Introduction

The Education Loan (TPP) offered by the Ministry of Higher Education (MOHE) is a Federal Education Revolving Loan Trust Fund established under the Financial Procedure Act 1957. The loan is given to students furthering their studies at certificate level in Polytechnics and Community Colleges under the Ministry. TPP borrowers are to repay the loan starting 6 months after completing their studies, or upon securing a job (whichever comes first). MOHE has stipulated a monthly repayment instalment of RM125, although  a monthly payment higher than the amount required is encouraged. Borrowers are to adhere strictly to the repayment schedule provided. Reminders will be issued should the borrowers fail to comply with the schedule. A loan repayment letter of claim will be sent to borrowers within 6 months of completing their studies. In cases where the borrowers have withdrawn from or failed their studies, the letter of claim shall be sent out immediately upon notification of the borrowers’ status by the Polytechnic/Community College concerned.

Online Statement / Balance Statement Review

Balance Statement Letter

Borrowers may apply in writing through a letter/email/fax. The latest official balance statement will be issued within three (3) working days from the date of receipt of the application.

Loan Repayment

Overpayment Claims

Application for TPP overpayment claims can be made by submitting the form and documents as follows :-

• TPP Overpayment Claim Form (download form);
• A copy of bank account details;
• A copy of payslips for the last two (2) months (regardless of whether monthly salary deductions are made to MOHE)

Notification display: Your ledger shows overpayment, for enquiries or

Update Loan Information/Status

If the borrower’s address has changed or the borrower has not received any letter of claim for repayment within six (6) months of completing studies, information can be updated by completing the update form (download form).

It is the responsibility of the borrower/guarantor/next-of-kin to immediately notify the Ministry in the case of the borrower’s death/disability/chronic illness to avoid a letter of reminder/non-compliance to repayment schedule being issued to the borrower. The notification can be made by completing the borrower’s death/disability/chronic illness notification form (download form).

• Information Update Form;
• TPP Borrower’s Death/Disability/Chronic Illness Notification Form.

The completed form can be emailed to This email address is being protected from spambots. You need JavaScript enabled to view it. or mailed to the following address:

Rescheduling of Loan Repayment

A borrower can be considered for a reduction in the monthly instalment rate of an education loan repayment in the following cases:

• The borrower is a receiver of aids from Government agencies such as the Social Welfare Department (Jabatan Kebajikan Masyarakat, JKM), zakat or subsistence benefits such as Bantuan Sara Hidup (BSH); OR
• The borrower is unemployed (as verified by the Ketua Kampung/ JKKK/ Penghulu); OR
• The borrower's existing debt commitment has exceeded 60% of the monthly salary.

PLEASE NOTE:

The borrower will have to complete a form,  with the following supporting documents attached:

• The borrower’s Income Declaration Form (download form) verified by the Ketua Kampung/ JKKK or Penghulu attached to the application form (download form);
• A copy of the borrower’s payslip (endorsed by the Employer, if employed);
• An Instalment Reduction Appeal Letter (please provide strong justifications); and
• Other supporting documents (e.g. recipient account for BR1M/BSH/zakat/e-KASIH etc.)

Application for Payment Settlement Confirmation

The borrower may apply in writing for the Payment Settlement Confirmation via letter/email/fax to be issued accordingly by submitting the following:

• The borrower’s full name;
• Identity card (IC) number (as in the contract);
• Telephone number;
• Postal address.

An agreement is established between the Government and students sponsored by MOHE which binds them to comply with the terms of the signed agreement. This is a mechanism  enforced  by MOHE to ensure that the contracted students comply with the agreement to complete their studies within the sponsorship period, and contribute to the country forthwith. In this regard, sponsored students pursuing studies at institutions of higher learning must complete their studies within the approved sponsorship period and serve the Government in compliance with the agreement in force.

Failure to comply with the conditions stated in the offer letter from MOHE and the contract document will result in a student being subject to a claim for damages. Claims for damages are imposed on students who fail to complete their studies within the stipulated sponsorship period. The amount of compensation imposed is between RM120,000 to RM160,000 for studies in local institutions, and the actual cost of expenses incurred by the Government for studies abroad.

Balance Statement Letter

The contract defaulter may apply in writing for a Balance Statement Letter through a letter/email/fax. The latest official statement of the balance of compensation will be issued within three (3) working days from the date of receipt of the application.

Loan Repayment

Claims for Overpayment of Compensation/ Overpaid Allowance (Elaun Terlebih Bayar, ETB)

Update Contract Defaulter’s Information/Status

If the borrower’s address has changed or the borrower has not received any letter of claim for repayment within six (6) months of completing studies, the borrower’s information can be updated by completing the update form (download form).

It is the responsibility of the borrower/guarantor/next-of-kin to immediately notify the Ministry in the case of the borrower’s death/disability/chronic illness to avoid a letter of reminder/non-compliance to repayment schedule being issued to the borrower. The notification can be made by completing the borrower’s death/disability/chronic illness notification form (download form).

• Information Update Form;
• TPP Borrower’s Death/Disability/Chronic Illness Notification Form.

The completed form can be emailed to This email address is being protected from spambots. You need JavaScript enabled to view it. or mailed to the following address:

Postponement / Rescheduling of Loan Repayment

A contract defaulter may be considered for postponement of compensation payment/service period/rescheduling of instalment in the following cases:

• Having critical health issues but with a view to recovery
• Pursuing studies to a higher level (with confirmation letter from university/institution concerned)
• Still unemployed

Application for Payment Settlement Confirmation

The contract defaulter may apply in writing for the Payment Settlement Confirmation via letter/email/fax to be issued accordingly by submitting the following:

• The borrower’s full name;
• Identity card (IC) number (as in the contract);
• Telephone number;
• Postal address.