实际贷款金额取决于你的课程、大学和家庭收入。
什么是PTPTN？
PTPTN (Perbadanan Tabung Pendidikan Tinggi Nasional) is Malaysia's national education loan designed to make university more affordable.
它并不会覆盖所有费用——你的总费用取决于：
- University choice
- Course fees
- Scholarship eligibility
- Available for Foundation (selected unis), Diploma, and Degree programmes at private institutions
- Loan disbursed directly to university — no cash handling required
- Repayment begins 12 months after graduation
- 20% repayment discount for graduates with CGPA ≥ 3.0
- Can be combined with partial university scholarships
PTPTN贷款金额 — 私立大学
私立大学的官方年贷款金额，按家庭收入等级分类。
| 教育等级 | STR Recipient | < RM 8,000 | > RM 8,000 |
|---|---|---|---|
Foundation Selected private unis only (MMU, UNITEN, UTP, UNIRAZAK, UNITAR) | RM 6,800 | RM 5,100 | RM 3,400 |
Diploma (Pharmacy, Dentistry & Health Science) | RM 12,750 | RM 9,560 | RM 6,380 |
Diploma (Other) STR amount up to RM 8,000 at selected institutions with simpanan bertakaful | RM 6,800 – 8,000 | RM 5,100 | RM 3,400 |
Degree — Medicine | RM 50,000 | RM 37,500 | RM 30,000 |
Degree — Pharmacy, Dentistry & Health Science | RM 17,000 | RM 12,750 | RM 8,500 |
Degree — Science | RM 14,030 | RM 10,520 | RM 7,010 |
Degree — Humanities / Business | RM 13,600 | RM 10,200 | RM 6,800 |
Postgraduate (Masters / PhD) Not eligible at private institutions | N/A | N/A | N/A |
Professional Courses (e.g. ACCA) Not eligible at private institutions | N/A | N/A | N/A |
Source: PTPTN. Amounts shown are per academic year for private institutions only. Final approval is subject to the course, university accreditation, and PTPTN assessment.
PTPTN如何配合你的大学申请
通过EduGPS申请大学的学生可免费获得PTPTN申请协助。
Apply through EduGPS
Submit your university application through EduGPS. Our advisors will guide you on PTPTN eligibility at the same time.
Receive your offer letter
Once you receive your university offer letter, you can proceed with your PTPTN application.
Submit PTPTN application
Apply online at ptptn.gov.my with your offer letter, IC, and supporting documents. EduGPS advisors assist with document preparation.
Receive loan disbursement
PTPTN disburses the loan directly to your university each semester to cover tuition fees.
EduGPS supports PTPTN applications ONLY for students who apply through us. This ensures your application is submitted at the right time with the right documents.
PTPTN申请所需文件
PTPTN资格条件
你符合资格如果你…
- A Malaysian citizen
- Enrolled at an accredited local university
- Studying a full-time programme
- Not already receiving a full scholarship
- Applying before the semester starts
你可能不符合资格如果你…
- Are a non-Malaysian citizen
- Are studying overseas
- Have an existing PTPTN loan in default
- Are receiving a full (100%) scholarship
- Are studying part-time
光靠PTPTN是不够的
大多数学生只依赖PTPTN，没有考虑全局。以下是你可能忽略的：
PTPTN covers part of your fees
Depending on your university and course, PTPTN may only cover 50–80% of your total tuition. The rest comes from your pocket.
Scholarships reduce your total cost
The right university scholarship can reduce your fees significantly — and in some cases, eliminate the need for PTPTN entirely.
University choice affects how much you pay
Different universities charge different fees for the same course. Choosing the right one can save you tens of thousands of ringgit.
仅适用于马来西亚大学PTPTN常见问题
PTPTN支持 — 我们帮助谁
我们协助PTPTN申请 仅限 通过EduGPS申请大学的学生。
Ensure correct application timing
Guide your documents properly
Align your funding with your university choice
你已经申请大学了吗？