PTPTN 2027: repayment deferred for incomes up to RM2,500, RM50 minimum and 10% discount

Budget 2027, tabled on 9 Oct 2026, announced several repayment measures for National Higher Education Fund Corporation (PTPTN) loans for 2027. PTPTN confirmed the measures in a statement on 11 Oct 2026.

PTPTN measures in Budget 2027

According to the Budget speech, the deferment and minimum repayment measures benefit more than 400,000 borrowers.

How your income is verified

PTPTN says the deferment and minimum repayment are subject to verification of income information through cross-checks with the Inland Revenue Board (LHDN). The statement does not say how or when to apply, so keep paying on schedule until PTPTN announces the implementation details.

The 10% discount goes to active borrowers with no arrears who repay consistently and regularly, and applies in 2027.

How to check your loan and when the money is paid

According to the PTPTN portal, the loan e-Services have moved completely to the myPTPTN app. There you can:

• check your loan statement;
• check application schedules and loan payment schedules, including the date loan money is paid;
• check your Loan Advance (Wang Pendahuluan Pinjaman, WPP);
• register and apply for a loan, since 10 Jan 2024.

Official enquiry channels

• PTPTN Live Chat: 9.00am to 5.00pm, Monday to Friday, except public holidays.
• PTPTN hotline: 03-2193 3000.
• Complaints: eaduan.ptptn.gov.my.

Beware of fake offers

The deferment, minimum repayment and discount come from PTPTN itself. Do not trust anyone offering a paid "PTPTN debt reduction", or links that ask for your myPTPTN password.

If you have been scammed, call the 24-hour 997 line as soon as possible so the accounts involved can be blocked (Berita RTM, 6 Jul 2026). Suspicious messages can be checked with the Scam Message Checker.