i pinjam RM31k
but then need to pay back to them about RM40k
what da hell?
their management fees to high for me
sumore PTPTN is under government support
what they charge quite crazy?
when i borrow that time
they never mention i need to pay that high charge

I think the FAQ did mention that you can only do that over the counter/office/branch.

even if you can..these kind of things better go branch face to face better...

You can send email to them.
You can find the officer in charged of your account from PTPTN website:
http://eform.ptptn.gov.my/ptj/semakan-ptj.cfm

if you can go to the branch..and want to use credit card, just swipe your credit card at the branch..wont it be better?

Why u wan make full settlement?
15% discount?
u will earn much more if u invest it else where.

I want to share my method of repayment.

Previously PTPTN offered 20% on total repayment, but I didn't have enough cash lying around.

This time around, they offer 15% discount for full repayment.

My current balance is close to RM 24k (total loan was RM 80k taken in 2006, began paying in 2010. My degree was RM 104k at the time, so I got the maximum 80k loan offered). I've been consistently paying off more than I should (for the last 1.5 years I paid RM 1500 monthly)

Currently HSBC has this offer - apply for a new credit card, and get RM 15k, at zero percent interest. Repayment is 10 months.[U]

For existing HSBC members, you can only get max 10k.

I already have a HSBC account and card (used that for balance transfer previously) so I will take up the Max 10k, add on extra RM 12-13k from savings (which is just lying there and not being invested), and pay off PTPTN.

Later, I will only need to pay RM 1 k per month to HSBC for the next 10 months and I'm CLEAR! No more PTPTN Loan!!

Usual loan repayment schedule is RM 460 for 20 years. I chose to pay off earlier since it is based on reducing balance. I did not opt for Ujrah, because I was paying off faster than the schedule. I also made sure to enjoy previous rebates of 10% given from previous Gov Budget.

Point here is, if you need some extra cash = apply for HSBC. THey have limited units remaining so it's something to consider. The card is either a HSBC Amanah Visa or HSBC Visa card (zero annual fee with minimum 12 swipes annually) but I also plan on canceling it as soon as I can because I already have 5 credit cards anyway.

I think I will walk into your KL Sentral branch and just pay using Credit Card.

Then can get the letter already? 

Hi, I just settle all my ptptn few week ago, I been told i will receive the letter within 10 days, but i still not yet got my clearing letter.

What do you mean by pre-ujrah?

I thought of this option too but my debt amount after discount is RM 42k. So, I have to split into few cards and BT into 12 months and 6 months.
I only have one 12 months option now.

Or else, I pay partially with EPF and BT the remaining. I will need to work on the budget.