The borrower is responsible for repaying the education loan / financing granted to him by PTPTN, including other costs such as administrative costs, insurance costs, revenue stamp tax and other payments as stated in the letter of offer of education loan / financing which was signed by PTPTN and the borrower.
Start Period of Education Loan/Financing Repayment Period
a. Repayment of education loan / financing starts 6 months after graduation / education financing.
b. For sponsorship prior and up to 2003, the education loan repayment period is set in accordance with the student's level of study as shown in Table 1:
Table 1: PTPTN Education Loan Repayment for Sponsorship Prior and up to 2003
| Sponsorship prior and up to 2003 | ||
| No. | Level of Study | Repayment Period |
| 1 | IPTA/ Politeknik/ IPTS Diploma | 120 Months (10 Years) |
| 2 | IPTA Degree (Arts) | 120 Months (10 Years) |
| 3 | IPTA Degree (Science) | 180 Months (15 Years) |
| 4 | IPTS Degree (Arts) | 180 Months (15 Years) |
| 5 | IPTS Degree (Science) | 240 Months (20 Years) |
c. Starting 1 January 2004, the repayment period is based on the education loan / financing amount as shown in Table 2:
Table 2: Amount and Duration of Repayment of PTPTN Education Loan / Financing Starting 1 January 2004
| From 1 January 2004 | ||
| No. | Education loan/ Financing Amount | Repayment Period |
| 1 | RM10,000 and Below | 60 Months (5 tahun) |
| 2 | RM10,001 to RM22,000 | 120 Bulan (10 tahun) |
| 3 | RM22,001 to RM50,000 | 180 Bulan (15 tahun) |
| 4 | Above RM50,001 | 240 Bulan (20 tahun) |
d. The repayment period for recipients who receive offer of loan conversion from 3% to "Ujrah" 1% education financing based on the balance of the repayment period according to the original agreement.
Administrative Costs and "Ujrah" / Wages
Table 3: Implementation of Administration Costs and "Ujrah" / Wages
| No. | Date of Approval/ Implementation | Administration cost/ "Ujrah" |
| 1 | Prior 1 January 2004 | 4% per annum on reducing balance |
| 2 | From 1 January 2004 | 3% per annum on reducing balance |
| 3 | From 1 March 2007 (master, PhD and profesional courses only) | 5% per annum on reducing balance |
| 4 | From 1 June 2008 | 1% per annum on flat rate |
Note:
* New methods of education financing by the imposition of 'Ujrah' or wages of 1% per annum on a flat rate replaces the existing loan method which imposes administrative costs of 3% and 5% per annum on the reducing balance.