Study Loans

Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN)

This scheme enables students in local institutions of higher education to obtain an education loan from the National Higher Education Fund Corporation (PTPTN) to finance their education fees.

- Malaysian citizen
- Have not exceeded the minimum age limit set by PTPTN (45 years old)
- Have received a full offer for an eligible diploma or undergraduate course at Monash University Malaysia
- Monthly gross income of parents or guardians not exceeding RM50,000 (after deducting RM250 per dependent)
- For current students, must have remaining one (1) semester of actual period of study at the time of application
- Not in receipt of any other financial aid from other sponsoring institutions
- For students applying for the second time, any loan extended by PTPTN for the previous undergraduate course must be fully settled first.
- Have an SSPN-Prime account (Skim Simpanan Pendidikan National).
- Possess a Maybank Personal Savings Account.
- Refer List of PTPTN Codes to check for course eligibility for the loan
Can only be done online at PTPTN Portal. Hard copy loan applications are no longer accepted.
1.  Download and register myPTPTN (effective 15 September 2025, new myPTPTN users must register for MyDigital ID as this will be the primary login method for myPTPTN).
2.  Proceed with the loan application registration (RM5 fee).
3.  Filling out the Online Application Form. (Guide)
4.  Upload course offer letter while filling the online application form.
Important
Mode of Study: Full Time
Please note that PTPTN online applications must be accompanied with your course offer letter. Your course offer letter must include Mode of Study: Full Time. If the “Mode of Study: Full Time” is not indicated in your course offer letter, you will need to request a re-issuance of your course offer letter with this information. Please email your request to mum.admissions@monash.edu at least 5 working days in advance with the email content here.
Tarikh Mula Pengajian
For February intake students, please select Tarikh Mula Pengajian as “01/03/your intake Year”(e.g., February 2026 intake, select “01/03/2026”).
For July intake students, please select Tarikh Mula Pengajian as “01/10/your intake Year”, (e.g, for July 2026 intake, select “01/10/2026”). Please download the Julat letter and merge it with the course offer letter before uploading it during the online application.
For October intake students, please select Tarikh Mula Pengajian as “01/10/your intake Year”, (e.g, for October 2026 intake, select “01/10/2026”).
The PTPTN Online Application are open four (4) times in a year.
1.  1st February to 28th February.
2.  1st March to 31st March.
3.  1st September to 30th September.
4.  1st October to 31st October.
There are two choices to sign the PTPTN agreement.
1. Digital
You may sign the digital agreement through myPTPTN.
2. Physical
You are to print
- TWO (2) sets of the agreement (surat tawaran pembiayaan pendidikan) - page 1 to 17 on single sided page in black ink only.
- ONE (1) set of the “Semakan senarai dokumen yang perlu disertakan mengikut turutan.”
- ONE (1) set of the Lampiran A - Akuan Terimaan Surat Tawaran dan Dokumen Perjanjian.
- The Monash course full offer letter.
You are required to sign on all necessary pages and get the witness signature from an authorised officer.
There are two choices to submit the PTPTN Agreement.
1. Digital
You may purchase the SETEM Hasil and submit the digital agreement through myPTPTN, RM25 Fee.
2. Physical
You are required to buy 2 SETEM HASIL worth RM10 each from the Post Office and paste them on the dedicated page for both sets.
To submit all documents to PTPTN office within 2 weeks of the approval date. Please check the PTPTN website for the nearest office.

Loan Amount

The loan disbursement will be credited directly to the student's personal account with Maybank.
The first loan payment is released only after the completed agreement is accepted by PTPTN.
The subsequent PTPTN loan would be disbursed based on the following criteria.
1. Average score in the preceding semester 50.00 or above (PGO for M6019 course). AND
2. Has enrolled into the current semester. AND
3. Study location : Malaysia campus. AND
4. The PTPTN loan period is still active.
The subsequent PTPTN loan disbursement dates are as follow:
Semester One : 25 March.
Semester Two : 25 October.
The PTPTN Education Loan Scheme includes loan insurance to cover the loan issued by PTPTN in the event of the borrower’s death. Under the concept of group coverage, the amount of the loan issued by PTPTN to all borrowers will be fully protected from takaful operators appointed by PTPTN throughout the loan disbursement period.
The payment of loans will be suspended for a particular semester for the following reasons:-
- A student fails to maintain an average mark of 50.00% or above in the preceding semester (does not apply to BMedSci / MD course).
- A student defers their studies.
Please refer to your loan agreement for further details.
Repayment of loan shall start 12 months after completion of the course. Deferment of repayment can be considered for borrowers who continue their studies and those who are not working. An application to PTPTN must be submitted. However, administrative cost will be charged during the period of deferment.
To be eligible for the PTPTN loan repayment exemption application, students must meet the main requirements as below.
Completed the course with first class honours or equivalent.
i. Bachelor Of Engineering (Honours) with final course grade of H1 OR
ii. Bachelor Of Pharmacy (Honours) with final course grade of H1 OR
iii. Bachelor of Medical Science and Doctor of Medicine with WAM 80.00% or above OR
iv. Four Or Three years degree courses with WAM 80.00% or above AND
v. The completed course must be the same course specified in the PTPTN agreement AND
vi. Course completed within the period that had been stipulated in the PTPTN agreement.
To submit the PTPTN Loan Repayment Exemption Application to PTPTN within 12 months from the course completion date (the award qualified date stated in the Academic Record).
The approval of the PTPTN loan repayment exemption would be at PTPTN discretion.
Monash University Malaysia student may also contact the Scholarship & Study Loan by e-mailing to mum.scholarship@monash.edu / MoVa for further queries.
Effective 1st January, 2026, the PTPTN Loan Repayment Exemption (waiver) for those achieving First Class Honours or its equivalent will no longer be available to graduates from private universities (IPTS).
For those who have completed their studies in 2025, but will only be attending the Graduation Ceremony in 2026, you will still be eligible to apply for the PTPTN Loan Repayment Exemption.
Note: Terms and conditions apply. Details are accurate at the time of publication. All information is subject to PTPTN's prevailing policies and is subject to change.
Please refer this guide by PTPTN for further details.

SOCSO Education Loan Benefit

Click here to find out more about this loan.

Got a question? Message Monash Connect

Ask MoVA, Monash's virtual assistant

MoVA has answers to most common questions. If it can't find an answer, it can connect you with a real person using our messaging service.

Emergency contacts

Course Type	Loan Amount Per Year
Course Type	Sumbangan Tunai Rahmah (STR) recipients	Income less than RM8,000/month	Income more than RM8,000/month
First Diploma – Diploma of Business	RM6,800/year	RM5,100/year	RM3,400/year
First Degree – Engineering, Computer & Science	RM14,030/year	RM10,520/year	RM7,010/year
First Degree – Arts, Business & Psychology	RM13,600/year	RM10,200/year	RM6,800/year
First Degree – Pharmacy / Pharmaceutical Science / Medical Bioscience	RM17,000/year	RM12,750/year	RM8,500/year
First Degree – Bachelor of Medical Science and Doctor of Medicine (M6019)	RM50,000/year	RM37,500/year	RM30,000/year