If paid by cash, it will straight deduct and you pay after deduction figure. They will calculate everything for you. Go to PTPTN office to settle it one shot.

Can pay using KWSP Acc 2, that's why need to go KWSP office to final verification.

Now the pinjaman pelajar section is update.
1130 reference is enhanced with "UPAH 1%"
Payment via JomPay is not captured yet.

The 1% ujrah cost or fee.

Actually I went to the office, and the officer there said can pay online using e-FES. I already obtained the letter (with the total amount payable) from them. And the officer told me that once the payment is done, I just need to inform him about it. (via email or whatsapp. The whatsapp part a bit dodgy though)

hmm... quite an interesting way. scared la, ccris will still show debt on hsbc for 15 months til paid off ya?

Thats what I thought of... I pay using my cashback cc, then balance transfer to another cc with 0% interest and 0 processing fee with x months of repayment. But will this look bad on my ccris?

For Ujrah, overpayment will be treated as advanced payment?

The fee will be charged 1st and waived later within 30 days.

by the way just shared my experience. early this month i contact ptptn careline and then after the call, that CS whatsapp me and give me the info i need. very convenient as i can whatsapp him for the doubt i have. after that i use jompay (citibank) to settle all with 15% discount. quite easy and less hassle.

Bringing everything offline and they might not be held responsible officially for what they have advise.

How the deduction works for monthly repayment?
They deduct the lump sum amount from the principal first.
And monthly you'll still be billed for ujrah?

Just found out that Citibank Cash Back doesn't reward cash rebate for JomPay transaction.

Need to test on UOB ONE.

At the end of the day, perhaps only CIMB Masterbard Cash Back got cash rebate.

PTPTN is the first oeganizartion I ever know their staff to disclose their HP publicly.
Their customer service executive disclose their HP in the email.
look like RM or sales person

Look like PTPTN really keen on collecting back money from those borrowers. 

Thanks a lot. So that means you go to the counter every month and pay? 
How many % cashback anyway?
Also, what's the benefits using JOMPay?
I got full loan of 64k for degree, and I think another 12k for foundation
Pretty much max loan.

Well, glad you are in the same position actually. I'm a grad from MMU too
And yeah, 64k is expensive.
Can I mix cash back with JOMPay though?

For the cash back, are you referring to the rm80 cashback every rm 800 spent?

Yeah thank you so much very clear and totally understand.

Their starting date to payback is so confusing, how can degree not yet started but diploma start earlier in April 2014.

I will check with them to request the PTPTN loan return period set it same as Degree as possible so it would be better because I got proceed to my degree until graduate, but graduation ceremony is way late a bit on May 2016.

So I got answer already I will try to request for longer period, paying back them by following Baki Tunggakkan should be the right way, and anyone who has outstanding of the Baki Tunggakan is why they have been blacklisted, so I will ask them the limit also. Actually pay back longer period interest is much more but 1% interest rate per year is damn low and acceptable, because the money I store in bank will have 4.5% FD meaning payback period longer...means I can gain more FD from bank.

Thanks all, I think I might return all one shot to gain 15% discount, paying 85% only seems like better than paying back monthly by a given duration.

So, I have to go to PTPTN office right? which branch or location is the best to settle down everything? currently money still in bank FD account once the maturity is over, I will return all to PTPTN, so how do i pay them because money is quite a large amount transfer fund from saving account using internet banking is it allow to do? total 70k...or request a cheque from my bank and pay back to PTPTN using a cheque.

That is the administrative charge or interest.
You'll have this even you made advance payment till you clear everything.

Actually I did ask you about this before.

Well, from your PTPTN statement, seem like I'm correct.

Even you make an advance or extra payment as long as you still have outstanding amount, you'll still continually be charged for Ujrah.

The Ujrah will continuely charges every month even if u have overpaid. It is because PTPTN system add the interest by monthly basis.

Yup but dont bother.  bcoz your monthly installment is consist of the interest that ptptn add. aslong as u pay more than the interest charged, u loan will be slowly decrease.