Iirc previously if u made any withdrawal during the campaign period u get zero GK.

well...

u withdraw... u lose @ disqualify 

simple as that

Yes, only fresh fund deposit will consider with the 1% GK between the period & no withdrawal are allow

yup.

No withdrawals till year end to be safe (since the T&C keep changing)

It's now fixed, I just created an account

I did my within few minutes. Last week
Just not sure why you cannot log into the apps.

I think they will sent the tac to your email to log onto your Web based myptptn

After that, I can log in to the apps but cannot see much without verification of Id card

I cannot confirm it, but most likely they will lent you the balance of the 50k.
If the course fees is 60k, they will only lent you 10k.

Just my guess while waiting for real experienced responses

PTPTN has many mouths to feed, definitely many students who have less resources than your family and need the loan more.

However I think you need not worry, as from my experience the loan amount is based on your income, not your SSPN savings. If your household income is b40 then only can get 100%. M40 75%, T20 50% (roughly).

Over the years you "earned" money from these funds already in the form of income tax deduction and dividend, but now don't want to pay for your own kid's edu...

You put in sspn you get 4% pa dividend
You get student  loan from ptptn, you pay only 1% ( I think I read previously)
Ptptn losses 3% for each dollar you did not take out but get loan?

my experience same, amount of PTPTN  loan independent of your savings in SSPN
i got 2 kids with PTPTN loans, amount given  depends  on  house hold income reported and
course fees.

i did at sspn counter. unlimited amount

deposit on 1/2/24, RM4999 thrushopee, but kemakkini acoount on 13/2/24. thus miss out my interest for feb. every cent count.