How to Pay PTPTN Loans Using EPF Money (2026)

Paying PTPTN using EPF is now an alternative that is gaining increasing attention for those who want to reduce the burden of paying back education loans. Submissions can be made easily online via the e-Pengeluaar system at EPF official website.

Many of us still don’t realize that PTPTN loans can actually be repaid using savings from the Employee Provident Fund (EPF) 2 account.

Through this facility, EPF allows contributors or family members of contributors to withdraw Account 2 specifically for the purpose of paying off PTPTN education loans.

What is EPF Withdrawal for Education?

EPF Withdrawal for Education is a facility that allows members to use savings in their Sejahtera Account to finance educational expenses. Quality education is important to ensure career stability and a better life.

Withdrawals can be made for yourself, your partner, children and/or parents at approved educational institutions, both within the country and abroad.

The amount that can be withdrawn is based on the school fees or education loan balance, or the entire Sejahtera Account savings (whichever is lower).

Allowable costs include school fees, remaining educational loans, dormitory or accommodation costs, as well as one-way plane tickets for first year students studying abroad or overseas. For Level 3 Certificate studies, withdrawals are limited to tuition fees only.

Benefits of Paying PTPTN Using EPF

1. Borrowers are allowed to use their EPF Account 2 savings, whether they belong to themselves or their partner (husband/wife), children and parents, with predetermined withdrawal conditions.
2. No withdrawal amount limits apply; Borrowers can pay off arrears, make partial payments or pay off the entire PTPTN education loan balance.
3. Withdrawals can be made more than once as long as Account 2 still has a balance.
4. There are no processing fees for these withdrawals.
5. This method helps save on ujrah costs while shortening the loan repayment period.
6. Even though PTPTN repayment is made through salary deductions or direct debit, withdrawals via EPF are still allowed.
7. Supporting documents are not required for subsequent withdrawals.

Who Can Apply

The conditions for EPF withdrawals for repayment of PTPTN education loans are as follows:

1. Malaysian Citizens & Non-Citizens
2. Aged 55 years or under
3. Have savings in a Sejahtera Account
4. Still continuing or have completed a Level 3 Certificate, diploma and above studies (academic/professional/skills-based/vocational)
5. Currently studying at a domestic institution (full-time, part-time, distance and franchise programs)
6. Overseas institutions (full-time program)
7. Did not get sponsorship/educational loan OR only received partial sponsorship/educational loan
   • (Full sponsorship/loan recipients are not eligible for Education Withdrawal)
8. It is permissible for Members/Children/Spouse/Parents of members who stop/fail/do not complete/withdraw from studies.
   • *To pay off all outstanding payments to Higher Education Institutions (HEI) within 3 years of graduation; and pay off the remaining education loan with the Lending Institution (IPP)

How to Apply for PTPTN Payments Via EPF i-Account

Here’s how to apply for PTPTN loan payments via the KWSP i-Account:

Step 1: Log in EPF i-Account​:

• Entering User ID and click Sign in now
• Entering Password and click Continue

Step 2: Educational Production Application:

• Click Production
• Click Education
• Click the ‘ iconDelete Savings‘
• Follow the Application Checklist and Click Okay
• Select Relationships EPF members with PTPTN borrowers
• Enter No. Student Reference (Check on myPTPTN)
• Click Continue

Step 3: Complete Study Information & Payment Amount:

• Choose Study Level
• Institutions involved, select PTPTN and click Continue
• Entering production amount and click Continue

Step 4: Verify Production Details

• Check and confirm Contact Information, Study Information & Production Information
• Click Continue
• Click Accept on Withdrawal Declaration

Step 5: Transaction Verification

• Entering TAC number (via SMS)
• Click Continue
• Completed (production has been successfully sent, the display will come out)
• Application status will be sent via SMS/Security Message inbox on EPF i-Account

(Only For First Time Application)

Step 6: Fingerprint Verification at EPF Office ​​

• Receive SMS from EPF (within 3-5 working days)
• Present at the EPF Branch Office with supporting documents according to the time period specified for the Fingerprint detection process

Complete applications received by PTPTN will be processed within that time period 7 to 14 business days.

NOTE: For those of you who have not registered for an EPF i-Account, please refer to the following article — EPF i-Account: Register Online, First Time Login & Statement Review

Further information

If you require further information or have any questions, please contact PTPTN Careline at 03–2193 3000 or EPF Customer Service at 03–8922 6000 for assistance.

You can also consult with a trained PTPTN Marketing Executive to check your loan account balance for repayment of your loan via the following link:

Frequently Asked Questions – Pay PTPTN Using EPF

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