{"id":18648,"date":"2017-10-18T20:00:00","date_gmt":"2017-10-18T12:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/ultimate-guide-student-loans-malaysia.html"},"modified":"2026-03-27T10:09:33","modified_gmt":"2026-03-27T02:09:33","slug":"ultimate-guide-student-loans-malaysia","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/loans\/ultimate-guide-student-loans-malaysia.html","title":{"rendered":"Ultimate Guide To Student Loans In Malaysia"},"content":{"rendered":"<p>We know how frustrating it is to juggle finance while pursuing quality education in both Malaysia and overseas. That\u2019s why EasyUni,\u00a0a local education website for student has come up with some of the most popular education loan schemes available here in Malaysia, as a guide for students to reach their passions and dreams.<br \/>\n<!--more--><\/p>\n<p>The top 4 loans available to prospective students are PTPTN, KOJADI, MARA and MIED, with an addition of a top-up loan scheme called SPP1M.<\/p>\n<h2><strong>1.\u00a0<a href=\"http:\/\/www.ptptn.gov.my\" target=\"_blank\" rel=\"noopener\">PERBADANAN TABUNG PENDIDIKAN TINGGI NASIONAL (PTPTN)<\/a><\/strong><\/h2>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-18678\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Macbook-Pro-Vs_-Microsoft-Surface-Pro-46-3.jpg?resize=640%2C335&#038;ssl=1\" alt=\"PTPTN Malaysia\" width=\"640\" height=\"335\" \/><\/p>\n<p>PTPTN was established under the National Higher Education Fund Corporation Act 1997 to provide and manage education saving schemes for students aiming for higher education studies including Diplomas, Advanced Diplomas, First Degrees, Master\u2019s Degrees, PhDs and other professional courses.<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-18679 aligncenter\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/ptptn-1.png?resize=560%2C315&#038;ssl=1\" alt=\"ptptn \" width=\"560\" height=\"315\" \/><\/p>\n<p>This loan scheme covers a wide range of courses but does not cover private pre-university courses such as MUFY, AUSMATS, A-Levels, and various Matriculations studies.<\/p>\n<p>There are 3 categories to guide you on how PTPTN will sponsor an individual. These categories depend on the household income of a family and the course and institution an individual decides to study in. Have a look at these categories:<\/p>\n<ul>\n<li>Category A \u2013 Household income of below RM4,000 and BR1M recipient will receive a maximum amount of loan<\/li>\n<\/ul>\n<ul>\n<li>Category B \u2013 Household income of below RM8,000 and above RM4,000 will receive 75% of the maximum amount of loan<\/li>\n<\/ul>\n<ul>\n<li>Category C \u2013 Household income of above RM8,000 will receive 50% of the maximum amount of loan<\/li>\n<\/ul>\n<p>Additionally, if students are able to achieve a First Class Honors and a CGPA of 3.70, the loan will directly be converted into a scholarship! If not, repayments are expected 6 months after graduation with a flat rate interest of 1%.<\/p>\n<h2><strong>2.\u00a0<a href=\"http:\/\/kojadi.my\/v2\/index.php?lang=en\" target=\"_blank\" rel=\"noopener\">KOPERASI JAYADIRI MALAYSIA BERHAD (KOJADI)<\/a><\/strong><\/h2>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-18680\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Macbook-Pro-Vs_-Microsoft-Surface-Pro-4-13.jpg?resize=640%2C335&#038;ssl=1\" alt=\"KOJADI\" width=\"640\" height=\"335\" \/><\/p>\n<p>KOJADI was established in 1981 to provide financial aid for their members who are considering tertiary education. Currently, KOJADI offers 13 loan schemes that caters to a variety of education courses, as listed below:<\/p>\n<p>A. KOJADI Higher Education Loan Scheme (HELS)<\/p>\n<p>B. KOJADI Special Education Loan Scheme (SELS), an extension of HELS for member-students who are ineligible for HELS loan, including:<\/p>\n<ul>\n<li>KOJADI Vocational Education Loan Scheme (S-VELS)<\/li>\n<li>KOJADI Institute Education Loan Scheme (S-JELS)<\/li>\n<li>KOJADI Education Loan Scheme for TARC Graduates (S-TAR)<\/li>\n<li>KOJADI Education Loan Scheme for Local University Studies (S-LUS)<\/li>\n<li>KOJADI Education Loan Scheme for Foreign University Studies (S-FUS)<\/li>\n<li>KOJADI Education Loan Scheme for Independent Secondary School Certificate Holders (S-ISS)<\/li>\n<li>KOJADI Education Loan Scheme for Early Childhood Education (S-ECE)<\/li>\n<li>KOJADI Education Loan Scheme for Overseas Postgraduate Studies (S-LPS)<\/li>\n<li>KOJADI Education Loan Scheme for Universiti Tunku Abdul Rahman (S-UTAR)<\/li>\n<li>KOJADI Education Loan Scheme for Students of Foundation Programmes (S-PUF)<\/li>\n<\/ul>\n<p>C. KOJADI Education Loan Scheme for MINOR (ELSM)<\/p>\n<p>Here\u2019s some information on how to be eligible, apply and repay your loans from KOJADI:<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-18681 aligncenter\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/kojadi-1.png?resize=640%2C359&#038;ssl=1\" alt=\"kojadi 1\" width=\"640\" height=\"359\" \/><\/p>\n<p>Amount of loans that can be applied for are RM10,000, RM15,000, RM20,000, RM25,000, RM 30,000 and RM35,000. New members of KOJADI will get an interest rate of 6.8% on the first year and 7.8% on the second year onward for new members of KOJADI. Existing members of KOJADI with a minimum of 5 years membership will get an interest rate of 5.8% on the first year and 6.8% on the second year onwards.<\/p>\n<p>Repayments are expected to commence on the 4<sup>th<\/sup> month after students have completed their studies. Before that, loan interest up to 4 months during the study period will also be waived if repayments are done at the time. The tentative monthly repayments amount depends on how much an individual has borrowed, as shown in the infographic above.<\/p>\n<h2>3.\u00a0<a href=\"http:\/\/www.maybank2u.com.my\/mbb_info\/m2u\/public\/personalDetail04.do?channelId=LOA-Loans&amp;cntTypeId=0&amp;cntKey=LOA15.01&amp;programId=LOA15-SPP1M&amp;chCatId=\/mbb\/Personal\/LOA-Loans\" target=\"_blank\" rel=\"noopener\"><u><\/u><strong>SKIM PRIHATIN PENDIDIKAN 1MALAYSIA (SPP1M)<\/strong><\/a><\/h2>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-18682\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Macbook-Pro-Vs_-Microsoft-Surface-Pro-47-1.jpg?resize=640%2C335&#038;ssl=1\" alt=\"education loan\" width=\"640\" height=\"335\" \/><\/p>\n<p>Through collaboration between Maybank and Yayasan Peneraju, SPP1M is designed to provide financial aid to benefit Malaysian students who are pursuing a Bachelor of Master\u2019s Degree in local private or public universities. SPP1M acts as a top-up education loan scheme, to further help students reach their education goals!<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-18683 aligncenter\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/SPP1M-1.png?resize=640%2C359&#038;ssl=1\" alt=\"SPP1M 1\" width=\"640\" height=\"359\" \/><\/p>\n<h3>SPP1M covers a wide range of courses from local universities including:<\/h3>\n<ul>\n<li>Asia Pacific University of Technology and Innovation (APU)<\/li>\n<li>Binary University of Management<\/li>\n<li>Cyberjaya University College of Medical Sciences<\/li>\n<li>International Medical University<\/li>\n<li>Infrastructure University of Kuala Lumpur<\/li>\n<li>Management and Science University<\/li>\n<li>Monash University Malaysia<\/li>\n<li>Multimedia University<\/li>\n<li>Nilai University<\/li>\n<li>Sunway University<\/li>\n<li>Swinburne University of Technology Sarawak Campus<\/li>\n<li>Taylor\u2019s University<\/li>\n<li>Universiti Kuala Lumpur<\/li>\n<li>Universiti Teknologi Petronas<\/li>\n<li>Universiti Tenaga Nasional<\/li>\n<li>Universiti Tunku Abdul Rahman<\/li>\n<li>Universiti Tun Abdul Razak<\/li>\n<\/ul>\n<p>With a maximum loan up to RM200,000, students can study their most interested courses and build a career of passion for themselves. Repayment of loans starts upon employment of 6 months after completion of study.<\/p>\n<h2>4.\u00a0<a href=\"http:\/\/www.mara.gov.my\/\" target=\"_blank\" rel=\"noopener\"><u><\/u><strong>MAJLIST AMANAH RAKYAT (MARA)<\/strong><\/a><\/h2>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-18684\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Macbook-Pro-Vs_-Microsoft-Surface-Pro-4-14.jpg?resize=640%2C335&#038;ssl=1\" alt=\"MARA education loan\" width=\"640\" height=\"335\" \/><\/p>\n<p>Since its beginning in 1966, MARA runs as a scholarship program and loan scheme for Malaysian students from Bumiputera who also qualify for their loan schemes. Priority is even given to Malaysian students attending Malaysian universities, but are not only restricted to them. Here is an overview of the eligibility, application process and repayment system for MARA:<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-18685 aligncenter\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/mara-1.png?resize=640%2C359&#038;ssl=1\" alt=\"mara 1\" width=\"640\" height=\"359\" \/><\/p>\n<p>Once your application is made, the allowance eligible will be stated on the offer letter given by MARA. Monthly allowance can range between RM500 to RM700 based on family income.<\/p>\n<p>Upon completion of study, students may convert their full loans into a scholarship with a 75% discount based on an academic excellence by maintaining a CGPA of 2.75 or above. Students will need to submit a few documents including a copy of the degree, copies of transcript for all semesters and a copy of their identity card to MARA to convert their loan.<\/p>\n<h2>5.\u00a0<u><\/u><strong>MAJU INSTITUTE OF EDUCATION DEVELOPMENT (MIED)<\/strong><\/h2>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-18686\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/Macbook-Pro-Vs_-Microsoft-Surface-Pro-48-1.jpg?resize=640%2C335&#038;ssl=1\" alt=\"MIED\" width=\"640\" height=\"335\" \/><\/p>\n<p>Started in 1984, MIED has since provided and supported students in need to assist them in their dream to pursue a higher education. Today, MIED is one of the most trusted provider of study loans to the members of Malaysian Indian community.<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-18687 aligncenter\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/MIED-1.png?resize=640%2C359&#038;ssl=1\" alt=\"MIED 1\" width=\"640\" height=\"359\" \/><\/p>\n<p>MIED offers a maximum of RM50,000 study loans to recognized universities in the public higher education institutions (IPTA), private higher education institutions (IPTS), and overseas or foreign universities recognized by Jabatan Perkhidmatan Awam (JPA). These loans will cover part of an individual&#8217;s tuition fees and will be paid directly to the institutions.<\/p>\n<p>Shortlisted candidates for the MIED student loan will be expected to attend a selection interview at the MIED office after an arranged date and time.<\/p>\n<p>Repayments will also be expected 6 months from the time of completion of studies with an imposed 4% per annum administrative charge.<\/p>\n<p>Or, make your life easier by applying for the <a href=\"https:\/\/www.comparehero.my\/personal-loan\/education\" target=\"_blank\" rel=\"noopener\">best personal loan from us here<\/a> for your children\u2019s or your education!<\/p>\n<p><strong>About EasyUni.Com<\/strong><\/p>\n<p><a href=\"https:\/\/www.easyuni.my\/en\/?utm_source=easyuni&amp;utm_medium=referral\">EasyUni<\/a> is the leading online destination for finding your dream University or College. We help students to search, compare, shortlist, and apply to Universities and Colleges around the world. EasyUni is aimed to make the process of choosing and applying to University and College easy for the potential students. Students can search, compare, shortlist and APPLY to universities and find more information about institutions through reviews, photos, videos, as well as read find useful advice, <a href=\"https:\/\/scholarships.easyuni.com\/?utm_source=easyuni&amp;utm_medium=referral\">scholarships<\/a> and information on studying abroad.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>We know how frustrating it is to juggle finance while pursuing quality education in both Malaysia and overseas. That\u2019s why EasyUni,\u00a0a local education website for student has come up with some of the most popular education loan schemes available here in Malaysia, as a guide for students to reach their passions and dreams.<\/p>\n","protected":false},"author":173139450,"featured_media":59687,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[420],"tags":[],"class_list":["post-18648","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ultimate Guide To Student Loans In Malaysia - CompareHero<\/title>\n<meta name=\"description\" content=\"We know how frustrating it is to juggle finance while pursuing quality education in both Malaysia and overseas. 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