ptptn open wad? Actually now ptptn and mmu will coordinate with each other. MMU will charge students only in long sem based on credit hours. so, short sem will not need to pay to mmu. And PTPTN now come up with a system. They will bank in to students and in few seconds, the money from students account will pay the fees to mmu automatically. get it? haha. Means students no need to even do the cimb clicks... all auto...