I saw the dates were supposed to be provided by PTPTN.
Never mind will call later.

Thanks for the information! I will need to check the dates and see if I'm not mistaken I cannot do e-Pengeluaran because of the dates.

Just clear off. Even after the news is out, I will still proceed for full settlement.
Reason being, we know PH will not give candy anymore, so 20% will not be available anytime soon.

Holy and I was from MMU.
I already paid off my foundation money. Now is Degree loan, another thing is I changed my course from Engineering to Business and MMU didn't report to PTPTN. So, eventually my PTPTN loan was still based on Engineering... Of course my cert was from Business.

The thing is I was told no loan offer letter was required, so how did EPF know about this?

I haven't gone into "E-Pengeluaran" yet. I guess I will be in deep shit now.

Edit: Managed to speak to MMU regarding this and they will help me to get one confirmation.. Apparently, there are a few ex-students have called to get this letter... Hopefully I will get one as my graduation has happened some time back.

This post has been edited by fruitie: Dec 7 2018, 05:40 PM

Reason being we are not sure what will come next. Few days ago announced mandatory salary deduction according to salary bracket. Though it's 1% interest but every month my repayment will increase 5x, I don't think it's fun. I have other commitments to factor in as well. Though this has been suspended by MoE but God knows what will happen next year. By that time, no more 20% discount (because this is Najib's budget) and I will end up paying more with higher mandatory salary deduction.

He said will be re-studied again with collective feedback from the stakeholders. Then suddenly announce new thing again.

Thanks for the alert! Else, I will have to redo everything again and losing out a lot of time. How long did it take for your friend to get her letter from MMU? For my case, I checked with the Students Affairs department and unfortunately my details were already archived, they will need some time to retrieve from Finance department.

Imagine I fill in form and what not then receive rejection SMS.

I got the letter from MMU Bursary yesterday (less than 2 working days) and immediately sent it over to a PTPTN officer. He helped me to do something in the system before I'm allowed to apply in EPF system. He did it quite instantly and followed with my withdrawal which he has approved as well. Now waiting for EPF SMS to go to nearest EPF for biometric verification.

I'm almost there.

I still have more than 10 years but I don't want to be in a situation where I have no other option left besides mandatory salary deduction. I still have other commitments to factor in so I cannot afford to have this last minute heart attack again.
The earlier proposal, it is 5x from my monthly repayment though I always pay more but not to the extent of 5x..

At least I know there won't be discount anytime soon with this new government. I am withdrawing partially but still quite a hefty amount from my Account 2, I haven't withdrawn for my house yet. Will do so when I'm moving in.. The drawback is not much left inside now. These two years have to save as much as possible from my own savings.

Well, there's no right or wrong in this issue. It's everyone's preference and budget estimation.

David83, how's your payment via EPF? Is it completed now? When will you get the full settlement letter?

According to the officer I was assigned to, I can only get it around second week of Jan.

Yeah, just realised. However, have you got the full settlement letter?

Yeah, glad that all is over. Mine is slightly different from your friend's case because I already settled Foundation payment when I was in university.
However, appreciate your pointer on the course change thingy and I recalled I have to do the same thing too as I switched faculty. Phew. So close.

I got cash back for FCB VS.

Just use online portal to pay PTPTN, I got cash back for FCB VS.

Actually you don't need to walk-in, just call careline (wait until it's picked up) or pick any of the Sales Executives here: https://www.ptptn.gov.my/seksyen-careline-side

Then tell the officer you are interested to do full settlement, he/she will be glad to assist you (I think they have commission). Then, you will be given with their mobile no. for further conversation in WhatsApp and will send you everything via WhatsApp. You just follow the steps that are advised and after your full settlement, this officer will send you the full settlement letter. If you walk-in, the officer who attends to you will also give you mobile no.

Already did thumb print verification on last Friday. Now awaiting money to be transferred to PTPTN. Should be transferred within these two days.

Submitted e-pengeluaran on Dec 11th 3.47 p.m., received SMS on Dec 14th 9.02 a.m.

Once I received SMS, I went to EPF centre on the same day. I asked the officer after she finished processing my case, she told me 21 working days. Based on others' experience, I know it won't take so long. So I asked her if it's taking that long because I want to make use of 20% discount by end of the year, she smiled and said should be no issue by this week. They have to say it's 21 working days because that's the standard reply.

EPF is always one of the most efficient ones among other government departments.


Alert to those intend to apply e-Pengeluaran, please do it a.s.a.p. before 21st Dec 5.00 p.m. or have to apply over counter.

Penutupan sementara perkhidmatan e-Pengeluaran

Dimaklumkan bahawa KWSP sedang menambahbaik kemudahan e-Pengeluaran bagi memberi perkhidmatan terbaik kepada pelanggan KWSP. Sehubungan itu, kemudahan e-Pengeluaran akan dihentikan buat sementara waktu pada 21/12/18 jam 5 petang dan dijangka beroperasi seperti biasa selepas jam 12.00 malam pada 1/1/19. Kepada yang ingin memohon e-Pengeluaran, sila berbuat demikian sebelum 21/12/18 jam 5 petang. Sebagai alternatif, permohonan boleh dibuat melalui kaunter KWSP. Kami mohon maaf atas segala kesulitan yang dihadapi.

Please be informed that the EPF is currently enhancing its e-Pengeluaran facility to provide better service delivery to our customers. Consequently, the online facility will be temporarily out of service from 21/12/18 at 5pm and is expected to resume normal operations after 12.00 am on 1/1/19. If you wish to use e-Pengeluaran, please do so before 21/12/18 at 5pm. Alternatively, you may send your applications through the EPF counters. We apologise for the inconvenience caused.

Just checked my status on EPF site and apparently it's already approved on 18th Dec. Payment is on the way to PTPTN.

Congrats, you are off from PTPTN debt!