{"id":26,"date":"2023-11-03T13:16:13","date_gmt":"2023-11-03T13:16:13","guid":{"rendered":"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/?page_id=26"},"modified":"2023-12-05T09:59:01","modified_gmt":"2023-12-05T09:59:01","slug":"diskaun-bayaran-balik-ptptn","status":"publish","type":"page","link":"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/","title":{"rendered":"Portal PTPTN"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"26\" class=\"elementor elementor-26\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-93059dd elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"93059dd\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9e1ace8\" data-id=\"9e1ace8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65a71f4 elementor-widget elementor-widget-image\" data-id=\"65a71f4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"3310\" height=\"1380\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/PTPTN-FA-Brandmark_Stacked-Original.png\" class=\"attachment-full size-full wp-image-19\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/PTPTN-FA-Brandmark_Stacked-Original.png 3310w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/PTPTN-FA-Brandmark_Stacked-Original-300x125.png 300w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/PTPTN-FA-Brandmark_Stacked-Original-1024x427.png 1024w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/PTPTN-FA-Brandmark_Stacked-Original-768x320.png 768w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/PTPTN-FA-Brandmark_Stacked-Original-1536x640.png 1536w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/PTPTN-FA-Brandmark_Stacked-Original-2048x854.png 2048w\" sizes=\"(max-width: 3310px) 100vw, 3310px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-40a4c62 elementor-section-height-min-height elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"40a4c62\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ebe65a6\" data-id=\"ebe65a6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b2301a3 elementor-widget elementor-widget-heading\" data-id=\"b2301a3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Dapatkan <strong>DISKAUN<\/strong><br\/>Bayaran Balik<br\/>Pinjaman PTPTN Sekarang!<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6928b8a elementor-widget elementor-widget-text-editor\" data-id=\"6928b8a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Tempoh Diskaun : 14 Oktober 2023 &#8211; 31 Mac 2024<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf8b552 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"cf8b552\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Anda turut berpeluang menangi hadiah keseluruhan bernilai <strong>RM50,000 <\/strong>dengan sertai <strong>myPTPTN, Pay <em>2Win!<\/em><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc438d0 elementor-widget elementor-widget-button\" data-id=\"fc438d0\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md elementor-animation-shrink\" href=\"#caramudah\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Ketahui lanjut di sini<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-3f62748 elementor-section-height-full elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"3f62748\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b1e69f2\" data-id=\"b1e69f2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8413a01 elementor-widget elementor-widget-image\" data-id=\"8413a01\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"3310\" height=\"1380\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/PTPTN-FA-Brandmark_Stacked-Original.png\" class=\"attachment-full size-full wp-image-19\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/PTPTN-FA-Brandmark_Stacked-Original.png 3310w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/PTPTN-FA-Brandmark_Stacked-Original-300x125.png 300w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/PTPTN-FA-Brandmark_Stacked-Original-1024x427.png 1024w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/PTPTN-FA-Brandmark_Stacked-Original-768x320.png 768w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/PTPTN-FA-Brandmark_Stacked-Original-1536x640.png 1536w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/PTPTN-FA-Brandmark_Stacked-Original-2048x854.png 2048w\" sizes=\"(max-width: 3310px) 100vw, 3310px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62fd32a elementor-widget elementor-widget-heading\" data-id=\"62fd32a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Dapatkan DISKAUN<br\/> Bayaran Balik<br\/> Pinjaman PTPTN <br\/>Sekarang!<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c89e75 elementor-widget elementor-widget-text-editor\" data-id=\"9c89e75\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Tempoh Diskaun : 14 Oktober 2023 &#8211; 31 Mac 2024<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71e5292 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"71e5292\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Anda turut berpeluang menangi hadiah keseluruhan bernilai <strong>RM50,000 <\/strong>dengan sertai <strong>myPTPTN, Pay <em>2Win!<\/em><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59be6c9 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"59be6c9\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md elementor-animation-shrink\" href=\"#caramudah\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Ketahui lanjut di sini<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0d29ca4\" data-id=\"0d29ca4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-62ebcce elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"62ebcce\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-66a4433\" data-id=\"66a4433\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9ed3453 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-heading\" data-id=\"9ed3453\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Realisasikan impian bebas kewangan anda<br\/> dengan\nmembayar balik pinjaman PTPTN<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e58c283 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-heading\" data-id=\"e58c283\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Selesai hutang, hati tenang.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c93de96 elementor-hidden-desktop elementor-widget elementor-widget-heading\" data-id=\"c93de96\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Realisasikan impian bebas kewangan anda dengan\nmembayar balik pinjaman PTPTN<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e7a8ca elementor-hidden-desktop elementor-widget elementor-widget-heading\" data-id=\"7e7a8ca\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Selesai hutang, hati tenang.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-c79df28 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c79df28\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-1f04dfe\" data-id=\"1f04dfe\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-3889bfa\" data-id=\"3889bfa\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c7aef48 elementor-widget elementor-widget-heading\" data-id=\"c7aef48\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Diskaun<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-600c5f6 elementor-widget elementor-widget-heading\" data-id=\"600c5f6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">10%<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-019c875 elementor-widget elementor-widget-text-editor\" data-id=\"019c875\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>atas baki hutang untuk <strong>penyelesaian penuh pinjaman<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-43af1e9\" data-id=\"43af1e9\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-51f5be7 elementor-widget elementor-widget-heading\" data-id=\"51f5be7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Diskaun<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d81d4f9 elementor-widget elementor-widget-heading\" data-id=\"d81d4f9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">10%<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad34b24 elementor-widget elementor-widget-text-editor\" data-id=\"ad34b24\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>untuk bayaran sekurang-kurangnya <strong>50% daripada baki hutang <\/strong>dalam sekali bayaran<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-2480238\" data-id=\"2480238\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2af85b5 elementor-widget elementor-widget-heading\" data-id=\"2af85b5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Diskaun<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-524af0b elementor-widget elementor-widget-heading\" data-id=\"524af0b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">15%<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d8bf4c elementor-widget elementor-widget-text-editor\" data-id=\"1d8bf4c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>untuk bayaran secara<strong> potongan gaji atau debit terus<\/strong> berjadual<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-aa1c24f\" data-id=\"aa1c24f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-088a761 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"088a761\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-f64b5bc elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"f64b5bc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-959362f elementor-widget elementor-widget-image\" data-id=\"959362f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"219\" height=\"219\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-252.png\" class=\"attachment-full size-full wp-image-44 lazyload\" alt=\"\" data-srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-252.png 219w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-252-150x150.png 150w\" data-sizes=\"(max-width: 219px) 100vw, 219px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 219px; --smush-placeholder-aspect-ratio: 219\/219;\" \/><noscript><img decoding=\"async\" width=\"219\" height=\"219\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-252.png\" class=\"attachment-full size-full wp-image-44\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-252.png 219w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-252-150x150.png 150w\" sizes=\"(max-width: 219px) 100vw, 219px\" \/><\/noscript>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-0f69e92\" data-id=\"0f69e92\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17fd5d3 elementor-widget elementor-widget-heading\" data-id=\"17fd5d3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Siapa yang layak?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8ab9fe elementor-widget elementor-widget-text-editor\" data-id=\"c8ab9fe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Semua peminjam PTPTN<\/strong> termasuk yang dikenakan tindakan penguatkuasaan <strong>LAYAK<\/strong> untuk menikmati diskaun bayaran balik pinjaman PTPTN<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-167f667 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"167f667\" data-element_type=\"section\" id=\"caramudah\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-abe0bce\" data-id=\"abe0bce\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f1c0a0 elementor-widget elementor-widget-heading\" data-id=\"7f1c0a0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cara mudah nikmati diskaun PTPTN<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb5e5c7 elementor-widget elementor-widget-eael-adv-tabs\" data-id=\"fb5e5c7\" data-element_type=\"widget\" data-widget_type=\"eael-adv-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div data-scroll-on-click=\"no\" data-scroll-speed=\"300\" id=\"eael-advance-tabs-fb5e5c7\" class=\"eael-advance-tabs eael-tabs-horizontal eael-tab-auto-active \" data-tabid=\"fb5e5c7\">\n            <div class=\"eael-tabs-nav\">\n                <ul class=\"eael-tab-top-icon\" role=\"tablist\">\n                                            <li id=\"diskaun-10brpenyelesaian-penuh\" class=\"inactive eael-tab-item-trigger\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"diskaun-10brpenyelesaian-penuh-tab\" aria-expanded=\"false\">\n                            \n                                                                                                                            \n                            \n                                                            <span class=\"eael-tab-title  title-after-icon\">Diskaun 10%<br \/>Penyelesaian Penuh<\/span>                                                    <\/li>\n                                            <li id=\"diskaun-10brbayaran-sekurangnya-50\" class=\"inactive eael-tab-item-trigger\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"diskaun-10brbayaran-sekurangnya-50-tab\" aria-expanded=\"false\">\n                            \n                                                                                                                            \n                            \n                                                            <span class=\"eael-tab-title  title-after-icon\">Diskaun 10%<br \/>Bayaran Sekurangnya 50%<\/span>                                                    <\/li>\n                                            <li id=\"diskaun-15brpotongan-gaji-dan-debit-terus\" class=\"inactive eael-tab-item-trigger\" aria-selected=\"false\" data-tab=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"diskaun-15brpotongan-gaji-dan-debit-terus-tab\" aria-expanded=\"false\">\n                            \n                                                                                                                            \n                            \n                                                            <span class=\"eael-tab-title  title-after-icon\">Diskaun 15%<br \/>Potongan Gaji dan Debit Terus<\/span>                                                    <\/li>\n                                    <\/ul>\n            <\/div>\n            \n            <div class=\"eael-tabs-content\">\n\t\t        \n                    <div id=\"diskaun-10brpenyelesaian-penuh-tab\" class=\"clearfix eael-tab-content-item inactive\" data-title-link=\"diskaun-10brpenyelesaian-penuh-tab\">\n\t\t\t\t                                    \t\t<div data-elementor-type=\"page\" data-elementor-id=\"74\" class=\"elementor elementor-74\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-6bda4d7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6bda4d7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ca2da81 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"ca2da81\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-135d44b elementor-widget elementor-widget-heading\" data-id=\"135d44b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e08681b\" data-id=\"e08681b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dd0c55f elementor-widget elementor-widget-heading\" data-id=\"dd0c55f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Semak Baki Pinjaman<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ca9ede elementor-widget elementor-widget-text-editor\" data-id=\"1ca9ede\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Dapatkan pengesahan baki pinjaman melalui myPTPTN atau Portal Rasmi PTPTN<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-217d89b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"217d89b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-450385f elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"450385f\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c156014 elementor-widget elementor-widget-heading\" data-id=\"c156014\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-dffbccb\" data-id=\"dffbccb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8765e93 elementor-widget elementor-widget-heading\" data-id=\"8765e93\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Lakukan Transaksi<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a487eff elementor-widget elementor-widget-text-editor\" data-id=\"a487eff\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Lakukan transaksi dengan membuat bayaran balik pinjaman PTPTN melalui saluran bayaran balik PTPTN termasuk myPTPTN<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-f503f15 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f503f15\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5a6052a elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"5a6052a\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-34e4fd3 elementor-widget elementor-widget-heading\" data-id=\"34e4fd3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cca23d4\" data-id=\"cca23d4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-95eacbd elementor-widget elementor-widget-heading\" data-id=\"95eacbd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Dapatkan Surat Penyelesaian Hutang (SPH)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-708f9d7 elementor-widget elementor-widget-text-editor\" data-id=\"708f9d7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Dapatkan Surat Penyelesaian Penuh (SPH) melalui myPTPTN atau Portal Rasmi PTPTN<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-82ee33f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"82ee33f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-75d1f67 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"75d1f67\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-223121a elementor-widget elementor-widget-heading\" data-id=\"223121a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5668a00\" data-id=\"5668a00\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7223c80 elementor-widget elementor-widget-heading\" data-id=\"7223c80\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Semak Penyata<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd0ba13 elementor-widget elementor-widget-text-editor\" data-id=\"bd0ba13\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Semak penyata pinjaman bermula 7 hari bulan pada bulan berikutnya melalui myPTPTN atau Portal Rasmi PTPTN<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t                            <\/div>\n\t\t        \n                    <div id=\"diskaun-10brbayaran-sekurangnya-50-tab\" class=\"clearfix eael-tab-content-item inactive\" data-title-link=\"diskaun-10brbayaran-sekurangnya-50-tab\">\n\t\t\t\t                                    \t\t<div data-elementor-type=\"page\" data-elementor-id=\"79\" class=\"elementor elementor-79\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-6bda4d7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6bda4d7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ca2da81 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"ca2da81\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-135d44b elementor-widget elementor-widget-heading\" data-id=\"135d44b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e08681b\" data-id=\"e08681b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dd0c55f elementor-widget elementor-widget-heading\" data-id=\"dd0c55f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Semak Baki Pinjaman<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ca9ede elementor-widget elementor-widget-text-editor\" data-id=\"1ca9ede\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Dapatkan pengesahan baki pinjaman melalui myPTPTN atau Portal Rasmi PTPTN<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-217d89b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"217d89b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-450385f elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"450385f\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c156014 elementor-widget elementor-widget-heading\" data-id=\"c156014\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-dffbccb\" data-id=\"dffbccb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8765e93 elementor-widget elementor-widget-heading\" data-id=\"8765e93\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Lakukan Transaksi<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a487eff elementor-widget elementor-widget-text-editor\" data-id=\"a487eff\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Lakukan transaksi dengan membuat bayaran balik pinjaman PTPTN melalui saluran bayaran balik PTPTN termasuk myPTPTN<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-f503f15 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f503f15\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5a6052a elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"5a6052a\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-34e4fd3 elementor-widget elementor-widget-heading\" data-id=\"34e4fd3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cca23d4\" data-id=\"cca23d4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-95eacbd elementor-widget elementor-widget-heading\" data-id=\"95eacbd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Semak Penyata<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-708f9d7 elementor-widget elementor-widget-text-editor\" data-id=\"708f9d7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Semak penyata pinjaman bermula 7 hari bulan pada bulan berikutnya melalui myPTPTN atau Portal Rasmi PTPTN<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t                            <\/div>\n\t\t        \n                    <div id=\"diskaun-15brpotongan-gaji-dan-debit-terus-tab\" class=\"clearfix eael-tab-content-item inactive\" data-title-link=\"diskaun-15brpotongan-gaji-dan-debit-terus-tab\">\n\t\t\t\t                                    \t\t<div data-elementor-type=\"page\" data-elementor-id=\"83\" class=\"elementor elementor-83\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-1cba27d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1cba27d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-97eb290\" data-id=\"97eb290\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f272751 elementor-widget elementor-widget-heading\" data-id=\"f272751\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Debit Terus <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c22b414 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"c22b414\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5e04a6c elementor-widget elementor-widget-heading\" data-id=\"5e04a6c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Potongan Gaji <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-b40c109 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b40c109\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-a694037 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"a694037\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ae1ea97 elementor-widget elementor-widget-heading\" data-id=\"ae1ea97\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-92ec5f3\" data-id=\"92ec5f3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9454a55 elementor-widget elementor-widget-heading\" data-id=\"9454a55\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Log Masuk myPTPTN<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d18d69 elementor-widget elementor-widget-text-editor\" data-id=\"4d18d69\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Muat turun myPTPTN<\/li><li>Masukkan &#8220;No. Kad Pengenalan&#8221; dan &#8220;Kata Laluan&#8221;<\/li><li>Klik &#8220;SETERUSNYA&#8221;<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-ba2a846 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"ba2a846\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-762254b elementor-widget elementor-widget-heading\" data-id=\"762254b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-01c8c56 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"01c8c56\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c4b54b elementor-widget elementor-widget-heading\" data-id=\"5c4b54b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Log Masuk myPTPTN<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bbecd1 elementor-widget elementor-widget-text-editor\" data-id=\"4bbecd1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Muat turun myPTPTN<\/li><li>Masukkan &#8220;No. Kad Pengenalan&#8221; dan &#8220;Kata Laluan&#8221;<\/li><li>Klik &#8220;SETERUSNYA&#8221;\u00a0<\/li><li>Klik &#8220;PERKHIDMATAN&#8221;\u00a0<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-ad271c8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ad271c8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-27a7652 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"27a7652\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-08da4f0 elementor-widget elementor-widget-heading\" data-id=\"08da4f0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-268fc81\" data-id=\"268fc81\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-06ad225 elementor-widget elementor-widget-heading\" data-id=\"06ad225\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Permohonan Debit Terus<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-815fcd4 elementor-widget elementor-widget-text-editor\" data-id=\"815fcd4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Klik &#8220;PERMOHONAN DEBIT TERUS&#8221;<\/li><li>Klik &#8220;MOHON&#8221; pada akaun Pinjaman<\/li><li>Klik &#8220;MOHON&#8221; untuk teruskan<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-7afb3d9 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"7afb3d9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-479fb82 elementor-widget elementor-widget-heading\" data-id=\"479fb82\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-a48bd5d elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"a48bd5d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3925ef6 elementor-widget elementor-widget-heading\" data-id=\"3925ef6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Permohonan Potongan Gaji<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4315a36 elementor-widget elementor-widget-text-editor\" data-id=\"4315a36\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Klik &#8220;PERMOHONAN POTONGAN GAJI&#8221;<\/li><li>Klik &#8220;PERMOHONAN BARU&#8221;\u00a0<\/li><li>Klik &#8220;MOHON&#8221; pada Pinjaman Ujrah\u00a0<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-77a7c07 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"77a7c07\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-3a7da50 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"3a7da50\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e0f0c15 elementor-widget elementor-widget-heading\" data-id=\"e0f0c15\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-c7aa803\" data-id=\"c7aa803\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2985b61 elementor-widget elementor-widget-heading\" data-id=\"2985b61\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kemaskini Maklumat Diri<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab83548 elementor-widget elementor-widget-text-editor\" data-id=\"ab83548\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Kemaskini maklumat anda dan klik &#8220;SETERUSNYA&#8221;<\/li><li>Semak maklumat dan buat pengesahan pengakuan diri dan klik &#8220;SETERUSNYA&#8221;<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-07aeffc elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"07aeffc\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a597890 elementor-widget elementor-widget-heading\" data-id=\"a597890\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-3422c63 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"3422c63\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cfcb711 elementor-widget elementor-widget-heading\" data-id=\"cfcb711\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kemaskini Maklumat Majikan<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fef4e0 elementor-widget elementor-widget-text-editor\" data-id=\"7fef4e0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Masukkan &#8220;Nama Majikan&#8221;<\/li><li>Kemaskini maklumat dan klik &#8220;SETERUSNYA&#8221;<\/li><li>Semak maklumat dan buat pengesahan pengakuan diri\u00a0<\/li><li>Klik &#8220;SIMPAN&#8221;<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-6512033 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6512033\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-ed83bdb elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"ed83bdb\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e7cd3cd elementor-widget elementor-widget-heading\" data-id=\"e7cd3cd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-16f6ca3\" data-id=\"16f6ca3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a87b00b elementor-widget elementor-widget-heading\" data-id=\"a87b00b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bayar dan Terima Resit<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7f70cb elementor-widget elementor-widget-text-editor\" data-id=\"e7f70cb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Pilih Kaedah Bayaran (Debit Terus) dan klik &#8220;TERUSKAN&#8221;<\/li><li>Membuat transaksi<\/li><li>Sekiranya transaksi berjaya, secara automatik sistem akan menjana resit yang boleh disimpan dan dicetak<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-9ad14aa\" data-id=\"9ad14aa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-45b40c4\" data-id=\"45b40c4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-3e7d495 elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3e7d495\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1d10c97\" data-id=\"1d10c97\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c8d265 elementor-widget elementor-widget-heading\" data-id=\"0c8d265\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Potongan Gaji <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-67bfcd9 elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"67bfcd9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-77dd314 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"77dd314\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-adcfc57 elementor-widget elementor-widget-heading\" data-id=\"adcfc57\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d183c01\" data-id=\"d183c01\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-82aad40 elementor-widget elementor-widget-heading\" data-id=\"82aad40\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Log Masuk myPTPTN<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40a521a elementor-widget elementor-widget-text-editor\" data-id=\"40a521a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Muat turun myPTPTN<\/li><li>Masukkan &#8220;No. Kad Pengenalan&#8221; dan &#8220;Kata Laluan&#8221;<\/li><li>Klik &#8220;SETERUSNYA&#8221;\u00a0<\/li><li>Klik &#8220;PERKHIDMATAN&#8221;\u00a0<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-4c6eeaf elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c6eeaf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ac6c593 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"ac6c593\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-628d770 elementor-widget elementor-widget-heading\" data-id=\"628d770\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c2dc281\" data-id=\"c2dc281\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db0d5ef elementor-widget elementor-widget-heading\" data-id=\"db0d5ef\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Permohonan Potongan Gaji<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5192d7 elementor-widget elementor-widget-text-editor\" data-id=\"a5192d7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Klik &#8220;PERMOHONAN POTONGAN GAJI&#8221;<\/li><li>Klik &#8220;PERMOHONAN BARU&#8221;\u00a0<\/li><li>Klik &#8220;MOHON&#8221; pada Pinjaman Ujrah\u00a0<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-3a3308f elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3a3308f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d539711 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"d539711\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f2608e elementor-widget elementor-widget-heading\" data-id=\"9f2608e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bdc7abe\" data-id=\"bdc7abe\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7a2c22b elementor-widget elementor-widget-heading\" data-id=\"7a2c22b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kemaskini Maklumat Majikan<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f498a46 elementor-widget elementor-widget-text-editor\" data-id=\"f498a46\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Masukkan &#8220;Nama Majikan&#8221;<\/li><li>Kemaskini maklumat dan klik &#8220;SETERUSNYA&#8221;<\/li><li>Semak maklumat dan buat pengesahan pengakuan diri\u00a0<\/li><li>Klik &#8220;SIMPAN&#8221;<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t                            <\/div>\n\t\t                    <\/div>\n        <\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-d31d8e6 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d31d8e6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6187a72\" data-id=\"6187a72\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1798fc0 elementor-widget elementor-widget-heading\" data-id=\"1798fc0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Semak baki pinjaman dengan lebih pantas <br\/>melalui myPTPTN<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-58238e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"58238e1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-5db949b\" data-id=\"5db949b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d47b772 elementor-widget elementor-widget-image\" data-id=\"d47b772\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-01-2.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"Gambar langkah semak baki-01 (2)\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjA4LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvR2FtYmFyLWxhbmdrYWgtc2VtYWstYmFraS0wMS0yLnBuZyJ9\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"335\" height=\"606\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-01-2.png\" class=\"attachment-large size-large wp-image-208 lazyload\" alt=\"\" data-srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-01-2.png 335w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-01-2-166x300.png 166w\" data-sizes=\"(max-width: 335px) 100vw, 335px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 335px; --smush-placeholder-aspect-ratio: 335\/606;\" \/><noscript><img decoding=\"async\" width=\"335\" height=\"606\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-01-2.png\" class=\"attachment-large size-large wp-image-208\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-01-2.png 335w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-01-2-166x300.png 166w\" sizes=\"(max-width: 335px) 100vw, 335px\" \/><\/noscript>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d42bdb0 elementor-widget elementor-widget-text-editor\" data-id=\"d42bdb0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Langkah 1<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06bd791 elementor-widget elementor-widget-text-editor\" data-id=\"06bd791\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Log Masuk<\/strong> myPTPTN<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-4274220\" data-id=\"4274220\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f9a797 elementor-widget elementor-widget-image\" data-id=\"5f9a797\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-02-2.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"Gambar langkah semak baki-02 (2)\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjA5LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvR2FtYmFyLWxhbmdrYWgtc2VtYWstYmFraS0wMi0yLnBuZyJ9\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"335\" height=\"606\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-02-2.png\" class=\"attachment-large size-large wp-image-209 lazyload\" alt=\"\" data-srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-02-2.png 335w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-02-2-166x300.png 166w\" data-sizes=\"(max-width: 335px) 100vw, 335px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 335px; --smush-placeholder-aspect-ratio: 335\/606;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"335\" height=\"606\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-02-2.png\" class=\"attachment-large size-large wp-image-209\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-02-2.png 335w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-02-2-166x300.png 166w\" sizes=\"(max-width: 335px) 100vw, 335px\" \/><\/noscript>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b71e78 elementor-widget elementor-widget-text-editor\" data-id=\"6b71e78\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Langkah 2<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eb7525 elementor-widget elementor-widget-text-editor\" data-id=\"3eb7525\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Klik <b>&#8216;Permohonan Pengesahan Baki Pinjaman&#8217;<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-6a86047\" data-id=\"6a86047\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cf2bb10 elementor-widget elementor-widget-image\" data-id=\"cf2bb10\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-03-2.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"Gambar langkah semak baki-03 (2)\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjEwLCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvR2FtYmFyLWxhbmdrYWgtc2VtYWstYmFraS0wMy0yLnBuZyJ9\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"335\" height=\"606\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-03-2.png\" class=\"attachment-large size-large wp-image-210 lazyload\" alt=\"\" data-srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-03-2.png 335w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-03-2-166x300.png 166w\" data-sizes=\"(max-width: 335px) 100vw, 335px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 335px; --smush-placeholder-aspect-ratio: 335\/606;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"335\" height=\"606\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-03-2.png\" class=\"attachment-large size-large wp-image-210\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-03-2.png 335w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-03-2-166x300.png 166w\" sizes=\"(max-width: 335px) 100vw, 335px\" \/><\/noscript>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96632b9 elementor-widget elementor-widget-text-editor\" data-id=\"96632b9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Langkah 3<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4973df9 elementor-widget elementor-widget-text-editor\" data-id=\"4973df9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Klik <b>&#8216;MOHON&#8217;<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-cdf5f56\" data-id=\"cdf5f56\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f42e1a1 elementor-widget elementor-widget-image\" data-id=\"f42e1a1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-04-2.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"Gambar langkah semak baki-04 (2)\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjExLCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvR2FtYmFyLWxhbmdrYWgtc2VtYWstYmFraS0wNC0yLnBuZyJ9\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"335\" height=\"606\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-04-2.png\" class=\"attachment-large size-large wp-image-211 lazyload\" alt=\"\" data-srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-04-2.png 335w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-04-2-166x300.png 166w\" data-sizes=\"(max-width: 335px) 100vw, 335px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 335px; --smush-placeholder-aspect-ratio: 335\/606;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"335\" height=\"606\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-04-2.png\" class=\"attachment-large size-large wp-image-211\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-04-2.png 335w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Gambar-langkah-semak-baki-04-2-166x300.png 166w\" sizes=\"(max-width: 335px) 100vw, 335px\" \/><\/noscript>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7dd438d elementor-widget elementor-widget-text-editor\" data-id=\"7dd438d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Langkah 4<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41d9bf8 elementor-widget elementor-widget-text-editor\" data-id=\"41d9bf8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Muat turun<\/strong> Penyata Pengesahan Baki<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-e38d83c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e38d83c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-b88901e\" data-id=\"b88901e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-044fdcc elementor-widget elementor-widget-heading\" data-id=\"044fdcc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tahukah anda, bayaran balik pinjaman PTPTN juga boleh dibayar menggunakan KWSP?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6e2063 elementor-widget elementor-widget-text-editor\" data-id=\"a6e2063\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><b>Permohonan kali pertama<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f6dbb3 elementor-widget elementor-widget-button\" data-id=\"9f6dbb3\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md elementor-animation-shrink\" href=\"https:\/\/www.ptptn.gov.my\/langkah-mudah-bayaran-balik-pinjaman-ptptn-melalui-kwsp\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Ketahui lanjut di sini<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-385dbb6 elementor-widget elementor-widget-text-editor\" data-id=\"385dbb6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><b>Permohonan seterusnya lebih mudah tanpa cap ibu jari<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3850658 elementor-widget elementor-widget-button\" data-id=\"3850658\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md elementor-animation-shrink\" href=\"https:\/\/www.ptptn.gov.my\/langkah-bayar-balik-pinjaman-ptptn-melalui-kwsp-kali-kedua\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Ketahui lanjut di sini<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-97e324c\" data-id=\"97e324c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dd478d5 elementor-widget elementor-widget-image\" data-id=\"dd478d5\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"688\" height=\"863\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Rectangle-9.png\" class=\"attachment-full size-full wp-image-46 lazyload\" alt=\"\" data-srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Rectangle-9.png 688w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Rectangle-9-239x300.png 239w\" data-sizes=\"(max-width: 688px) 100vw, 688px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 688px; --smush-placeholder-aspect-ratio: 688\/863;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"688\" height=\"863\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Rectangle-9.png\" class=\"attachment-full size-full wp-image-46\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Rectangle-9.png 688w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Rectangle-9-239x300.png 239w\" sizes=\"(max-width: 688px) 100vw, 688px\" \/><\/noscript>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-82b92fb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"82b92fb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d9c7490\" data-id=\"d9c7490\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e820ec elementor-widget elementor-widget-heading\" data-id=\"3e820ec\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Lebih 30 saluran bayaran balik<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdd50c4 elementor-arrows-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"cdd50c4\" data-element_type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;5&quot;,&quot;slides_to_scroll&quot;:&quot;5&quot;,&quot;navigation&quot;:&quot;arrows&quot;,&quot;autoplay&quot;:&quot;no&quot;,&quot;slides_to_show_mobile&quot;:&quot;2&quot;,&quot;slides_to_scroll_mobile&quot;:&quot;2&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:45,&quot;sizes&quot;:[]},&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-widget-image-carousel .swiper,.elementor-widget-image-carousel .swiper-container{position:static}.elementor-widget-image-carousel .swiper-container .swiper-slide figure,.elementor-widget-image-carousel .swiper .swiper-slide figure{line-height:inherit}.elementor-widget-image-carousel .swiper-slide{text-align:center}.elementor-image-carousel-wrapper:not(.swiper-container-initialized):not(.swiper-initialized) .swiper-slide{max-width:calc(100% \/ var(--e-image-carousel-slides-to-show, 3))}<\/style>\t\t<div class=\"elementor-image-carousel-wrapper swiper\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"polite\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"JomPay\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTI1LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvSm9tUGF5LnBuZyIsInNsaWRlc2hvdyI6ImNkZDUwYzQifQ%3D%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/JomPay.png\" alt=\"JomPay\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 165px; --smush-placeholder-aspect-ratio: 165\/160;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/JomPay.png\" alt=\"JomPay\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"MBSB\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTI3LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvTUJTQi5wbmciLCJzbGlkZXNob3ciOiJjZGQ1MGM0In0%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/MBSB.png\" alt=\"MBSB\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/145;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/MBSB.png\" alt=\"MBSB\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"MyPay_Logo_bw\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjE1LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvTXlQYXlfTG9nb19idy5wbmciLCJzbGlkZXNob3ciOiJjZGQ1MGM0In0%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/MyPay_Logo_bw.png\" alt=\"MyPay_Logo_bw\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1930px; --smush-placeholder-aspect-ratio: 1930\/880;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/MyPay_Logo_bw.png\" alt=\"MyPay_Logo_bw\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Shopee.svg\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mjc4LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvU2hvcGVlLnN2Zy5wbmciLCJzbGlkZXNob3ciOiJjZGQ1MGM0In0%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Shopee.svg.png\" alt=\"Shopee.svg\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/384;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Shopee.svg.png\" alt=\"Shopee.svg\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"5 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Group 67\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDcsInVybCI6Imh0dHBzOlwvXC93d3cucHRwdG4uZ292Lm15XC9EaXNrYXVuUFRQVE5cL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjNcLzExXC9Hcm91cC02Ny5wbmciLCJzbGlkZXNob3ciOiJjZGQ1MGM0In0%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-67.png\" alt=\"Group 67\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 253px; --smush-placeholder-aspect-ratio: 253\/81;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-67.png\" alt=\"Group 67\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" 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src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Rectangle-14.png\" alt=\"Rectangle 14\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"7 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Rectangle 13\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NDgsInVybCI6Imh0dHBzOlwvXC93d3cucHRwdG4uZ292Lm15XC9EaXNrYXVuUFRQVE5cL3dwLWNvbnRlbnRcL3VwbG9hZHNcLzIwMjNcLzExXC9SZWN0YW5nbGUtMTMucG5nIiwic2xpZGVzaG93IjoiY2RkNTBjNCJ9\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Rectangle-13.png\" alt=\"Rectangle 13\" 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data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTIyLCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvQW5zYXJhUEFZLnBuZyIsInNsaWRlc2hvdyI6ImNkZDUwYzQifQ%3D%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/AnsaraPAY.png\" alt=\"AnsaraPAY\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 512px; --smush-placeholder-aspect-ratio: 512\/512;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/AnsaraPAY.png\" alt=\"AnsaraPAY\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"10 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"PayHalal\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTMxLCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvUGF5SGFsYWwucG5nIiwic2xpZGVzaG93IjoiY2RkNTBjNCJ9\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/PayHalal.png\" alt=\"PayHalal\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 635px; --smush-placeholder-aspect-ratio: 635\/176;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/PayHalal.png\" alt=\"PayHalal\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"11 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"IIMMPACT\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTI0LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvSUlNTVBBQ1QucG5nIiwic2xpZGVzaG93IjoiY2RkNTBjNCJ9\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/IIMMPACT.png\" alt=\"IIMMPACT\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/227;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/IIMMPACT.png\" alt=\"IIMMPACT\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"12 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"OneCALL\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTMwLCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvT25lQ0FMTC5wbmciLCJzbGlkZXNob3ciOiJjZGQ1MGM0In0%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/OneCALL.png\" alt=\"OneCALL\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 360px; --smush-placeholder-aspect-ratio: 360\/167;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/OneCALL.png\" alt=\"OneCALL\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"13 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"boost-logo\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjE0LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvYm9vc3QtbG9nby5wbmciLCJzbGlkZXNob3ciOiJjZGQ1MGM0In0%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/boost-logo.png\" alt=\"boost-logo\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 2526px; --smush-placeholder-aspect-ratio: 2526\/1785;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/boost-logo.png\" alt=\"boost-logo\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"14 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"touch n go (ewallet)\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTMyLCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvdG91Y2gtbi1nby1ld2FsbGV0LnBuZyIsInNsaWRlc2hvdyI6ImNkZDUwYzQifQ%3D%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/touch-n-go-ewallet.png\" alt=\"touch n go (ewallet)\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 768px; --smush-placeholder-aspect-ratio: 768\/777;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/touch-n-go-ewallet.png\" alt=\"touch n go (ewallet)\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"15 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Mcash\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTI4LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvTWNhc2gucG5nIiwic2xpZGVzaG93IjoiY2RkNTBjNCJ9\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Mcash.png\" alt=\"Mcash\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1600px; --smush-placeholder-aspect-ratio: 1600\/624;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Mcash.png\" alt=\"Mcash\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"16 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"KioskMedia\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MTI2LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvS2lvc2tNZWRpYS5wbmciLCJzbGlkZXNob3ciOiJjZGQ1MGM0In0%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/KioskMedia.png\" alt=\"KioskMedia\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 179px; --smush-placeholder-aspect-ratio: 179\/70;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/KioskMedia.png\" alt=\"KioskMedia\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"17 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Kiosk PayQuik\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjYyLCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvS2lvc2stUGF5UXVpay5qcGciLCJzbGlkZXNob3ciOiJjZGQ1MGM0In0%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Kiosk-PayQuik.jpg\" alt=\"Kiosk PayQuik\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1181px; --smush-placeholder-aspect-ratio: 1181\/827;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Kiosk-PayQuik.jpg\" alt=\"Kiosk PayQuik\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"18 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Razer Cash 7-E\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mjc2LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvUmF6ZXItQ2FzaC03LUUucG5nIiwic2xpZGVzaG93IjoiY2RkNTBjNCJ9\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Razer-Cash-7-E.png\" alt=\"Razer Cash 7-E\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 244px; --smush-placeholder-aspect-ratio: 244\/198;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Razer-Cash-7-E.png\" alt=\"Razer Cash 7-E\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"19 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Kiosk Digi\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjYxLCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvS2lvc2stRGlnaS5wbmciLCJzbGlkZXNob3ciOiJjZGQ1MGM0In0%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Kiosk-Digi.png\" alt=\"Kiosk Digi\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 722px; --smush-placeholder-aspect-ratio: 722\/341;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Kiosk-Digi.png\" alt=\"Kiosk Digi\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"20 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"e-Pay\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjU1LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvZS1QYXkucG5nIiwic2xpZGVzaG93IjoiY2RkNTBjNCJ9\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/e-Pay.png\" alt=\"e-Pay\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 512px; --smush-placeholder-aspect-ratio: 512\/512;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/e-Pay.png\" alt=\"e-Pay\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"21 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Maybank\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjY2LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvTWF5YmFuay5wbmciLCJzbGlkZXNob3ciOiJjZGQ1MGM0In0%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Maybank.png\" alt=\"Maybank\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 430px; --smush-placeholder-aspect-ratio: 430\/117;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Maybank.png\" alt=\"Maybank\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"22 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"CIMB Bank\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjU0LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvQ0lNQi1CYW5rLnBuZyIsInNsaWRlc2hvdyI6ImNkZDUwYzQifQ%3D%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/CIMB-Bank.png\" alt=\"CIMB Bank\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 3000px; --smush-placeholder-aspect-ratio: 3000\/1875;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/CIMB-Bank.png\" alt=\"CIMB Bank\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"23 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Bank Islam\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjQ5LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvQmFuay1Jc2xhbS5wbmciLCJzbGlkZXNob3ciOiJjZGQ1MGM0In0%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Bank-Islam.png\" alt=\"Bank Islam\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 460px; --smush-placeholder-aspect-ratio: 460\/144;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Bank-Islam.png\" alt=\"Bank Islam\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"24 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Affin Bank\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjQzLCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvQWZmaW4tQmFuay5wbmciLCJzbGlkZXNob3ciOiJjZGQ1MGM0In0%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Affin-Bank.png\" alt=\"Affin Bank\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 3024px; --smush-placeholder-aspect-ratio: 3024\/578;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Affin-Bank.png\" alt=\"Affin Bank\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"25 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"HongLeong Bank\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjU2LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvSG9uZ0xlb25nLUJhbmsucG5nIiwic2xpZGVzaG93IjoiY2RkNTBjNCJ9\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/HongLeong-Bank.png\" alt=\"HongLeong Bank\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1599px; --smush-placeholder-aspect-ratio: 1599\/265;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/HongLeong-Bank.png\" alt=\"HongLeong Bank\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"26 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Agro Bank\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjQ0LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvQWdyby1CYW5rLnBuZyIsInNsaWRlc2hvdyI6ImNkZDUwYzQifQ%3D%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Agro-Bank.png\" alt=\"Agro Bank\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 2560px; --smush-placeholder-aspect-ratio: 2560\/819;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Agro-Bank.png\" alt=\"Agro Bank\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"27 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Alliance Bank\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjQ1LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvQWxsaWFuY2UtQmFuay5wbmciLCJzbGlkZXNob3ciOiJjZGQ1MGM0In0%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Alliance-Bank.png\" alt=\"Alliance Bank\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 420px; --smush-placeholder-aspect-ratio: 420\/315;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Alliance-Bank.png\" alt=\"Alliance Bank\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"28 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"AmBank\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjQ2LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvQW1CYW5rLnBuZyIsInNsaWRlc2hvdyI6ImNkZDUwYzQifQ%3D%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/AmBank.png\" alt=\"AmBank\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/194;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/AmBank.png\" alt=\"AmBank\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"29 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Bank Rakyat\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjUwLCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvQmFuay1SYWt5YXQucG5nIiwic2xpZGVzaG93IjoiY2RkNTBjNCJ9\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Bank-Rakyat.png\" alt=\"Bank Rakyat\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1250px; --smush-placeholder-aspect-ratio: 1250\/295;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Bank-Rakyat.png\" alt=\"Bank Rakyat\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"30 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Bank Simpanan Malaysia\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjUxLCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvQmFuay1TaW1wYW5hbi1NYWxheXNpYS5qcGciLCJzbGlkZXNob3ciOiJjZGQ1MGM0In0%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Bank-Simpanan-Malaysia.jpg\" alt=\"Bank Simpanan Malaysia\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/630;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Bank-Simpanan-Malaysia.jpg\" alt=\"Bank Simpanan Malaysia\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"31 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Muamalat Bank\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjcwLCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvTXVhbWFsYXQtQmFuay5wbmciLCJzbGlkZXNob3ciOiJjZGQ1MGM0In0%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Muamalat-Bank.png\" alt=\"Muamalat Bank\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1834px; --smush-placeholder-aspect-ratio: 1834\/289;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Muamalat-Bank.png\" alt=\"Muamalat Bank\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"32 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Public Bank\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mjc1LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvUHVibGljLUJhbmsucG5nIiwic2xpZGVzaG93IjoiY2RkNTBjNCJ9\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Public-Bank.png\" alt=\"Public Bank\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/226;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Public-Bank.png\" alt=\"Public Bank\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"33 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"UOB Bank\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjgxLCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvVU9CLUJhbmsucG5nIiwic2xpZGVzaG93IjoiY2RkNTBjNCJ9\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/UOB-Bank.png\" alt=\"UOB Bank\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 2560px; --smush-placeholder-aspect-ratio: 2560\/723;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/UOB-Bank.png\" alt=\"UOB Bank\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"34 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"RHB Bank\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mjc3LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvUkhCLUJhbmsucG5nIiwic2xpZGVzaG93IjoiY2RkNTBjNCJ9\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/RHB-Bank.png\" alt=\"RHB Bank\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 2560px; --smush-placeholder-aspect-ratio: 2560\/924;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/RHB-Bank.png\" alt=\"RHB Bank\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"35 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Pos Malaysia\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6Mjc0LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvUG9zLU1hbGF5c2lhLnBuZyIsInNsaWRlc2hvdyI6ImNkZDUwYzQifQ%3D%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Pos-Malaysia.png\" alt=\"Pos Malaysia\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/175;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Pos-Malaysia.png\" alt=\"Pos Malaysia\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"36 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Visa\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjgyLCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvVmlzYS5wbmciLCJzbGlkZXNob3ciOiJjZGQ1MGM0In0%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Visa.png\" alt=\"Visa\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 2560px; --smush-placeholder-aspect-ratio: 2560\/829;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Visa.png\" alt=\"Visa\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"37 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"Master Card\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjY1LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvTWFzdGVyLUNhcmQucG5nIiwic2xpZGVzaG93IjoiY2RkNTBjNCJ9\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Master-Card.png\" alt=\"Master Card\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 450px; --smush-placeholder-aspect-ratio: 450\/270;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Master-Card.png\" alt=\"Master Card\" \/><\/noscript><\/figure><\/a><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"38 of 38\"><a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"cdd50c4\" data-elementor-lightbox-title=\"American Express\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjQ3LCJ1cmwiOiJodHRwczpcL1wvd3d3LnB0cHRuLmdvdi5teVwvRGlza2F1blBUUFROXC93cC1jb250ZW50XC91cGxvYWRzXC8yMDIzXC8xMVwvQW1lcmljYW4tRXhwcmVzcy5wbmciLCJzbGlkZXNob3ciOiJjZGQ1MGM0In0%3D\" href=\"https:\/\/www.ptptn.gov.my\/saluran-bayaran-balik\/\" target=\"_blank\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image lazyload\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/American-Express.png\" alt=\"American Express\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/1198;\" \/><noscript><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/American-Express.png\" alt=\"American Express\" \/><\/noscript><\/figure><\/a><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-53eecef elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"53eecef\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4443e4f\" data-id=\"4443e4f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-501b2c8 elementor-widget elementor-widget-heading\" data-id=\"501b2c8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mereka sudah menarik nafas lega.<br\/>Anda bila lagi?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db7064b elementor-widget elementor-widget-testimonial\" data-id=\"db7064b\" data-element_type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-testimonial-wrapper{overflow:hidden;text-align:center}.elementor-testimonial-wrapper .elementor-testimonial-content{font-size:1.3em;margin-bottom:20px}.elementor-testimonial-wrapper .elementor-testimonial-name{line-height:1.5;display:block}.elementor-testimonial-wrapper .elementor-testimonial-job{font-size:.85em;display:block}.elementor-testimonial-wrapper .elementor-testimonial-meta{width:100%;line-height:1}.elementor-testimonial-wrapper .elementor-testimonial-meta-inner{display:inline-block}.elementor-testimonial-wrapper .elementor-testimonial-meta .elementor-testimonial-details,.elementor-testimonial-wrapper .elementor-testimonial-meta .elementor-testimonial-image{display:table-cell;vertical-align:middle}.elementor-testimonial-wrapper .elementor-testimonial-meta .elementor-testimonial-image img{width:60px;height:60px;border-radius:50%;-o-object-fit:cover;object-fit:cover;max-width:none}.elementor-testimonial-wrapper .elementor-testimonial-meta.elementor-testimonial-image-position-aside .elementor-testimonial-image{padding-right:15px}.elementor-testimonial-wrapper .elementor-testimonial-meta.elementor-testimonial-image-position-aside .elementor-testimonial-details{text-align:left}.elementor-testimonial-wrapper .elementor-testimonial-meta.elementor-testimonial-image-position-top .elementor-testimonial-details,.elementor-testimonial-wrapper .elementor-testimonial-meta.elementor-testimonial-image-position-top .elementor-testimonial-image{display:block}.elementor-testimonial-wrapper .elementor-testimonial-meta.elementor-testimonial-image-position-top .elementor-testimonial-image{margin-bottom:20px}<\/style>\t\t<div class=\"elementor-testimonial-wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-content\">Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta elementor-has-image elementor-testimonial-image-position-top\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-image\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1214\" height=\"800\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/bb_diskaun2024.png\" class=\"attachment-full size-full wp-image-18 lazyload\" alt=\"\" data-srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/bb_diskaun2024.png 1214w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/bb_diskaun2024-300x198.png 300w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/bb_diskaun2024-1024x675.png 1024w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/bb_diskaun2024-768x506.png 768w\" data-sizes=\"(max-width: 1214px) 100vw, 1214px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1214px; --smush-placeholder-aspect-ratio: 1214\/800;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"1214\" height=\"800\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/bb_diskaun2024.png\" class=\"attachment-full size-full wp-image-18\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/bb_diskaun2024.png 1214w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/bb_diskaun2024-300x198.png 300w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/bb_diskaun2024-1024x675.png 1024w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/bb_diskaun2024-768x506.png 768w\" sizes=\"(max-width: 1214px) 100vw, 1214px\" \/><\/noscript>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">Rizal<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-job\">Jurutera<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-6b50075 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b50075\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4f9b40e\" data-id=\"4f9b40e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f2e144c elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-heading\" data-id=\"f2e144c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Soalan lazim<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72a746e elementor-widget elementor-widget-text-editor\" data-id=\"72a746e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Untuk pertanyaan lanjut, sila hubungi PTPTN melalui saluran berikut:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-87d4c7a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"87d4c7a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-5ac0872\" data-id=\"5ac0872\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17fd2cd elementor-widget elementor-widget-image\" data-id=\"17fd2cd\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:03%20-%202193%203000\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"651\" height=\"651\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-22.png\" class=\"elementor-animation-shrink attachment-full size-full wp-image-203 lazyload\" alt=\"\" data-srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-22.png 651w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-22-300x300.png 300w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-22-150x150.png 150w\" data-sizes=\"(max-width: 651px) 100vw, 651px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 651px; --smush-placeholder-aspect-ratio: 651\/651;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"651\" height=\"651\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-22.png\" class=\"elementor-animation-shrink attachment-full size-full wp-image-203\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-22.png 651w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-22-300x300.png 300w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-22-150x150.png 150w\" sizes=\"(max-width: 651px) 100vw, 651px\" \/><\/noscript>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-4aff5b6\" data-id=\"4aff5b6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1832144 elementor-widget elementor-widget-image\" data-id=\"1832144\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.ptptn.gov.my\/\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"651\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-23.png\" class=\"elementor-animation-shrink attachment-full size-full wp-image-204 lazyload\" alt=\"\" data-srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-23.png 650w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-23-300x300.png 300w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-23-150x150.png 150w\" data-sizes=\"(max-width: 650px) 100vw, 650px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 650px; --smush-placeholder-aspect-ratio: 650\/651;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"651\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-23.png\" class=\"elementor-animation-shrink attachment-full size-full wp-image-204\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-23.png 650w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-23-300x300.png 300w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-23-150x150.png 150w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><\/noscript>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-bd92df5\" data-id=\"bd92df5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b0f5b8 elementor-widget elementor-widget-image\" data-id=\"6b0f5b8\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/eaduan.ptptn.gov.my\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"651\" height=\"651\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-24.png\" class=\"elementor-animation-shrink attachment-full size-full wp-image-205 lazyload\" alt=\"\" data-srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-24.png 651w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-24-300x300.png 300w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-24-150x150.png 150w\" data-sizes=\"(max-width: 651px) 100vw, 651px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 651px; --smush-placeholder-aspect-ratio: 651\/651;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"651\" height=\"651\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-24.png\" class=\"elementor-animation-shrink attachment-full size-full wp-image-205\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-24.png 651w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-24-300x300.png 300w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-24-150x150.png 150w\" sizes=\"(max-width: 651px) 100vw, 651px\" \/><\/noscript>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-349d63d\" data-id=\"349d63d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-032d43b elementor-widget elementor-widget-image\" data-id=\"032d43b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.ptptn.gov.my\/pejabat-cawangan-ptptn\/\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"651\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-26.png\" class=\"elementor-animation-shrink attachment-full size-full wp-image-207 lazyload\" alt=\"\" data-srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-26.png 650w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-26-300x300.png 300w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-26-150x150.png 150w\" data-sizes=\"(max-width: 650px) 100vw, 650px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 650px; --smush-placeholder-aspect-ratio: 650\/651;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"651\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-26.png\" class=\"elementor-animation-shrink attachment-full size-full wp-image-207\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-26.png 650w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-26-300x300.png 300w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-26-150x150.png 150w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><\/noscript>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-inner-column elementor-element elementor-element-d0beaf7\" data-id=\"d0beaf7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-61737d5 elementor-widget elementor-widget-image\" data-id=\"61737d5\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/taplink.cc\/mediasosialrasmiptptn\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"625\" height=\"625\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-25.png\" class=\"elementor-animation-shrink attachment-full size-full wp-image-206 lazyload\" alt=\"\" data-srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-25.png 625w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-25-300x300.png 300w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-25-150x150.png 150w\" data-sizes=\"(max-width: 625px) 100vw, 625px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 625px; --smush-placeholder-aspect-ratio: 625\/625;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"625\" height=\"625\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-25.png\" class=\"elementor-animation-shrink attachment-full size-full wp-image-206\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-25.png 625w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-25-300x300.png 300w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Footer-25-150x150.png 150w\" sizes=\"(max-width: 625px) 100vw, 625px\" \/><\/noscript>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-30ea700\" data-id=\"30ea700\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e70f11c elementor-hidden-desktop elementor-widget elementor-widget-heading\" data-id=\"e70f11c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Soalan lazim<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e6098f elementor-widget elementor-widget-toggle\" data-id=\"9e6098f\" data-element_type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1661\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1661\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Diskaun 10% Atas Baki Hutang Untuk Penyelesaian Penuh Pinjaman <\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1661\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1661\">\t\t<div data-elementor-type=\"page\" data-elementor-id=\"133\" class=\"elementor elementor-133\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-64b02e3e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"64b02e3e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-81a446d\" data-id=\"81a446d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5147932a elementor-widget elementor-widget-toggle\" data-id=\"5147932a\" data-element_type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-toggle{text-align:left}.elementor-toggle .elementor-tab-title{font-weight:700;line-height:1;margin:0;padding:15px;border-bottom:1px solid #d5d8dc;cursor:pointer;outline:none}.elementor-toggle .elementor-tab-title .elementor-toggle-icon{display:inline-block;width:1em}.elementor-toggle .elementor-tab-title .elementor-toggle-icon svg{margin-inline-start:-5px;width:1em;height:1em}.elementor-toggle .elementor-tab-title .elementor-toggle-icon.elementor-toggle-icon-right{float:right;text-align:right}.elementor-toggle .elementor-tab-title .elementor-toggle-icon.elementor-toggle-icon-left{float:left;text-align:left}.elementor-toggle .elementor-tab-title .elementor-toggle-icon .elementor-toggle-icon-closed{display:block}.elementor-toggle .elementor-tab-title .elementor-toggle-icon .elementor-toggle-icon-opened{display:none}.elementor-toggle .elementor-tab-title.elementor-active{border-bottom:none}.elementor-toggle .elementor-tab-title.elementor-active .elementor-toggle-icon-closed{display:none}.elementor-toggle .elementor-tab-title.elementor-active .elementor-toggle-icon-opened{display:block}.elementor-toggle .elementor-tab-content{padding:15px;border-bottom:1px solid #d5d8dc;display:none}@media (max-width:767px){.elementor-toggle .elementor-tab-title{padding:12px}.elementor-toggle .elementor-tab-content{padding:12px 10px}}.e-con-inner>.elementor-widget-toggle,.e-con>.elementor-widget-toggle{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1361\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1361\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">1. Siapakah yang layak mendapat diskaun 10% ini?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1361\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1361\"><p>Semua peminjam PTPTN (termasuk yang telah dikenakan tindakan penguatkuasaan) yang membuat penyelesaian keseluruhan baki hutang pinjaman mulai\u00a0<strong>14 Oktober 2023 hingga 31 Mac 2024<\/strong>\u00a0layak mendapat insentif ini.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1362\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1362\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">2. Bagaimanakah cara untuk peminjam mendapatkan baki keseluruhan hutang pinjaman?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1362\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1362\"><p>Pengesahan baki hutang pinjaman boleh diperolehi melalui Portal Rasmi PTPTN (<a href=\"https:\/\/www.ptptn.gov.my\/PengesahanBakiPenyelesaianHutang\/Utama\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my\/PengesahanBakiPenyelesaianHutang\/Utama<\/a>), aplikasi myPTPTN atau menghubungi Eksekutif Pemasaran (<a href=\"https:\/\/www.ptptn.gov.my\/pejabat-cawangan-ptptn\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my\/pejabat-cawangan-ptptn\/<\/a>).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1363\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1363\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">3. Bagaimanakah pengiraan diskaun 10%?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1363\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1363\"><p>Bagi diskaun 10% untuk penyelesaian penuh pinjaman, pengiraan adalah berasaskan keseluruhan baki hutang pinjaman. Contoh pengiraan:<\/p><div><table width=\"475\"><tbody><tr><td style=\"text-align: center;\"><strong>Perkara<\/strong><\/td><td>\u00a0<\/td><td style=\"text-align: center;\"><strong>Jumlah (RM)<\/strong><\/td><\/tr><tr><td>Baki hutang keseluruhan pada 14 Oktober 2023<\/td><td style=\"text-align: center;\">=<\/td><td style=\"text-align: right;\">10,000.00<\/td><\/tr><tr><td>Bayaran 90% pada 24 Oktober 2023<\/td><td style=\"text-align: center;\">=<\/td><td style=\"text-align: right;\">(9,000.00)<\/td><\/tr><tr><td>Diskaun 10% (10% x RM10,000) pada 31 Oktober 2023*<\/td><td style=\"text-align: center;\">=<\/td><td style=\"text-align: right;\">(1,000.00)<\/td><\/tr><tr><td><strong>Baki hutang keseluruhan pada 31 Oktober 2023<\/strong><\/td><td style=\"text-align: center;\"><strong>=<\/strong><\/td><td style=\"text-align: right;\"><strong>\u2013<\/strong><\/td><\/tr><\/tbody><\/table><\/div><p><strong><em>*Peminjam boleh menyemak penyata pinjaman masing-masing mulai 7 hari bulan pada bulan berikutnya selepas pelarasan diskaun 10% dikemas kini.<\/em><\/strong><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1364\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1364\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">4. Bilakah diskaun 10% akan diberikan?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1364\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1364\"><p>Diskaun 10% akan diberikan pada setiap hujung bulan. Peminjam boleh menyemak penyata pinjaman masing-masing mulai 7 hari bulan pada bulan berikutnya selepas pelarasan diskaun 10% dikemas kini.<\/p><p>Semakan penyata pinjaman boleh dibuat melalui portal rasmi PTPTN (<a href=\"https:\/\/www.ptptn.gov.my\/semakanpinjaman\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my\/semakanpinjaman<\/a>) dan aplikasi myPTPTN.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1365\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1365\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">5. Bilakah Surat Penyelesaian Hutang (SPH) dikeluarkan dan bagaimanakah cara mendapatkannya?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1365\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1365\"><p>SPH akan dikeluarkan dalam tempoh 14 hari (bekerja) selepas pelarasan diskaun 10% dilakukan. Cetakan SPH boleh dibuat melalui:<\/p><ol><li>Portal Rasmi PTPTN (<a href=\"https:\/\/www.ptptn.gov.my\/PengesahanBakiPenyelesaianHutang\/Utama\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my\/PengesahanBakiPenyelesaianHutang\/Utama<\/a>)<\/li><li>Aplikasi myPTPTN<\/li><li>Link yang diberikan melalui e-mel makluman surat penyelesaian hutang<\/li><\/ol><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1366\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1366\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">6. Adakah peminjam layak menikmati insentif ini sekiranya membuat penyelesaian melalui gabungan pelbagai saluran seperti KWSP, bank dan dalam talian?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1366\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1366\"><p>Layak, sekiranya bayaran penyelesaian hutang pinjaman diterima oleh PTPTN dalam bulan yang sama. Peminjam dinasihatkan untuk membuat bayaran selewat-lewatnya 27 hari bulan setiap bulan.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1367\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1367\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">7. Apakah akan berlaku sekiranya terdapat lebihan ke atas bayaran yang dibuat melalui Akaun 2 KWSP?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1367\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1367\"><p>Lebihan bayaran balik akan dipulangkan semula ke Akaun 2 KWSP peminjam.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1368\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1368\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">8. Adakah diskaun 10% diberikan sekiranya bayaran balik dibuat oleh pihak IPT\/ penaja\/Agensi?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1368\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1368\"><p>Tidak, diskaun tidak akan diberikan sekiranya bayaran balik dibuat oleh pihak IPT.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1369\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1369\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">9. Adakah peminjam layak mendapat diskaun 10% sekiranya membuat penyelesaian hutang pada bulan terakhir promosi iaitu bulan Mac 2024?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1369\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1369\"><p>Layak, dengan syarat bayaran diterima pada atau sebelum 31 Mac 2023.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-13610\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-13610\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">10. Adakah peminjam yang HANYA mempunyai hutang Wang Pendahuluan Pinjaman (WPP) juga layak mendapat diskaun 10%?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-13610\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-13610\"><p>Layak. Pemberian diskaun 10% untuk penyelesaian penuh juga diberikan ke atas hutang WPP. Pengesahan baki boleh diperoleh dengan menghubungi\u00a0<em>Careline<\/em>\u00a0atau Eksekutif Pemasaran (<a href=\"https:\/\/www.ptptn.gov.my\/pejabat-cawangan-ptptn\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my\/pejabat-cawangan-ptptn<\/a>).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-13611\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-13611\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">11. Adakah peminjam layak mendapat diskaun 10% sekiranya mempunyai lebih daripada satu pinjaman seperti pinjaman Diploma, Ijazah Sarjana Muda dan Sarjana dan hanya ingin membuat penyelesaian hutang salah satu daripada peringkat pengajian tersebut sahaja?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-13611\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-13611\"><p>Tidak layak, diskaun 10% hanya diberikan sekiranya peminjam menyelesaikan keseluruhan baki hutang pinjaman beliau. Dalam contoh ini, diskaun hanya akan diberikan apabila peminjam membuat penyelesaian penuh untuk semua pinjaman iaitu Diploma, Ijazah Sarjana Muda dan Sarjana.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-13612\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-13612\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">12. Peminjam telah tamat pinjaman peringkat Diploma dan masih meneruskan pinjaman untuk pengajian di peringkat Ijazah. Adakah peminjam layak menikmati diskaun 10% sekiranya menyelesaikan keseluruhan hutang bagi peringkat Diploma sahaja?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-13612\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-13612\"><p>Tidak layak, kerana penyelesaian hutang peringkat Diploma bukan penyelesaian keseluruhan hutang pinjaman peminjam. Diskaun 10% boleh diberikan jika peminjam menyelesaikan kedua-dua peringkat Diploma dan Ijazah.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-13613\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-13613\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">13. Peminjam masih aktif pengajian dan menerima bayaran pinjaman daripada PTPTN setiap semester. Adakah peminjam layak menikmati diskaun 10% sekiranya menyelesaikan keseluruhan hutang pinjaman yang telah diterima?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-13613\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-13613\"><p>Layak. Namun pinjaman akan ditamatkan dan permohonan baharu bagi IPT, peringkat pengajian dan program\/ kursus yang telah ditamatkan tidak akan diluluskan.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-13614\" class=\"elementor-tab-title\" data-tab=\"14\" role=\"button\" aria-controls=\"elementor-tab-content-13614\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">14. Bilakah rekod CCRIS akan dikemas kini selepas peminjam membuat penyelesaian hutang?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-13614\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"14\" role=\"region\" aria-labelledby=\"elementor-tab-title-13614\"><p>Rekod CCRIS akan dikemas kini dalam tempoh 14 hari bekerja daripada tarikh bayaran dikemas kini dalam penyata peminjam.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-13615\" class=\"elementor-tab-title\" data-tab=\"15\" role=\"button\" aria-controls=\"elementor-tab-content-13615\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">15. Adakah peminjam yang baharu tamat pinjaman dan masih belum mempunyai Jadual Bayaran Balik (JBB) layak mendapat diskaun 10%?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-13615\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"15\" role=\"region\" aria-labelledby=\"elementor-tab-title-13615\"><p>Layak, tertakluk kepada bayaran balik yang diterima dalam tempoh 14 Oktober 2023 hingga 31 Mac 2024.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-13616\" class=\"elementor-tab-title\" data-tab=\"16\" role=\"button\" aria-controls=\"elementor-tab-content-13616\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Peminjam dikehendaki menyemak diskaun yang diberikan dan sebarang aduan perlulah dibuat sebelum berakhir tempoh diskaun. Untuk sebarang pertanyaan lanjut, peminjam juga boleh menghubungi PTPTN melalui saluran berikut:<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-13616\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"16\" role=\"region\" aria-labelledby=\"elementor-tab-title-13616\"><ul><li>Pusat Panggilan (Careline) di talian 03 2193 3000;<\/li><li>Live chat di Portal PTPTN (<a href=\"https:\/\/www.ptptn.gov.my\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my<\/a>);<\/li><li>Eksekutif Pemasaran (<a href=\"https:\/\/www.ptptn.gov.my\/pejabat-cawangan-ptptn\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my\/pejabat-cawangan-ptptn\/<\/a>);<\/li><li>e-Aduan PTPTN (<a href=\"https:\/\/eaduan.ptptn.gov.my\/\" target=\"_blank\" rel=\"noopener\">https:\/\/eaduan.ptptn.gov.my<\/a>); dan<\/li><li>Media sosial rasmi @PTPTNOfficial<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1662\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1662\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Diskaun 10% Untuk Bayaran Sekurang-Kurangnya 50% Daripada Baki Hutang Dalam Sekali Bayaran <\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1662\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1662\">\t\t<div data-elementor-type=\"page\" data-elementor-id=\"136\" class=\"elementor elementor-136\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-2cdbc311 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2cdbc311\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-101f0106\" data-id=\"101f0106\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1284fb76 elementor-widget elementor-widget-toggle\" data-id=\"1284fb76\" data-element_type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3101\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-3101\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">1. Siapakah yang layak mendapat insentif ini?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3101\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-3101\"><p>Semua peminjam (termasuk yang telah dikenakan tindakan penguatkuasaan) yang menyelesaikan sekurang-kurangnya 50% daripada keseluruhan baki hutang pinjaman dalam sekali bayaran. Tempoh kuatkuasa insentif ini adalah mulai 14 Oktober 2023 hingga 31 Mac 2024.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3102\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-3102\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">2. Bagaimanakah cara untuk peminjam mendapatkan baki hutang pinjaman?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3102\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-3102\"><p>Pengesahan baki hutang pinjaman boleh diperolehi melalui Portal Rasmi PTPTN (<a href=\"https:\/\/www.ptptn.gov.my\/PengesahanBakiPenyelesaianHutang\/Utama\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my\/PengesahanBakiPenyelesaianHutang\/Utama<\/a>), aplikasi myPTPTN atau menghubungi Eksekutif Pemasaran (<a href=\"https:\/\/www.ptptn.gov.my\/pejabat-cawangan-ptptn\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my\/pejabat-cawangan-ptptn\/<\/a>).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3103\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-3103\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">3. Bagaimanakah pengiraan diskaun 10%?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3103\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-3103\"><p>Bagi diskaun 10% untuk bayaran sekurang-kurangnya 50 peratus daripada baki hutang keseluruhan dalam sekali bayaran, pengiraan adalah berasaskan kepada jumlah bayaran balik yang diterima bagi bulan berkenaan. Contoh pengiraan:<\/p><div><table width=\"475\"><tbody><tr><td><strong>Perkara<\/strong><\/td><td>\u00a0<\/td><td><strong>Jumlah (RM)<\/strong><\/td><\/tr><tr><td>Baki hutang keseluruhan pada 14 Oktober 2023<\/td><td style=\"text-align: center;\">=<\/td><td style=\"text-align: right;\">10,000.00<\/td><\/tr><tr><td>Bayaran 55% pada 24 Oktober 2023<\/td><td style=\"text-align: center;\">=<\/td><td style=\"text-align: right;\">(5,500.00)<\/td><\/tr><tr><td>Diskaun 10% (10% x RM5,500) pada 31 Oktober 2023*<\/td><td style=\"text-align: center;\">=<\/td><td style=\"text-align: right;\">(550.00)<\/td><\/tr><tr><td><strong>Baki hutang keseluruhan pada 1 November 2023 (sebelum kemas kini Ujrah)<\/strong><\/td><td style=\"text-align: center;\"><strong>=<\/strong><\/td><td style=\"text-align: right;\"><strong>\u00a0\u00a0<span style=\"text-decoration: underline;\">3,950.00<\/span><\/strong><\/td><\/tr><\/tbody><\/table><\/div><p><em><strong>*Peminjam boleh menyemak penyata pinjaman masing-masing mulai 7 hari bulan pada bulan berikutnya selepas pelarasan diskaun 10% dikemas kini.<\/strong><\/em><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3104\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-3104\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">4. Bilakah diskaun 10% akan diberikan?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3104\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-3104\"><p>Diskaun 10% diberikan pada setiap hujung bulan. Peminjam boleh menyemak penyata pinjaman masing-masing mulai 7 hari bulan pada bulan berikutnya selepas pelarasan diskaun 10% dikemas kini.<\/p><p>Semakan penyata pinjaman boleh dibuat melalui portal rasmi PTPTN (<a href=\"https:\/\/www.ptptn.gov.my\/semakanpinjaman\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my\/semakanpinjaman<\/a>) dan aplikasi myPTPTN.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3105\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-3105\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">5. Adakah diskaun yang diberikan akan mengurangkan ansuran bulanan?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3105\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-3105\"><p>Tidak. Diskaun yang diberikan tidak akan mengurangkan ansuran bulanan tetapi mengurangkan baki hutang keseluruhan.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3106\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-3106\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">6. Adakah peminjam yang HANYA mempunyai hutang Wang Pendahuluan Pinjaman (WPP) layak menerima diskaun 10%?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3106\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-3106\"><p>Peminjam layak menerima diskaun 10% sekiranya membuat bayaran sekurang-kurangnya 50 peratus daripada keseluruhan baki hutang WPP dalam bulan yang sama sahaja. Pengesahan baki boleh diperoleh dengan menghubungi\u00a0<em>Careline<\/em>\u00a0atau Eksekutif Pemasaran (<a href=\"https:\/\/www.ptptn.gov.my\/pejabat-cawangan-ptptn\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my\/pejabat-cawangan-ptptn<\/a>).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3107\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-3107\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">7. Adakah peminjam layak menikmati insentif ini sekiranya membuat bayaran melalui gabungan pelbagai saluran seperti KWSP, bank dan dalam talian?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3107\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-3107\"><p>Layak, sekiranya bayaran sekurang-kurangnya 50% daripada keseluruhan baki hutang pinjaman diterima oleh PTPTN dalam bulan yang sama. Peminjam dinasihatkan untuk membuat bayaran selewat-lewatnya 27 hari bulan setiap bulan.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3108\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-3108\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">8. Adakah peminjam yang membayar balik pinjaman peringkat Diploma yang telah tamat tetapi sedang menerima pinjaman bagi peringkat Ijazah layak mendapatkan insentif ini?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3108\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-3108\"><p>Tidak layak, kerana hutang peringkat Diploma bukan keseluruhan hutang pinjaman peminjam.<\/p><p>Peminjam boleh mendapat diskaun sekiranya membuat bayaran minimum 50% atas baki hutang keseluruhan pinjaman Diploma dan Ijazah.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3109\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-3109\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">9. Peminjam masih aktif pengajian dan menerima bayaran pinjaman daripada PTPTN setiap semester. Adakah peminjam layak menikmati diskaun 10% sekiranya membuat bayaran minimum 50 peratus atas keseluruhan hutang pinjaman yang telah diterima?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3109\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-3109\"><p>Layak. Namun pinjaman akan ditamatkan dan permohonan baharu bagi IPT, peringkat pengajian dan program\/ kursus yang telah ditamatkan tidak akan diluluskan.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-31010\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-31010\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">10. Adakah peminjam yang baharu tamat pinjaman dan masih belum mempunyai Jadual Bayaran Balik (JBB) layak mendapat diskaun 10%?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-31010\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-31010\"><p>Layak, tertakluk kepada bayaran balik yang diterima dalam tempoh 14 Oktober 2023 hingga 31 Mac 2024.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-31011\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-31011\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Peminjam dikehendaki menyemak diskaun yang diberikan dan sebarang aduan perlulah dibuat sebelum berakhir tempoh diskaun. Untuk sebarang pertanyaan lanjut, peminjam juga boleh menghubungi PTPTN melalui saluran berikut:<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-31011\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-31011\"><ul><li>Pusat Panggilan (Careline) di talian 03 2193 3000;<\/li><li>Live chat di Portal PTPTN (<a href=\"https:\/\/www.ptptn.gov.my\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my<\/a>);<\/li><li>Eksekutif Pemasaran (<a href=\"https:\/\/www.ptptn.gov.my\/pejabat-cawangan-ptptn\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my\/pejabat-cawangan-ptptn\/<\/a>);<\/li><li>e-Aduan PTPTN (<a href=\"https:\/\/eaduan.ptptn.gov.my\/\" target=\"_blank\" rel=\"noopener\">https:\/\/eaduan.ptptn.gov.my<\/a>); dan<\/li><li>Media sosial rasmi @PTPTNOfficial<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1663\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1663\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Diskaun 15% Untuk Bayaran Secara Potongan Gaji Atau Debit Terus Berjadual <\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1663\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1663\">\t\t<div data-elementor-type=\"page\" data-elementor-id=\"139\" class=\"elementor elementor-139\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-339cf9d7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"339cf9d7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6986fa77\" data-id=\"6986fa77\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1602a760 elementor-widget elementor-widget-toggle\" data-id=\"1602a760\" data-element_type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3691\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-3691\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">1. Siapakah yang layak mendapat insentif ini?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3691\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-3691\"><p>Semua peminjam yang masih mempunyai baki hutang pinjaman dan membuat bayaran balik melalui saluran Potongan Gaji dan\/ atau Debit Terus (<em>Direct Debit)<\/em>\u00a0mengikut amaun yang ditetapkan layak menerima insentif ini. Diskaun diberikan bagi bayaran balik yang diterima dalam tempoh 14 Oktober 2023 hingga 31 Mac 2024.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3692\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-3692\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">2. Bilakah diskaun 15% akan diberikan?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3692\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-3692\"><p>Diskaun 15% diberikan pada setiap hujung bulan. Peminjam boleh menyemak penyata pinjaman masing-masing mulai 7 hari bulan pada bulan berikutnya selepas pelarasan diskaun 15% dikemas kini.<\/p><p>Semakan penyata pinjaman boleh dibuat melalui aplikasi myPTPTN atau Portal Rasmi PTPTN (<a href=\"https:\/\/www.ptptn.gov.my\/semakanpinjaman\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my\/semakanpinjaman<\/a>).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3693\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-3693\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">3. Adakah diskaun yang diberikan akan mengurangkan ansuran bulanan?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3693\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-3693\"><p>Tidak. Diskaun yang diberikan tidak akan mengurangkan ansuran bulanan tetapi mengurangkan baki hutang keseluruhan.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3694\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-3694\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">4. Adakah diskaun 15% diberikan kepada bayaran balik yang dibuat secara konsisten selain daripada kaedah potongan gaji dan\/atau debit terus (direct debit)?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3694\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-3694\"><p>Tidak. Diskaun 15% hanya diberikan kepada peminjam yang membuat bayaran balik melalui potongan gaji dan\/atau debit terus<em>\u00a0(direct debit)<\/em>\u00a0sahaja. Peminjam boleh memilih salah satu atau kedua-dua saluran untuk menikmati insentif ini.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3695\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-3695\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">5. Bagaimanakah kaedah pengiraan diskaun bagi peminjam yang membuat bayaran balik melalui kedua-dua saluran iaitu potongan gaji dan debit terus (direct debit)?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3695\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-3695\"><p>Diskaun diberikan atas jumlah bayaran balik yang dibuat melalui potongan gaji dan debit terus (<em>direct debit<\/em>). Jumlah diskaun yang diperoleh akan mengurangkan keseluruhan baki hutang pinjaman.<\/p><p>Contohnya:<\/p><div><table width=\"475\"><tbody><tr><td style=\"text-align: center;\"><strong>Perkara<\/strong><\/td><td>\u00a0<\/td><td style=\"text-align: center;\"><strong>Jumlah (RM)<\/strong><\/td><\/tr><tr><td>Baki hutang keseluruhan pada 14 Oktober 2023<\/td><td style=\"text-align: center;\">=<\/td><td style=\"text-align: right;\">10,000.00<\/td><\/tr><tr><td>Bayaran balik \u2013 debit terus (<em>direct debit<\/em>) pada 25 Oktober 2023<\/td><td style=\"text-align: center;\">=<\/td><td style=\"text-align: right;\">(500.00)<\/td><\/tr><tr><td>Bayaran balik \u2013 potongan gaji pada 27 Oktober 2023<\/td><td style=\"text-align: center;\">=<\/td><td style=\"text-align: right;\">(500.00)<\/td><\/tr><tr><td>Diskaun 15% (15% x RM1,000) pada 31 Oktober 2023*<\/td><td style=\"text-align: center;\">=<\/td><td style=\"text-align: right;\">(150.00)<\/td><\/tr><tr><td><strong>Baki hutang keseluruhan pada 1 November 2023 (sebelum kemas kini Ujrah)<\/strong><\/td><td style=\"text-align: center;\"><strong>=<\/strong><\/td><td style=\"text-align: right;\"><strong>\u00a0 8,850.00<\/strong><\/td><\/tr><\/tbody><\/table><\/div><p><strong><em>*Peminjam boleh menyemak penyata pinjaman masing-masing mulai 7 hari bulan pada bulan berikutnya selepas pelarasan diskaun 15% dikemas kini.<\/em><\/strong><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3696\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-3696\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">6. Bagaimanakah kaedah permohonan bayaran balik melalui potongan gaji atau debit terus (direct debit)?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3696\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-3696\"><p>Permohonan potongan gaji atau debit terus (<em>direct debit<\/em>) boleh dibuat secara dalam talian di portal rasmi PTPTN (https:\/\/<a href=\"http:\/\/www.ptptn.gov.my\/potonggajionline\" target=\"_blank\" rel=\"noopener\">www.ptptn.gov.my\/potonggajionline<\/a>) atau (<a href=\"https:\/\/www.ptptn.gov.my\/semakanpinjaman\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my\/semakanpinjaman<\/a>) atau melalui aplikasi myPTPTN. Peminjam boleh memilih salah satu atau kedua-dua saluran untuk menikmati diskaun ini.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3697\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-3697\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">7. Adakah peminjam perlu membuat rundingan terlebih dahulu sebelum membuat permohonan potongan gaji atau debit terus (direct debit)?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3697\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-3697\"><p>Peminjam perlu membuat rundingan terlebih dahulu sekiranya mempunyai tunggakan dengan menghubungi Eksekutif Pemasaran (<a href=\"https:\/\/www.ptptn.gov.my\/pejabat-cawangan-ptptn\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my\/pejabat-cawangan-ptptn\/<\/a>).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3698\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-3698\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">8. Adakah diskaun akan diberikan sejurus selepas permohonan bayaran balik melalui potongan gaji atau debit terus (direct debit) dibuat di portal rasmi PTPTN?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3698\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-3698\"><p>Tidak. Diskaun hanya akan diberikan setelah bayaran balik melalui potongan gaji dan debit terus (<em>direct debit<\/em>) diterima oleh PTPTN.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3699\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-3699\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">9. Berapa lamakah terimaan bayaran balik melalui potongan gaji atau debit terus (direct debit) oleh PTPTN?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3699\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-3699\"><p>Terimaan bayaran balik melalui potongan gaji adalah tertakluk kepada tempoh majikan meremit kepada PTPTN. Manakala potongan debit terus (<em>direct debit<\/em>) adalah pada 1hb, 10hb atau 27hb setiap bulan.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-36910\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-36910\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">10. Adakah peminjam yang telah\/ sedang membuat bayaran balik melalui potongan gaji atau debit terus (direct debit) layak mendapat insentif ini?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-36910\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-36910\"><p>Layak, tertakluk kepada bayaran balik yang diterima dalam tempoh 14 Oktober 2023 hingga 31 Mac 2024.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-36911\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-36911\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">11. Bagaimanakah kaedah pelarasan diskaun dibuat bagi peminjam yang mempunyai lebih daripada satu (1) akaun pinjaman?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-36911\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-36911\"><p>Bagi peminjam yang mempunyai lebih daripada 1 akaun pinjaman, amaun diskaun akan di laras ke akaun pinjaman 1 terlebih dahulu sekiranya akaun tersebut masih mempunyai baki hutang. Diskaun akan di laras ke akaun pinjaman yang berikutnya selepas hutang pinjaman terdahulu diselesaikan.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-36912\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-36912\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">11. Peminjam telah membuat bayaran balik melalui potongan gaji. Bagaimanakah pengiraan diskaun pada bulan terakhir sekiranya bayaran balik tersebut telah menyelesaikan baki keseluruhan hutang?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-36912\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-36912\"><p>Diskaun 20% akan diberikan ke atas baki keseluruhan hutang pinjaman sekiranya bayaran tersebut menyelesaikan keseluruhan hutang peminjam. Pemulangan lebihan akan diberikan kepada peminjam sekiranya ada.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-36913\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-36913\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">12. Adakah peminjam yang baharu tamat pengajian dan masih belum mempunyai Jadual Bayaran Balik (JBB) layak mendapat diskaun 15%?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-36913\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-36913\"><p>Peminjam layak mendapat diskaun 15% berdasarkan jumlah bayaran yang dibuat melalui saluran potongan gaji dan debit terus (<em>direct debit<\/em>).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-36914\" class=\"elementor-tab-title\" data-tab=\"14\" role=\"button\" aria-controls=\"elementor-tab-content-36914\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-angle-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M177 159.7l136 136c9.4 9.4 9.4 24.6 0 33.9l-22.6 22.6c-9.4 9.4-24.6 9.4-33.9 0L160 255.9l-96.4 96.4c-9.4 9.4-24.6 9.4-33.9 0L7 329.7c-9.4-9.4-9.4-24.6 0-33.9l136-136c9.4-9.5 24.6-9.5 34-.1z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Peminjam dikehendaki menyemak diskaun yang diberikan dan sebarang aduan perlulah dibuat sebelum berakhir tempoh diskaun. Untuk sebarang pertanyaan lanjut, peminjam juga boleh menghubungi PTPTN melalui saluran berikut:<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-36914\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"14\" role=\"region\" aria-labelledby=\"elementor-tab-title-36914\"><ul><li>Pusat Panggilan (Careline) di talian 03 2193 3000;<\/li><li>Live chat di Portal PTPTN (<a href=\"https:\/\/www.ptptn.gov.my\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my<\/a>);<\/li><li>Eksekutif Pemasaran (<a href=\"https:\/\/www.ptptn.gov.my\/pejabat-cawangan-ptptn\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ptptn.gov.my\/pejabat-cawangan-ptptn\/<\/a>);<\/li><li>e-Aduan PTPTN (<a href=\"https:\/\/eaduan.ptptn.gov.my\/\" target=\"_blank\" rel=\"noopener\">https:\/\/eaduan.ptptn.gov.my<\/a>); dan<\/li><li>Media sosial rasmi @PTPTNOfficial<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-b91b5f3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b91b5f3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d03a96f\" data-id=\"d03a96f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7bbeb98 elementor-widget elementor-widget-heading\" data-id=\"7bbeb98\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Artikel<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e3ad6d elementor-skin-carousel elementor-arrows-yes elementor-pagination-type-bullets elementor-pagination-position-outside elementor-widget elementor-widget-media-carousel\" data-id=\"9e3ad6d\" data-element_type=\"widget\" data-settings=\"{&quot;slides_per_view&quot;:&quot;3&quot;,&quot;slides_to_scroll&quot;:&quot;2&quot;,&quot;skin&quot;:&quot;carousel&quot;,&quot;effect&quot;:&quot;slide&quot;,&quot;show_arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;speed&quot;:500,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-widget_type=\"media-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/plugins\/elementor-pro\/assets\/css\/widget-carousel.min.css\">\t\t<div class=\"elementor-swiper\">\n\t\t\t<div class=\"elementor-main-swiper swiper\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.ptptn.gov.my\/perkara-yang-wajib-anda-tahu-tentang-bayaran-balik-pinjaman-ptptn\/\" target=\"_blank\">\t\t<div class=\"elementor-carousel-image lazyload\" role=\"img\" aria-label=\"Banner-SEO-Artikel__WAJIB-TAHU-TENTANG-PTPTN-2\" style=\"background-image:inherit\" data-bg-image=\"url(&#039;https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Banner-SEO-Artikel__WAJIB-TAHU-TENTANG-PTPTN-2.jpg&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.ptptn.gov.my\/langkah-mudah-bayaran-balik-pinjaman-ptptn-melalui-kwsp\/\" target=\"_blank\">\t\t<div class=\"elementor-carousel-image lazyload\" role=\"img\" aria-label=\"Artical-SEO-Banner-KWSP\" style=\"background-image:inherit\" data-bg-image=\"url(&#039;https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Artical-SEO-Banner-KWSP.jpg&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.ptptn.gov.my\/langkah-bayar-balik-pinjaman-ptptn-melalui-kwsp-kali-kedua\/\" target=\"_blank\">\t\t<div class=\"elementor-carousel-image lazyload\" role=\"img\" aria-label=\"Artical-SEO-png\" style=\"background-image:inherit\" data-bg-image=\"url(&#039;https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Artical-SEO-png.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.ptptn.gov.my\/cara-mudah-bayaran-balik-pinjaman-ptptn-menggunakan-myptptn\/\" target=\"_blank\">\t\t<div class=\"elementor-carousel-image lazyload\" role=\"img\" aria-label=\"Artical-SEO-Banner-myPTPTN\" style=\"background-image:inherit\" data-bg-image=\"url(&#039;https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Artical-SEO-Banner-myPTPTN.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.ptptn.gov.my\/7-langkah-bayaran-balik-pinjaman-ptptn-menggunakan-bigpay\/\" target=\"_blank\">\t\t<div class=\"elementor-carousel-image lazyload\" role=\"img\" aria-label=\"SEO-Artical-Banner-BigPay-v3\" style=\"background-image:inherit\" data-bg-image=\"url(&#039;https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/SEO-Artical-Banner-BigPay-v3.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.ptptn.gov.my\/langkah-bayaran-balik-pinjaman-ptptn-melalui-saluran-iimmpact\/\" target=\"_blank\">\t\t<div class=\"elementor-carousel-image lazyload\" role=\"img\" aria-label=\"Langkah-Bayaran-Balik-Menggunakan-IIMMPACT-2048x1229\" style=\"background-image:inherit\" data-bg-image=\"url(&#039;https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Langkah-Bayaran-Balik-Menggunakan-IIMMPACT-2048x1229-1.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.ptptn.gov.my\/langkah-bayaran-balik-pinjaman-menggunakan-aplikasi-mbsb\/\" target=\"_blank\">\t\t<div class=\"elementor-carousel-image lazyload\" role=\"img\" aria-label=\"Banner-Langkah-Bayaran-Balik-Pinjaman-PTPTN-Menggunakan-Aplikasi-MBSB-2048x1229\" style=\"background-image:inherit\" data-bg-image=\"url(&#039;https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Banner-Langkah-Bayaran-Balik-Pinjaman-PTPTN-Menggunakan-Aplikasi-MBSB-2048x1229-1.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.ptptn.gov.my\/7-sebab-pendaftaran-pengesahan-ekyc-aplikasi-myptptn-gagal\/\" target=\"_blank\">\t\t<div class=\"elementor-carousel-image lazyload\" role=\"img\" aria-label=\"Artboard-1\" style=\"background-image:inherit\" data-bg-image=\"url(&#039;https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Artboard-1.png&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.ptptn.gov.my\/pelaksanaan-insentif-diskaun-bayaran-balik-pinjaman-ptptn\/\" target=\"_blank\">\t\t<div class=\"elementor-carousel-image lazyload\" role=\"img\" aria-label=\"Article-image-Belanjawan-2024-_-Diskaun-PTPTN\" style=\"background-image:inherit\" data-bg-image=\"url(&#039;https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Article-image-Belanjawan-2024-_-Diskaun-PTPTN.jpg&#039;)\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg>\t\t\t\t\t\t\t<span class=\"elementor-screen-only\">Previous<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg>\t\t\t\t\t\t\t<span class=\"elementor-screen-only\">Next<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-25bee2c elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"25bee2c\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-318714d\" data-id=\"318714d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4dda44b elementor-widget elementor-widget-heading\" data-id=\"4dda44b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Jangan lepaskan peluang ini!<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc1f310 elementor-widget elementor-widget-heading\" data-id=\"fc1f310\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Rebut cenderamata EKSKLUSIF hanya dengan membuat bayaran balik pinjaman PTPTN<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d61371 elementor-widget elementor-widget-text-editor\" data-id=\"3d61371\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p style=\"text-align: left;\">Tempoh Kempen:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-457baf0 elementor-widget elementor-widget-heading\" data-id=\"457baf0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1 Disember 2023 sehingga 31 Disember 2023<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cccf816\" data-id=\"cccf816\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ad36544 elementor-widget elementor-widget-image\" data-id=\"ad36544\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"299\" height=\"159\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-332.png\" class=\"attachment-full size-full wp-image-304 lazyload\" alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 299px; --smush-placeholder-aspect-ratio: 299\/159;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"299\" height=\"159\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-332.png\" class=\"attachment-full size-full wp-image-304\" alt=\"\" \/><\/noscript>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee69091 elementor-mobile-align-center elementor-align-center elementor-widget elementor-widget-button\" data-id=\"ee69091\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md elementor-animation-shrink\" href=\"https:\/\/www.ptptn.gov.my\/kempen-myptptn-pay-2win\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Jom bayar sekarang<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-737e9f8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"737e9f8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-87e62c6\" data-id=\"87e62c6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-45e6cb6 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-heading\" data-id=\"45e6cb6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Teruskan membayar balik pinjaman PTPTN anda<br\/>demi kelestarian generasi akan datang!<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40f0415 elementor-hidden-desktop elementor-widget elementor-widget-heading\" data-id=\"40f0415\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Teruskan membayar balik pinjaman PTPTN anda demi kelestarian generasi akan datang!<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-4663a7b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4663a7b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-42f4945\" data-id=\"42f4945\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ebec3bb elementor-widget elementor-widget-image\" data-id=\"ebec3bb\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.ptptn.gov.my\/myptptn\/\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"393\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/myptptnbothdevice.png\" class=\"attachment-full size-full wp-image-64 lazyload\" alt=\"\" data-srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/myptptnbothdevice.png 750w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/myptptnbothdevice-300x157.png 300w\" data-sizes=\"(max-width: 750px) 100vw, 750px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 750px; --smush-placeholder-aspect-ratio: 750\/393;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"393\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/myptptnbothdevice.png\" class=\"attachment-full size-full wp-image-64\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/myptptnbothdevice.png 750w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/myptptnbothdevice-300x157.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/noscript>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fbf790c\" data-id=\"fbf790c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f65ee97 elementor-widget elementor-widget-heading\" data-id=\"f65ee97\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Alami Pengalaman Baharu Dunia Pendigitalan PTPTN<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-249f058 elementor-widget elementor-widget-text-editor\" data-id=\"249f058\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Terkini! Transaksi anda lebih mudah dengan myPTPTN<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-625137c elementor-widget elementor-widget-image\" data-id=\"625137c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/taplink.cc\/myptptn\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"527\" height=\"48\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-253.png\" class=\"attachment-full size-full wp-image-65 lazyload\" alt=\"\" data-srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-253.png 527w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-253-300x27.png 300w\" data-sizes=\"(max-width: 527px) 100vw, 527px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 527px; --smush-placeholder-aspect-ratio: 527\/48;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"527\" height=\"48\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-253.png\" class=\"attachment-full size-full wp-image-65\" alt=\"\" srcset=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-253.png 527w, https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-253-300x27.png 300w\" sizes=\"(max-width: 527px) 100vw, 527px\" \/><\/noscript>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5f2255 elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"b5f2255\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md elementor-animation-shrink\" href=\"https:\/\/www.ptptn.gov.my\/myptptn\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Muat turun sekarang<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-acb966d elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"acb966d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7f55dfc\" data-id=\"7f55dfc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ba9e32d elementor-widget elementor-widget-heading\" data-id=\"ba9e32d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Jika anda ada sebarang pertanyaan, sila hubungi PTPTN melalui saluran berikut:<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-5bea755 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5bea755\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-815479e\" data-id=\"815479e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-97adff5 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"97adff5\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-widget-image-box .elementor-image-box-content{width:100%}@media (min-width:768px){.elementor-widget-image-box.elementor-position-left .elementor-image-box-wrapper,.elementor-widget-image-box.elementor-position-right .elementor-image-box-wrapper{display:flex}.elementor-widget-image-box.elementor-position-right .elementor-image-box-wrapper{text-align:right;flex-direction:row-reverse}.elementor-widget-image-box.elementor-position-left .elementor-image-box-wrapper{text-align:left;flex-direction:row}.elementor-widget-image-box.elementor-position-top .elementor-image-box-img{margin:auto}.elementor-widget-image-box.elementor-vertical-align-top .elementor-image-box-wrapper{align-items:flex-start}.elementor-widget-image-box.elementor-vertical-align-middle .elementor-image-box-wrapper{align-items:center}.elementor-widget-image-box.elementor-vertical-align-bottom .elementor-image-box-wrapper{align-items:flex-end}}@media (max-width:767px){.elementor-widget-image-box .elementor-image-box-img{margin-left:auto!important;margin-right:auto!important;margin-bottom:15px}}.elementor-widget-image-box .elementor-image-box-img{display:inline-block}.elementor-widget-image-box .elementor-image-box-title a{color:inherit}.elementor-widget-image-box .elementor-image-box-wrapper{text-align:center}.elementor-widget-image-box .elementor-image-box-description{margin:0}<\/style><div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"103\" height=\"103\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-162.png\" class=\"attachment-full size-full wp-image-57 lazyload\" alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 103px; --smush-placeholder-aspect-ratio: 103\/103;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"103\" height=\"103\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-162.png\" class=\"attachment-full size-full wp-image-57\" alt=\"\" \/><\/noscript><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Careline<\/h3><p class=\"elementor-image-box-description\">03-2193 3000<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-ba9ccda\" data-id=\"ba9ccda\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4c01abf elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"4c01abf\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"103\" height=\"103\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-190.png\" class=\"attachment-full size-full wp-image-59 lazyload\" alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 103px; --smush-placeholder-aspect-ratio: 103\/103;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"103\" height=\"103\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-190.png\" class=\"attachment-full size-full wp-image-59\" alt=\"\" \/><\/noscript><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Live Chat<\/h3><p class=\"elementor-image-box-description\">www.ptptn.gov.my<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-ef393a7\" data-id=\"ef393a7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5a6621e elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"5a6621e\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"103\" height=\"103\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-200.png\" class=\"attachment-full size-full wp-image-60 lazyload\" alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 103px; --smush-placeholder-aspect-ratio: 103\/103;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"103\" height=\"103\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-200.png\" class=\"attachment-full size-full wp-image-60\" alt=\"\" \/><\/noscript><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">e-Aduan<\/h3><p class=\"elementor-image-box-description\">eaduan.ptptn.gov.my<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-fafd788 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fafd788\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-bc1831b\" data-id=\"bc1831b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fba2817 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"fba2817\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"103\" height=\"103\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-153.png\" class=\"attachment-full size-full wp-image-56 lazyload\" alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 103px; --smush-placeholder-aspect-ratio: 103\/103;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"103\" height=\"103\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-153.png\" class=\"attachment-full size-full wp-image-56\" alt=\"\" \/><\/noscript><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Eksekutif Pemasaran<\/h3><p class=\"elementor-image-box-description\">www.ptptn.gov.my\/pejabat-cawangan-ptptn<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-9f0ecfb\" data-id=\"9f0ecfb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-47597c4 elementor-position-left elementor-vertical-align-top elementor-widget elementor-widget-image-box\" data-id=\"47597c4\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"99\" height=\"99\" data-src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-173.png\" class=\"attachment-full size-full wp-image-58 lazyload\" alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 99px; --smush-placeholder-aspect-ratio: 99\/99;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" width=\"99\" height=\"99\" src=\"https:\/\/www.ptptn.gov.my\/DiskaunPTPTN\/wp-content\/uploads\/2023\/11\/Group-173.png\" class=\"attachment-full size-full wp-image-58\" alt=\"\" \/><\/noscript><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Media Sosial<\/h3><p class=\"elementor-image-box-description\">@PTPTNOfficial<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-5a551f0\" data-id=\"5a551f0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-534cb2b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"534cb2b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-bdb5b33\" data-id=\"bdb5b33\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-ea223d1\" data-id=\"ea223d1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6570c2e\" data-id=\"6570c2e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d1c6e91 elementor-shape-circle elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"d1c6e91\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-widget-social-icons.elementor-grid-0 .elementor-widget-container,.elementor-widget-social-icons.elementor-grid-mobile-0 .elementor-widget-container,.elementor-widget-social-icons.elementor-grid-tablet-0 .elementor-widget-container{line-height:1;font-size:0}.elementor-widget-social-icons:not(.elementor-grid-0):not(.elementor-grid-tablet-0):not(.elementor-grid-mobile-0) .elementor-grid{display:inline-grid}.elementor-widget-social-icons .elementor-grid{grid-column-gap:var(--grid-column-gap,5px);grid-row-gap:var(--grid-row-gap,5px);grid-template-columns:var(--grid-template-columns);justify-content:var(--justify-content,center);justify-items:var(--justify-content,center)}.elementor-icon.elementor-social-icon{font-size:var(--icon-size,25px);line-height:var(--icon-size,25px);width:calc(var(--icon-size, 25px) + 2 * var(--icon-padding, .5em));height:calc(var(--icon-size, 25px) + 2 * var(--icon-padding, .5em))}.elementor-social-icon{--e-social-icon-icon-color:#fff;display:inline-flex;background-color:#69727d;align-items:center;justify-content:center;text-align:center;cursor:pointer}.elementor-social-icon i{color:var(--e-social-icon-icon-color)}.elementor-social-icon svg{fill:var(--e-social-icon-icon-color)}.elementor-social-icon:last-child{margin:0}.elementor-social-icon:hover{opacity:.9;color:#fff}.elementor-social-icon-android{background-color:#a4c639}.elementor-social-icon-apple{background-color:#999}.elementor-social-icon-behance{background-color:#1769ff}.elementor-social-icon-bitbucket{background-color:#205081}.elementor-social-icon-codepen{background-color:#000}.elementor-social-icon-delicious{background-color:#39f}.elementor-social-icon-deviantart{background-color:#05cc47}.elementor-social-icon-digg{background-color:#005be2}.elementor-social-icon-dribbble{background-color:#ea4c89}.elementor-social-icon-elementor{background-color:#d30c5c}.elementor-social-icon-envelope{background-color:#ea4335}.elementor-social-icon-facebook,.elementor-social-icon-facebook-f{background-color:#3b5998}.elementor-social-icon-flickr{background-color:#0063dc}.elementor-social-icon-foursquare{background-color:#2d5be3}.elementor-social-icon-free-code-camp,.elementor-social-icon-freecodecamp{background-color:#006400}.elementor-social-icon-github{background-color:#333}.elementor-social-icon-gitlab{background-color:#e24329}.elementor-social-icon-globe{background-color:#69727d}.elementor-social-icon-google-plus,.elementor-social-icon-google-plus-g{background-color:#dd4b39}.elementor-social-icon-houzz{background-color:#7ac142}.elementor-social-icon-instagram{background-color:#262626}.elementor-social-icon-jsfiddle{background-color:#487aa2}.elementor-social-icon-link{background-color:#818a91}.elementor-social-icon-linkedin,.elementor-social-icon-linkedin-in{background-color:#0077b5}.elementor-social-icon-medium{background-color:#00ab6b}.elementor-social-icon-meetup{background-color:#ec1c40}.elementor-social-icon-mixcloud{background-color:#273a4b}.elementor-social-icon-odnoklassniki{background-color:#f4731c}.elementor-social-icon-pinterest{background-color:#bd081c}.elementor-social-icon-product-hunt{background-color:#da552f}.elementor-social-icon-reddit{background-color:#ff4500}.elementor-social-icon-rss{background-color:#f26522}.elementor-social-icon-shopping-cart{background-color:#4caf50}.elementor-social-icon-skype{background-color:#00aff0}.elementor-social-icon-slideshare{background-color:#0077b5}.elementor-social-icon-snapchat{background-color:#fffc00}.elementor-social-icon-soundcloud{background-color:#f80}.elementor-social-icon-spotify{background-color:#2ebd59}.elementor-social-icon-stack-overflow{background-color:#fe7a15}.elementor-social-icon-steam{background-color:#00adee}.elementor-social-icon-stumbleupon{background-color:#eb4924}.elementor-social-icon-telegram{background-color:#2ca5e0}.elementor-social-icon-threads{background-color:#000}.elementor-social-icon-thumb-tack{background-color:#1aa1d8}.elementor-social-icon-tripadvisor{background-color:#589442}.elementor-social-icon-tumblr{background-color:#35465c}.elementor-social-icon-twitch{background-color:#6441a5}.elementor-social-icon-twitter{background-color:#1da1f2}.elementor-social-icon-viber{background-color:#665cac}.elementor-social-icon-vimeo{background-color:#1ab7ea}.elementor-social-icon-vk{background-color:#45668e}.elementor-social-icon-weibo{background-color:#dd2430}.elementor-social-icon-weixin{background-color:#31a918}.elementor-social-icon-whatsapp{background-color:#25d366}.elementor-social-icon-wordpress{background-color:#21759b}.elementor-social-icon-x-twitter{background-color:#000}.elementor-social-icon-xing{background-color:#026466}.elementor-social-icon-yelp{background-color:#af0606}.elementor-social-icon-youtube{background-color:#cd201f}.elementor-social-icon-500px{background-color:#0099e5}.elementor-shape-rounded .elementor-icon.elementor-social-icon{border-radius:10%}.elementor-shape-circle .elementor-icon.elementor-social-icon{border-radius:50%}<\/style>\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook elementor-repeater-item-7903f3a\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-facebook\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256c0 123.78 90.69 226.38 209.25 245V327.69h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.28c-30.8 0-40.41 19.12-40.41 38.73V256h68.78l-11 71.69h-57.78V501C413.31 482.38 504 379.78 504 256z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-b725597\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-instagram\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.1 141c-63.6 0-114.9 51.3-114.9 114.9s51.3 114.9 114.9 114.9S339 319.5 339 255.9 287.7 141 224.1 141zm0 189.6c-41.1 0-74.7-33.5-74.7-74.7s33.5-74.7 74.7-74.7 74.7 33.5 74.7 74.7-33.6 74.7-74.7 74.7zm146.4-194.3c0 14.9-12 26.8-26.8 26.8-14.9 0-26.8-12-26.8-26.8s12-26.8 26.8-26.8 26.8 12 26.8 26.8zm76.1 27.2c-1.7-35.9-9.9-67.7-36.2-93.9-26.2-26.2-58-34.4-93.9-36.2-37-2.1-147.9-2.1-184.9 0-35.8 1.7-67.6 9.9-93.9 36.1s-34.4 58-36.2 93.9c-2.1 37-2.1 147.9 0 184.9 1.7 35.9 9.9 67.7 36.2 93.9s58 34.4 93.9 36.2c37 2.1 147.9 2.1 184.9 0 35.9-1.7 67.7-9.9 93.9-36.2 26.2-26.2 34.4-58 36.2-93.9 2.1-37 2.1-147.8 0-184.8zM398.8 388c-7.8 19.6-22.9 34.7-42.6 42.6-29.5 11.7-99.5 9-132.1 9s-102.7 2.6-132.1-9c-19.6-7.8-34.7-22.9-42.6-42.6-11.7-29.5-9-99.5-9-132.1s-2.6-102.7 9-132.1c7.8-19.6 22.9-34.7 42.6-42.6 29.5-11.7 99.5-9 132.1-9s102.7-2.6 132.1 9c19.6 7.8 34.7 22.9 42.6 42.6 11.7 29.5 9 99.5 9 132.1s2.7 102.7-9 132.1z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-twitter elementor-repeater-item-1e48136\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Twitter<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M459.37 151.716c.325 4.548.325 9.097.325 13.645 0 138.72-105.583 298.558-298.558 298.558-59.452 0-114.68-17.219-161.137-47.106 8.447.974 16.568 1.299 25.34 1.299 49.055 0 94.213-16.568 130.274-44.832-46.132-.975-84.792-31.188-98.112-72.772 6.498.974 12.995 1.624 19.818 1.624 9.421 0 18.843-1.3 27.614-3.573-48.081-9.747-84.143-51.98-84.143-102.985v-1.299c13.969 7.797 30.214 12.67 47.431 13.319-28.264-18.843-46.781-51.005-46.781-87.391 0-19.492 5.197-37.36 14.294-52.954 51.655 63.675 129.3 105.258 216.365 109.807-1.624-7.797-2.599-15.918-2.599-24.04 0-57.828 46.782-104.934 104.934-104.934 30.213 0 57.502 12.67 76.67 33.137 23.715-4.548 46.456-13.32 66.599-25.34-7.798 24.366-24.366 44.833-46.132 57.827 21.117-2.273 41.584-8.122 60.426-16.243-14.292 20.791-32.161 39.308-52.628 54.253z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-telegram elementor-repeater-item-57aa47e\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Telegram<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-telegram\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111 8 0 119 0 256s111 248 248 248 248-111 248-248S385 8 248 8zm121.8 169.9l-40.7 191.8c-3 13.6-11.1 16.9-22.4 10.5l-62-45.7-29.9 28.8c-3.3 3.3-6.1 6.1-12.5 6.1l4.4-63.1 114.9-103.8c5-4.4-1.1-6.9-7.7-2.5l-142 89.4-61.2-19.1c-13.3-4.2-13.6-13.3 2.8-19.7l239.1-92.2c11.1-4 20.8 2.7 17.2 19.5z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-tiktok elementor-repeater-item-b334ca3\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Tiktok<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-tiktok\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M448,209.91a210.06,210.06,0,0,1-122.77-39.25V349.38A162.55,162.55,0,1,1,185,188.31V278.2a74.62,74.62,0,1,0,52.23,71.18V0l88,0a121.18,121.18,0,0,0,1.86,22.17h0A122.18,122.18,0,0,0,381,102.39a121.43,121.43,0,0,0,67,20.14Z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-youtube elementor-repeater-item-9f206bf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Youtube<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-youtube\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M549.655 124.083c-6.281-23.65-24.787-42.276-48.284-48.597C458.781 64 288 64 288 64S117.22 64 74.629 75.486c-23.497 6.322-42.003 24.947-48.284 48.597-11.412 42.867-11.412 132.305-11.412 132.305s0 89.438 11.412 132.305c6.281 23.65 24.787 41.5 48.284 47.821C117.22 448 288 448 288 448s170.78 0 213.371-11.486c23.497-6.321 42.003-24.171 48.284-47.821 11.412-42.867 11.412-132.305 11.412-132.305s0-89.438-11.412-132.305zm-317.51 213.508V175.185l142.739 81.205-142.739 81.201z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-039e49f\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-3988c8bc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3988c8bc\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-33c551ee\" data-id=\"33c551ee\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bdad955 elementor-shape-circle elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"bdad955\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook elementor-repeater-item-597b560\" href=\"https:\/\/www.facebook.com\/PTPTNOfficial\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-facebook\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256c0 123.78 90.69 226.38 209.25 245V327.69h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.28c-30.8 0-40.41 19.12-40.41 38.73V256h68.78l-11 71.69h-57.78V501C413.31 482.38 504 379.78 504 256z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-91d03ae\" href=\"https:\/\/www.instagram.com\/ptptnofficial\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-instagram\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.1 141c-63.6 0-114.9 51.3-114.9 114.9s51.3 114.9 114.9 114.9S339 319.5 339 255.9 287.7 141 224.1 141zm0 189.6c-41.1 0-74.7-33.5-74.7-74.7s33.5-74.7 74.7-74.7 74.7 33.5 74.7 74.7-33.6 74.7-74.7 74.7zm146.4-194.3c0 14.9-12 26.8-26.8 26.8-14.9 0-26.8-12-26.8-26.8s12-26.8 26.8-26.8 26.8 12 26.8 26.8zm76.1 27.2c-1.7-35.9-9.9-67.7-36.2-93.9-26.2-26.2-58-34.4-93.9-36.2-37-2.1-147.9-2.1-184.9 0-35.8 1.7-67.6 9.9-93.9 36.1s-34.4 58-36.2 93.9c-2.1 37-2.1 147.9 0 184.9 1.7 35.9 9.9 67.7 36.2 93.9s58 34.4 93.9 36.2c37 2.1 147.9 2.1 184.9 0 35.9-1.7 67.7-9.9 93.9-36.2 26.2-26.2 34.4-58 36.2-93.9 2.1-37 2.1-147.8 0-184.8zM398.8 388c-7.8 19.6-22.9 34.7-42.6 42.6-29.5 11.7-99.5 9-132.1 9s-102.7 2.6-132.1-9c-19.6-7.8-34.7-22.9-42.6-42.6-11.7-29.5-9-99.5-9-132.1s-2.6-102.7 9-132.1c7.8-19.6 22.9-34.7 42.6-42.6 29.5-11.7 99.5-9 132.1-9s102.7-2.6 132.1 9c19.6 7.8 34.7 22.9 42.6 42.6 11.7 29.5 9 99.5 9 132.1s2.7 102.7-9 132.1z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-twitter elementor-repeater-item-904fbcb\" href=\"https:\/\/twitter.com\/PTPTNOfficial\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Twitter<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M459.37 151.716c.325 4.548.325 9.097.325 13.645 0 138.72-105.583 298.558-298.558 298.558-59.452 0-114.68-17.219-161.137-47.106 8.447.974 16.568 1.299 25.34 1.299 49.055 0 94.213-16.568 130.274-44.832-46.132-.975-84.792-31.188-98.112-72.772 6.498.974 12.995 1.624 19.818 1.624 9.421 0 18.843-1.3 27.614-3.573-48.081-9.747-84.143-51.98-84.143-102.985v-1.299c13.969 7.797 30.214 12.67 47.431 13.319-28.264-18.843-46.781-51.005-46.781-87.391 0-19.492 5.197-37.36 14.294-52.954 51.655 63.675 129.3 105.258 216.365 109.807-1.624-7.797-2.599-15.918-2.599-24.04 0-57.828 46.782-104.934 104.934-104.934 30.213 0 57.502 12.67 76.67 33.137 23.715-4.548 46.456-13.32 66.599-25.34-7.798 24.366-24.366 44.833-46.132 57.827 21.117-2.273 41.584-8.122 60.426-16.243-14.292 20.791-32.161 39.308-52.628 54.253z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-telegram elementor-repeater-item-295de7a\" href=\"https:\/\/t.me\/ptptnofficial\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Telegram<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-telegram\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111 8 0 119 0 256s111 248 248 248 248-111 248-248S385 8 248 8zm121.8 169.9l-40.7 191.8c-3 13.6-11.1 16.9-22.4 10.5l-62-45.7-29.9 28.8c-3.3 3.3-6.1 6.1-12.5 6.1l4.4-63.1 114.9-103.8c5-4.4-1.1-6.9-7.7-2.5l-142 89.4-61.2-19.1c-13.3-4.2-13.6-13.3 2.8-19.7l239.1-92.2c11.1-4 20.8 2.7 17.2 19.5z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-tiktok elementor-repeater-item-359d1e2\" href=\"https:\/\/www.tiktok.com\/@ptptnofficial\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Tiktok<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-tiktok\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M448,209.91a210.06,210.06,0,0,1-122.77-39.25V349.38A162.55,162.55,0,1,1,185,188.31V278.2a74.62,74.62,0,1,0,52.23,71.18V0l88,0a121.18,121.18,0,0,0,1.86,22.17h0A122.18,122.18,0,0,0,381,102.39a121.43,121.43,0,0,0,67,20.14Z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-youtube elementor-repeater-item-c37fb60\" href=\"https:\/\/www.youtube.com\/@PTPTNTV\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Youtube<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-youtube\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M549.655 124.083c-6.281-23.65-24.787-42.276-48.284-48.597C458.781 64 288 64 288 64S117.22 64 74.629 75.486c-23.497 6.322-42.003 24.947-48.284 48.597-11.412 42.867-11.412 132.305-11.412 132.305s0 89.438 11.412 132.305c6.281 23.65 24.787 41.5 48.284 47.821C117.22 448 288 448 288 448s170.78 0 213.371-11.486c23.497-6.321 42.003-24.171 48.284-47.821 11.412-42.867 11.412-132.305 11.412-132.305s0-89.438-11.412-132.305zm-317.51 213.508V175.185l142.739 81.205-142.739 81.201z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-7744fd0\" href=\"https:\/\/www.linkedin.com\/company\/ptptnofficial\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5eab6d elementor-widget elementor-widget-text-editor\" data-id=\"c5eab6d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Hak Cipta Terpelihara \u00a9 2023 Perbadanan Tabung Pendidikan Tinggi Nasional<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Dapatkan DISKAUNBayaran BalikPinjaman PTPTN Sekarang! Tempoh Diskaun : 14 Oktober 2023 &#8211; 31 Mac 2024 Anda turut berpeluang menangi hadiah keseluruhan bernilai RM50,000 dengan sertai myPTPTN, Pay 2Win! Ketahui lanjut di sini Dapatkan DISKAUN Bayaran Balik Pinjaman PTPTN Sekarang! Tempoh Diskaun : 14 Oktober 2023 &#8211; 31 Mac 2024 Anda turut berpeluang menangi hadiah keseluruhan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-26","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.3 (Yoast SEO v22.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Portal PTPTN - Diskaun PTPTN<\/title>\n<meta name=\"description\" content=\"Bebaskan kewangan anda dengan dapatkan diskaun sehingga 15%. 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