Preferably by Dec 15....just in case......
Many forummers had mentioned that you can in Jan withdraw all excepts maybe 20 ringgit as not to close the a/c complication.

Withdraw over the counter.

It's been a month since you asked. Might want to make up your mind since you only have ~1 month to go.

Just go to the counter, pay RM8K via cash or debit card & you're good to go. As long as you have a kid, you get to claim that 8K for tax relief, which should be automatically populated for you in 2019's tax e-filing.

If you don't have a kid, then no tax relief.

Withdrawal is pretty straight forward. Just go to the PTPTN office, inform them you would like to withdraw your SSPN deposit. If you withdraw all, that's equivalent to closing account. Leave RM20 inside the account if you want to maintain it. The withdrawal will go into the bank account that you provide them in the withdrawal form.

You can also setup either Bank Rakyat or Bank Islam that ties with your SSPN account & this allows you to withdraw via ATM but IMO, it's troublesome.

So i made 3 transactions today, one via clicking on CNY Angpow banner and another 2 via the Ganjaran Kesetiaan banner.  Both brought me to the same top-up link.  Wondering if they can differentiate the 2 campaigns or it does not matter and all 3 transactions should qualify for both campaigns?