i try to answer based on my experience ok, hope it does help u

Is PENYATA BAKI PINJAMAN the amount I have to pay?
YES

What is PENYATA KIRA-KIRA PEMBIAYAAN PENDIDIKAN? And why is it separated in years, what does it? The amount they gave me yearly?
History of credit and debit. Mean they gave u full amount and the one u paid off before

Where is my total amount? Is there an amount I can just look at to know how much I have to pay?
your first question is the answer

So payment wise, which one is better? Using bank or E-FES. I read on the back of the letter PTPTN sent me that use E-FES/FPX only charged us 50sen, while banks will charge us 1 ringgit. But the E-FES site doesn't freaking work!!

E-FES better, updated quite faster compare to bank.

EFES charged 50cent, while some bank does charge 50cent or RM1.00.

Gov website sometimes doesn't work, so wait until they work then only do the transaction

Only see the bold part below, then start to pay based on it. u will see it will deduct month after month.

if only u pay

BAKI KESELURUHAN WANG PENDAHULUAN PINJAMAN PADA NOVEMBER 2014

This post has been edited by xixo_12: Nov 30 2014, 10:34 PM