I believe most scholarship will require you to drop your PTPTN, if you're successful in getting it. There is no point to it, you get the money, spend it now and pay back later with interest? That's just silly.

AFAIK, JPA requires you to drop PTPTN, if you're successful in getting their scholarships.

Ok, see here now. Kuok scholarship and PTPTN is a different entity. Why should Kouk foundation bank into your PTPTN bank account? The normal procedure (applying my concept of JPA scholarship here) is that they will give the money to your university, your university will cut the amount for tuition fees, and the amount for allowance is banked into your personal account. However, this varies for different scholarship provider.

Yes, you're right to apply for it to pay your 1st sem course. But the right thing to do now is to cancel your PTPTN, somehow get the money from your parents to pay back the 1st sem, or ask Kuok scholarship if they can provide to pay back for the 1st sem fees.

Hope that helps. Go to your finance division and ask them about it, they would probably be able to explain the procedure to you.