Stop emailing and start calling.

You'll get answers faster this way.

And there's no deadline for deferment. As long as you submit your request, i think PTPTN would be fine.

SSPN account is a requirement for PTPTN. Just open it, nothing too hard.

And if your uni/PTPTN ask you to open another account for CIMB/Bank Islam/etc, just do it.

You're getting a loan from them, it's best if you don't whine too much and just do what's required.

I'm sure most of us have troubled ourselves to apply for the loans.

Yes.

You need to repay the 1st sem loan, and reapply.

Stay calm.

Call the PTPTN hotline and explain your problem.

They might just tell you to do nothing.

Cover 100% of your living expenses?

Definitely not. Cover 10~30% if you are thrifty sounds about legit.

I'm gonna say something cliche on this one.

Be the best damn student you can ever be.

If you expect PTPTN to cover everything, you'll probably suffer.

It's not like IPTA where everything is subsidized. In IPTS, money talks.

Current holders should be not affected.

The agreement signed is legal and binding. I don't think they are so free redraft all the signed agreement and ask everyone to re-sign.

Disclaimer :

There might be a clause where PTPTN could actually alter your loan amount without prior notification in your offer letter.

Do read through the official paperworks before taking my words for it

Read your agreement.

I can't give you a certain answer as well

Don't be all gloomy as well.

Go to UTC or go to PTPTN Counter at KL Sentral and ASK for the letter directly from them.

Technically, if and when PTPTN finds out, you'll need to terminate one of the loan and you would need to pay em back.

Ujrah is always been 1%?

But Admin charges, that's another story. I still have no idea how they calculate that.

It's actually very easy for PTPTN to find out.

It's whether they bother to find out or not only.

Internal/External, as long as it's some kinda scholarship or loan, you're technically not eligible for PTPTN d.

Study hard, sure can get 100% scholarship one.

See your siggy also know you want to go far d, so I think you should be that capable to get 100% sponsorship la

I think Han from Fast and Furious said this:-

" 50% of something is better than 100% of nothing."

So hey, 75% off is better than 0% off. From there, push yourself even further.

Don't be lazy like me

How much?

- Depends on your course.

Fully cover?

- Definitely NO.

1. You really need to read more. For a SPTM student, I don't expect you to be spoon-fed.

But nevertheless, i shall entertain your question today.

You can apply PTPTN after you are enrolled in the university. Check the opening period for application ( with the Student Body of your university ) and purchase the PIN ( Either via yourself or the uni ) and apply online.

2. Rate of approval => Unless your parents are earning more than 5k, full loan are quite possible. ( IPTA even more possible )

But, with the new rule saying that there's reduction to PTPTN loan amount/parents must be BR1M receiver only can get PTPTN may cause what I type now to be incorrect.

Always do your own research before asking. People won't be this helpful in reality / Uni anyways

Janji lu bayar as per agreement, takde orang kisah much actually.

If you don't want to cough up any extra, just follow the payment schedule.

If you really can't afford it, go to the PTPTN Office and make your case.

Your program = Check at PTPTN web for Total loan amount

Total loan amount / number of sem = Your amount for 1 sem.

That should answer your question.

Since I'm in a fine mood today.

http://sso.ptptn.gov.my/elmas-search/

Insert your uni's name/program and see the details down there.

Call them directly then?

Currently, yes.

Next few years, who knows?

Besides, 40k loan is small matter la. If you are good, you can clear it off with 1 year's worth of bonus.

Just do well in your studies.

Call them and ask.

If they refuse to give an answer, note it down black and white so that you don't repay the full amount so much later