Time Programmes
ProgrammesTotal Loan a Year
FoundationRM3,400 – RM6,800
DiplomaRM3,400 – RM6,800
Bachelor DegreeRM6,800 – RM13,600
Total Loan for Part Time Programmes
ProgrammesTotal Loan a Year
Bachelor DegreeRM5,470
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 LoanPeriod of Repayment
RM10,000 and Below60 Months (5 Years)
RM10,001 to RM22,000120 Months (10 Years)
RM22,001 to RM50,000180 Months (15 Years)
RM50,001 and Above240 Months (20 Years)
  • Administrative costs of 4% annually will be charged on the date of loan repayment up to 31 December 2003. From 1 January 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.
  • Application for deferment of repayment can be considered for borrowers who continue their studies or who are not yet working. 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 1 July 2005 ONLY through submission of an application for exemption.


Students who require financial aid may apply for the following Scholarships / Loan Financing.

UNITAR Scholarships

I-Future Scholarship for UNITAR Students

All Foundation & Diploma Programmes
Grade (SPM/O-Levels)Entitlement
10 AsUp to 100% fee waiver off total tuition fees.
9 AsUp to 90% fee waiver off total tuition fees.
8 AsUp to 80% fee waiver off total tuition fees.
7 AsUp to 70% fee waiver off total tuition fees.
6 AsUp to 60% fee waiver off total tuition fees.
5 AsUp to 50% fee waiver off total tuition fees.
4 AsUp to 20% fee waiver off total tuition fees.
1-3 AsUp to 10% fee waiver off total tuition fees.

* Inclusive of A+, A, A-

All Bachelor’s Degree Programmes
CGPA 3.95Up to 100% fee waiver off total tuition fees.
CGPA 3.5Up to 50% fee waiver off total tuition fees.
CGPA 3.0Up to 35% fee waiver off total tuition fees.
CGPA 2.5Up to 20% fee waiver off total tuition fees.
All Bachelor’s Degree Programmes
UEC (Best 6 Subjetcs)Entitlement
6 PointsUp to 100% fee waiver off total tuition fees.
10 PointsUp to 50% fee waiver off total tuition fees.
20 PointsUp to 35% fee waiver off total tuition fees.
24 PointsUp to 20% fee waiver off total tuition fees.

*Note – A1: 1 point, A2 : 2 points, B3 : 3 points, B4 : 4 points, B5 : 5 points, C6 : 6 points

All Bachelor’s Degree Programmes
Foundation/Diploma from Other InstitutesEntitlement
CGPA 3.95Up to 50% fee waiver off total tuition fees.
CGPA 3.5Up to 40% fee waiver off total tuition fees.
CGPA 3.0Up to 30% fee waiver off total tuition fees.
CGPA 2.5Up to 20% fee waiver off total tuition fees.
All Bachelor’s Degree Programmes
A-Level (Best 3 Subjects)SACE/AUSMAT/HSC/NSWICPU (Best 6 Subjects)Entitlement
15 pointsATAR/TER 9090%Up to 100% fee waiver off total tuition fees.
13 pointsATAR/TER 8080%Up to 50% fee waiver off total tuition fees.
11 pointsATAR/TER 7070%Up to 30% fee waiver off total tuition fees.
9 pointsATAR/TER 6060%Up to 20% fee waiver off total tuition fees.

For those who think they are eligible please apply here.

Other Scholarship

*The application form can be downloaded from the respective website links. Please complete the form, attach your supporting documents and submit them to the respective bodies as per details in the website links.

AXIATA Foundation

Science/ Technology/ Engineering/ Maths/ Social Sciences/ Business/ Management

Bank Negara Malaysia

Economics/ Law/ Finance


MQA Accredited Programme

Hong Leong Foundation

Accounting/ Law/ Management/ Business


MQA Accredited Programme


MQA Accredited Programme

Malaysia Airports

Management/ Engineering/ Information Technology


MQA Accredited Programme


Accounting/Actuarial Science/ Economics/ Finance/ Information Technology/ Law/ Risk Management/ Property/ Communications/ Philosophy/ Politics

Securities Commission

Economics/ Law/ Finance/ Business



Tabung Amanah Pendidikan Negeri Melaka

MQA Accredited Programme

Top Glove

Engineering/ Medicine/ Law/ Finance/ Business/ Applied Sciences

Yang-Dipertuan Agong Biasiswa

Science & Technology/ Economy/ Law

Yayasan Khazanah

MQA Accredited Programme

Yayasan Pahang

MQA Accredited Programme

Yayasan Pendidikan Mara

Not Specified

Yayasan Peneraju Pendidikan Bumiputera

Engineering/ Finance/ Account/ Economy/ Marketing/ Technology

Yayasan Sabah

MQA Accredited Programme

Yayasan Sarawak

MQA Accredited Programme

Yayasan Selangor

MQA Accredited Programme

Yayasan Sime Darby

MQA Accredited Programme

Yayasan Terengganu

MQA Accredited Programme

Yayasan TM

Related to TM Group Business

Yayasan TNB

Engineering/ Finance/ Information Technology/ Computer Science/ Account/ Business Management

Yayasan Wilayah Persekutuan

MQA Accredited Bachelor Programme

Employees Provident Fund (EPF) (Acount II) Withdrawal Scheme for Education

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.

Beginning 2 April 2018, all withdrawal transactions for higher learning institutions can ONLY be made online via members’ i-Akaun.


e-Pengeluaran is an online EPF withdrawal application via EPF website for members with i-Akaun.

Who Is Eligible To Apply:

  • Malaysian
  • Has not reached age 55 on the date of application
  • Has savings in Account 2
  • Is i-Akaun EPF user
5 Easy Steps Using e-Pengeluaran
  • Register / Login to i-Akaun through EPF official website.
  • Choose the ‘Withdrawal’ tab. Click ‘New Application’ to begin the transaction.
  • A notification via SMS will be sent to you for a thumbprint verification at the EPF counter (Wait for notification from EPF for thumbprint verification).
  • Visit any EPF counter once notification is received.
  • Payment will be credited to the applicant’s savings account (CLAIM / UNITAR account).

Terms Of e-Pengeluaran
  • Existing educational withdrawal requirements still apply. Refer to EPF website
  • Has i-Akaun
  • Member / Subsidiary pursuing studies at Higher Learning Institution who joins e-Pengeluaran
  • Member / Subsidiary wants to settle the remaining balance outstanding to the institution that gives loans and they are participating in e-Pengeluaran.
  • For the purpose of approval, the applicant must carry out identification of thumbprint at the EPF counter
  • Payments are made via direct credit to member’s bank savings / current accounts or Institution’s account.
  • Members who do not meet the requirements of e-Pengeluaran may submit their applications at the counter or by post.


After submitting the online application please email to and provide the necessary information regarding your withdrawal. The details of information needed are as follows:

  • i-Akaun Member’s Name
  • Student Name
  • Matric No
  • Handphone No
  • Withdrawal Amount
  • Reason for withdrawal application


The Social Security Organisation Education Fund (SOCSO)

The Social Security Organization (SOCSO) provides social security protection through social insurance, including medical and cash benefits, provision of artificial aids and rehabilitation to employees to reduce suffering and to provide financial guarantee and protection to the family. It is commonly known in Bahasa Malaysia 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. Although this benefit is in the form of a loan, it can, however, be converted into a scholarship if the child obtains excellent results. This fund is for the benefit of SOCSO members / contributors in the form of a 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 employees who are contributors to the SOCSO insurance schemes, receiving Invalidity Pension or those receiving periodic or permanent disablement payouts. Applicants can also be children of contributors who died while in employment because of injuries, or died before reaching 55 years of age. The applicants must be below 21 years of age, unmarried at the time of application and pursuing degree, diploma or certificate courses recognized 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/scholarship 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 visit for more information.