u need to called or go to counter asking bfore u paid it.
last time i paid, then my account still hutang, then i called, he said, u need to go to counter to asking, online payment ptptn update very later.

then i go counter & make a clarify for cleaning the balance.
now PTPTN discount 20% of the total amount from my payment.
the discount credit PTPTN still haven't refund for me.
i called, & they said, need time to refund bcos too many ppl lo.

cannot lah, that y u need to pay the insurance lo.
u must go counter for asking, then counter will give u a total amount, let said, hutang 1000, after discount at counter, u need to paid for RM 800. Biasa is instant paid after the amount given from counter.

if u pay without asking counter u will endup this lo.
for surat pelepasan, u can get it easi, bcos both r diference department. even u got surat pelepasan hutang, but when u check at website n u still hutang...mean u still hutang PTPTN & the kos pentabirand keep rolling.

Full paymnet, paid 1000, then after varify, ptptn will refund the remaining 200 for u.
Insurance & kos pentabiran after that will be zero.

for reference

full pay...after discount PTPTN own me.
some more got bunga wei.

this year, rumor said is 40% discount...oh wait.