Here's A Step-By-Step Guide On How To Pay Your Outstanding PTPTN Loan Online

If you don't feel like visiting one of their counters, or downloading the app.

Cover image via The Malaysian Reserve & Burst/Unsplash

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For 25 years, PTPTN has provided an opportunity for all Malaysians to pursue tertiary education without having to worry about financial restraints

Making up a branch of the government's effort to forward the minds of young people (and mature people alike), the past few years have seen a radical shift in the mechanisms being made available to the public in relation to accessing PTPTN.

Among them include the various ways in which borrowers can now make repayments steadily and securely. Though some prefer to make all their payments in person, others opt for the handy myPTPTN app via their phones. Meeting the technological advancement half-way, you can also log on to your computers and get the process done just as swiftly through their online portal.

Image for illustration purposes only.

Image via PTPTN (Provided to SAYS)

Here are nine simple steps to repay your outstanding PTPTN balance via their website:

1. Telephone a PTPTN office and inform them of your intention to repay your outstanding amount

Now now, let's not rush our way into making the payment. How do we start?

Firstly, you'll have to telephone one of the PTPTN branch offices to notify them of your intention to make a quick repayment. For those with easy access to a mobile phone, you can search the list of their branches all throughout the nation, and call the outlet closest to your location. Click here for a complete list of all the offices in the nation.

Thankfully, however, PTPTN has also introduced numerous methods of contacting them since the pandemic began. These other options include their careline, a live chat agent, an e-aduan officer, and even through a social media officer. Click here to check out all the alternative methods of getting in touch with them.

During your call, you should receive a password for your respective account. That way, you'll be able to access your balance after logging into their portal.

Image for illustration purposes only.

Image via The Malaysian Reserve

2. Visit the PTPTN portal

Upon reaching the portal, you should come to their main page. Proceed by scrolling down and viewing the 'Apa Yang Kami Sediakan?' column. Continue by clicking the 'e-perkhidmatan' button under the 'Bayaran Balik Pinjaman Pendidikan' section of the column, which should be in the middle of three selections.

The first thing you'll see when opening the PTPTN portal.

Image via Portal Rasmi PTPTN

You'll then be redirected to the 'Bayaran Balik e-Perkhidmatan' page. After that, find the 'Penyata Pinjaman' section, which should be the third box from the left on the first row. After finding it, click the button beneath it that reads 'Selanjutnya'.

3. The portal will proceed to redirect you to a page titled 'Semakan Penyata Pinjaman'

Once you've approached this page, key in your identification card number (IC) within the box that reads 'SILA MASUKKAN NO KP AWAM'.

Your IC number will then appear beneath the box, under a header titled 'Semak Penyata Pinjaman Islamik'. Proceed by clicking 'SEMAK'.

4. You'll then be brought to i-Online, where you can check your PTPTN statement and borrowed balance

The page should look something like this, with the header reading 'PERMOHONAN PINJAMAN/SEMAKAN PENYATA'.

Image via SAYS

Fill in the relevant boxes with your information, which includes your IC number under the 'No. Kad Pengenalan' section. As for the password, or 'Kata Laluan', key in the password that you were provided by the PTPTN officer during your call earlier.

Once that is settled, click the login button ('LOG MASUK').

Image via SAYS

5. The main menu of your personal account will appear, which will include all of your personal details

To further confirm your details, check the columns that include the date of registration of your loan ('Tarikh Daftar'), the institute you studied at ('Institusi'), your course ('Kursus'), and the level of education for your respective selection ('Peringkat Pengajian').

Image via SAYS

On the left, you'll see a list of options for your account. Click 'Penyata Baki' (balance statement) to open your outstanding PTPTN loan amount.

Image via SAYS

6. You'll then be directed to a confidential page, with the heading, 'Sulit Dan Persendirian'

Image via SAYS

Some of the information provided includes your IC number, name, address, and the outstanding amount of your loan.

As you are able to receive multiple PTPTN loans depending on your personal academic circumstance, they will be listed accordingly for you to check.

Image via SAYS

7. Scroll down to the 'SKIM' section and key in the total amount you'd like to pay back

Image via SAYS

Upon registering for your PTPTN loan, a fixed monthly amount would have been provided to you for your month-to-month repayment.

Select which loan you'd like to make payment for by checking the box.

Under the 'Jumlah Bayaran' section, you may key in any figure (not below RM100) that will stand as your repayment. This amount can vary depending on your monthly preference. Once you've decided the amount, click 'Bayar'.

Image via SAYS

8. Averting you to the PTPTN Online Payment Gateway page, recheck your payment details and select your payment method

The options include an FPX payment system, or payment via debit card or credit card. After keying in all your payment details, scroll down and click the button for payment, which would be either 'Bayar dengan FPX' or 'Bayar dengan Kad Kredit'.

Image via SAYS
Image via SAYS

9. Voilà! That concludes all the steps of your payment process.

Once the payment goes through, you'll be directed to a receipt that you may save or print if you want.

Image via SAYS

Log out of your account accordingly, and repeat steps two to eight for future transactions!

Image via SAYS

Were these steps easy? Have you used it before? Let us know!

First-class grads will now be exempted from repaying their PTPTN loans:

Here's how you can make your PTPTN repayments via their app instead:

Check out how PTPTN has shaped the lives of Malaysians since their inception: