Doesn't matter if the loan is flagged under educational / personal, what counted are:

1. Debt to Service Ration (DSR)
2. Credit worthiness (whether you make payment on time or not).

With % of DSR, you won't be able to apply for loan.

With low credit rating, you won't be able to get a loan or will get one with high interest.

Bought a house last month after clearing my PTPTN and PL to reduce the DSR.