during my time (2005), need to start paying ptptn 6 months after graduate.

to be precise, the ujrah plan is to deduct your salary every month automatically, based on the amount that should pay as stated in new plan.

Ujrah is not compulsory for old PTPTN borrowers, but it's compulsory for new borrowers. This is to avoid the defaulters of not paying back the ptptn.

I'm still stick with 3% and paid whenever I have leftover fund to pay.

The relatives need to help the deceased clearing the loans. There's no such thing as the person dies, the loan also terminated.

bring all the documents (IC, surat tawaran, agreement, etc) to the nearest PTPTN branch. It's easy to talk with them personally face to face.

Baki keseluruhan pinjaman = jumlah pinjaman + monthly interest (admin fee)
If you still studying, baki Keseluruhan pinjaman is the amount you have used (not inclusive interest)

www.thestar.com.my/News/Nation/2013/08/19/Education-PTPTN-loan-Bank-Negara-CCRIS-database.aspx

KUALA LUMPUR: Starting this month, the National Higher Education Fund Corporation (PTPTN) is collaborating with Bank Negara to list PTPTN loan holders under the Central Credit Reference Information System (CCRIS).

According to Education Minister II Datuk Seri Idris Jusoh, those who have not settled their loan repayments should discuss this matter with PTPTN or they might face difficulties when applying for other loans.

However, he said this was not something scholars should worry about.

"This system was put in place for those who are adamant about not repaying their loans," said Idris during a press conference Monday after the PTPTN Hari Raya celebration here.

He added that those unable to repay their loan could discuss their payment plan with PTPTN to come up with a new repayment schedule.

This would enable their names to be excluded from the CCRIS database, he added.

Those who managed to repay their loans in one lump sum before Sept 30 this year will get a 20% discount.

here's the answer.

https://forum.lowyat.net/index.php?showtopi...post&p=47459058

it's call interest stacking.

the more you delay making payment, the interest will stack up based on the balance left.

the only way to reduce that is to pay it back.

kindly honor the agreement. You signed it.

I can go in
http://epay.ptptn.gov.my/loan/ptptnlogin.html

you can get it from the letter that request you to pay back (which inclusive nombor surat tawaran and nombor pin)

the pin number is your nombor pinjaman to login to efes

If you forget, you can retrieve it via SMS.

PTPTN NOPIN<SPACE>NOKP
Example: PTPTN NOPIN 820504159636
and send to 33199

If you keep all PTPTN letters, look for this document. Then, look for no. Pin on the right side of the letter. Otherwise, you need to contact PTPTN.

I don't have such issue login via firefox / IE.

My pleasure