Hard to get that as they're eyeing for bright student and that's what differentiate between a scholarship and a educational loan. Scholarship has a stricter requirement in term of academic results and other leadership qualification.

This post has been edited by David83: Mar 9 2006, 09:22 PM

What do you expect from bureaucracy? But I don't feel so with my university academic calendar.

This post has been edited by David83: Mar 13 2006, 07:54 PM

There's no 100% guarantee and it's very subjective. First you must at lease meet their minimum requirement. But the chance is quite high.

Cannot promise also but I thought you must be in the college in order for to apply for the loan. You must have the college's offer letter IIRC.

If i'm not mistaken, PTPTN is not offering loan for twinning programme (program berkembar) right? Correct me if I'm wrong. All degrees must be completed locally ...

This post has been edited by David83: Mar 14 2006, 01:17 PM

It's not as simple as that. They have a formula for that.

This post has been edited by David83: Mar 14 2006, 10:43 PM

That's not really the case. I got a senior and a friend who is a PTPTN holder and at the same time, they're (or were) Intel scholars. Any explaination for this?

This post has been edited by David83: Mar 14 2006, 11:48 PM

Well, then for sure your little paragraph explained is valid. The amount given by Intel is RM 5k (IIRC) which is much more lesser than the amount of PTPTN full loan. Both of them got full loan from PTPTN and of course, they are bright and smart students (first class holder and nearly four flatter).

This post has been edited by David83: Mar 15 2006, 12:05 AM

You must be in a local college/university in order you can apply for PTPTN because you need to attach the offer letter.

Can you elobrate more? I can't get you.

Starting two years ago ... thank you to ...

I thought you can choose not to pay it till PTPTN disburses the money. Perhaps MMU is getting more money-minded now and policy is changed from last time.

Those only happen if you got partial loan from PTPTN.

RM 16.5k for IPTS.

3% for now.

You must start to pay back after 6 months of your graduation date unless you apply for delay. If you could repay within the first 6 months, no interest will be imposed. You may choose in monthly basis or in a large sum if you want to save some bank charges.


Never heard such thing before.

^That's the maximum amount given by PTPTN. They call it as FULL loan.

The total tuition fee for foundation is roughly RM 8k. This means that you need to fork the remaining RM 3k on your own.

Regarding the payment and relationship of PTPTN-MMU, there's one of time where students are given an option to sign an official document/agreement that allows MMU to take the disbursed money in advance and balance after the deduction of tuituon will be banked in back to students' bank account. I have chosen not to sign that document. I'm not so sure about the current disbursement method.

This post has been edited by David83: Mar 18 2006, 01:45 AM

During my batch, it was channelled straight to MMU account.

Then came the foolish agreement that requires students' consent.

Now what?

Make a try on your own and if you did success. Share with us your approach.

The minimum salary requirement is very subjective thing. Barely to know what they use to measure and determine if you're qualified for it.

It's possible to fake and just that you need to know the right channel and method for doing so.