Loans
 
Total Loan
The amount of loan differs according to institution, level of study and field of the student and net income of the parents/guardian of the student. For IPTA students, the total loan approved is between RM1,000 and RM6,500 annually. For IPTS students, it is between RM3,700 and RM20,000 annually. The total education loan given to students is illustrated in the following table.
 
TOTAL ANNUAL EDUCATION LOAN FOR A STUDENT

 
  


INSTITUTION


LEVEL OF EDUCATION


FIELD OF STUDY

TOTAL LOAN PER YEAR

FULL *

PARTIAL *

FEE *




IPTA/Polytechnic
First DegreeScienceRM6,500 **RM3,000 **RM1,600 **
Pharmacy, Dentistry & MedicineRM6,500 **RM3,000 **RM1,800 **
ArtsRM6,500RM3,000 RM1,100
DiplomaScience / ArtsRM5,000RM2,500 RM1,000







IPTS (except UNITAR, UNITEM, KYM)
First DegreeScienceRM16,000 **RM13,000 **

MAXIMUM

RM10,000

ArtsRM16,000RM13,000

MAXIMUM

RM10,000

Medicine/Pharmacy/Optometry/

Nursing

RM20,000RM20,000 RM20,000
DiplomaScience /ArtsRM5,000RM5,000

MAXIMUM

RM5,000

Allied HealthMAXIMUM RM20,000MAXIMUM RM20,000

MAXIMUM

RM20,000

IPTS (UNITAR)First DegreeScienceRM10,000 **RM8,000 ** RM8,000 **
ArtsRM10,000RM8,000 RM8,000

IPTS (UNITEM)
First DegreeScienceRM4,200RM4,200 RM4,200
ArtsRM4,200RM4,200RM4,200
DiplomaScience / ArtsRM3,700RM3,700RM3,700
IPTS (KOLEJ YAYASAN MELAKA(KYM))First DegreeScienceRM10,000RM8,000RM6,000
ArtsRM10,000RM8,000RM6,000
DiplomaScience / ArtsRM5,000RM5,000RM5,000

Note:
* Determination of the full and partial loan and fees rate is based on the net income of the student’s parents/guardian.
** Not including the RM500 incentive for Sciences.