Hello readers, as I've officially graduated for about 2 months and it's now month of January in the blink of an eye, I ought to be responsible to pay for my PTPTN loans. Therefore, I spared some time to read and understand about the guidelines given on PTPTN official website, so that I can share it to each and everyone of you if you would like to figure out the steps of paying PTPTN loans easily like me.

According to education part -PTPTN repayment in Budget 2018, there are several incentives to be extended until Dec 2018: 

EXTRA: 

The grace period given for the settlement of loans has been extended to 12 months after their studies have ended, which means we can pay it after one year of graduation. I think it's quite good for those who like to further their studies after degree as there is probably no stable income or salary as a student.

So let's get started to know more about the ways to pay PTPTN loans ! There are several ways stated as below: 

FIRST METHOD: Pay through FPX system on PTPTN portal

• Go to PTPTN official website: https://www.ptptn.gov.my/web/guest/anjung
• Click icon of Semakan Penyata Pinjaman

• Insert IC no and check

• Login the portal with IC no and password

• Pay via FPX system

SECOND METHOD: Pay through bank portal 

THIRD METHOD: Direct Debit (Make sure you use latest version of Firefox to apply)

• Go to PTPTN official website: https://www.ptptn.gov.my/web/guest/anjung
• Click the icon of 'Pemohonan Direct Debit'

• Click 'Mohon Direct Debit Pinjaman'

• Insert IC no and check

• Login the portal with IC no and password

• It shows the minimum amount that you have to pay monthly and you can fill in the same amount or more than that. 
• Afterwards, you need to pay RM1 for deposit to apply. The application of direct debit is actually free of charge but the application of working day is 3 days. You will receive RM1 back once your application is successful.
• The amount that you fill in will be automatically deducted each month after your bank account and bank details are accessed to be verified.

FORTH METHOD: Pay through JomPAY on bank portal

For the method that is introduced by PTPTN official website, JomPAY, I think it's actually quite complicated and it may take some time.

• Go to PTPTN official website: https://www.ptptn.gov.my/web/guest/anjung
• Click icon of 'Semakan Jom Pay'
• Insert IC no and check
• It will show 'PINJAMAN UJRAH' and there are some references of JomPAY, which are Biller Code, Ref-1 and Ref-2 (your contact no).  

I did not print screen due to privacy matter that may cause some inconveniences. You have to jot them down as they are very important for transaction of money. I tried with Maybank2u but it showed temporarily unavailable for the transaction so I'm not sure whether JomPAY is still available to access or not.

To pay it constantly and to have the 10% discount, I've applied the Direct Debit through PTPTN official website and the application is still in process (3 working days). You can choose to pay minimum amount of debt each month or more than that and RM200 will be paid monthly by rounding off the decimal places of RM192++ something with my own financial ability. RM200 x 10% = RM20/month to be discounted by government, which means RM20 x 12 months = RM240 as yearly rebate.

Be grateful that most of us were provided with PTPTN loan for our expenses in university and also with the flat interest rate of only 1% p.a only to pay the debts after graduation. Encouraging fresh graduates to pay for the loans to ensure the continuous benefits offering to others who really need for it in future !

That's all for the sharing, I hope this article is helpful for fresh graduates like me ! 💗