Entitled, but what people are talking about is withdrawing for liquidity purposes. Deposit 6k in 2015, withdraw 6k at start of 2016. If still want to claim for 2016, by end of the year must deposit 12k. Then start of 2016 withdraw all, means by end of 2016 you need to deposit 18k.

Too much overthinking really. 4% or so is a good interest rate (not even taking into account tax benefits) for something which is pretty much guaranteed. You can't (shouldnl't) put ALL your money into those high return things like stocks or business, so why not just leave that 6k/8k a year in SSPN rather than trying to roll it yearly and get headache. It's better than savings accounts and most FDs.

Agree with cempedaklife, don't think too much, just start it. Immediately you can get back money from government via tax deduction.

tq tq 
time to see which bank = "terpilih" and how to hehe.. emailing them

PS: urgh.. email address..

Facebook messaged them & sharing here - they fast
PTPTN fellow said, and i'm copying/pasting here:
"Ya, permohonan pengeluaran boleh dibuat dikaunter ptptn yang terhampir.

Pengeluaran melalui mesin ATM juga boleh dibuat di Bank Rakyat dan juga bank Islam sahaja. Pastikan tuan mempunyai kad ATM bank berkenaan. Jika telah ada akaun dan kad berkenaan, tuan perlu aktifkan kad ATM berkenaan untuk pengeluaran akaun simpanan SSPNI. Pengkatifan kad perlu dibuat dikaunter bank.

Tq"

SSPN accept debit card, so BP can pay direct 1 shot 8k