this is along berlesen. anybody can apply. if you're working, you can try to workaround your payment with EPF, like delay your study for a semester or two when there's not enough fund in account 2.

the 3000 actually is for initial payment. if you're dirt poor, and can't afford the initial payment and cost, you can apply for Wang Pendahuluan Pinjaman and you'll get the payment a week before registration. the 3000 is gross income for household. mean if 3 people staying with you are working, then you must combine all 3 gross income and it must be less than 3000.

if you're not qualified for this Wang Pendahuluan Pinjaman, you can always lie about your household income, they not gonna check.

you know what is gross income right? otherwise go sit for STPM first. they have a subject called Pengetahuan Am where you'll have a chance to learn to differentiate gross vs net of anything.