How to check PTPTN Loan Balance, Blacklist Borrowers, SSPN Deposit via SMS?

For PTPTN loan borrowers, you may now check PTPTN loan account balances at faster way using mobile phone anywhere by SMS. Below are the examples of how to use SMS to check PTPTN loan account:

Loan Balance:
PTPTN PINJAM(SPACE)NOKP(SPACE)NOPIN
Example: PTPTN PINJAM 880512019989 123456 OR PTPTN PINJAM RF123456 987654

Blacklist Borrowers:
PTPTN LEGAL(SPACE)NOKP(SPACE)NOPIN

Are You Blacklisted to Travel Overseas Due to Late Payment of PTPTN Loan?

Make sure your payments are paid on time for PTPTN loan to avoid your name being listed into Immigration Department’s blacklist database, which will forbid you from travelling to overseas.

For more information, please login www.ptptn.gov.my

{ 65 comments… read them below or add one }

william

PTPTN blacklist people and forbid those who not paying the loan. If some of them have the chance sent by company to overseas for 2-3 weeks services and now they are blacklist so how are they going to earn more money for the loan repayment? the authorities need to consider the future of the loaners before taking action. no money how to pay to PTPTN. now living standard is high, petrol price going up year by year.

Reply

Jas

If the borrower is working, the borrower should be able to start paying PTPTN and pay on time then the borrower should not have problem with this issue.
Call PTPTN and get them to sort this out if the borrower has been paying back PTPTN on time.

Reply

Bryan

There are people who get the loan and are not responsible to repay back even though they are earning good salaries. The government is really not acting seriously on this matter and this is really not been fair to those who are earning little and are fully responsible to pay back on time. I personally advise the government should give specialy incentives to those who pay promptly

Reply

yean wong

It’s true, Now Im in singapore working, but if i wanna go back to Malaysia, I can’t go back to Singapore anymore, If i lose my job, how am I gonna pay my loan? They never think of that and not even excuse for it. Better I just stay here til my passport expired then go back to Malaysia and not Paying anything coz its really troublesome. Not that we dont want to pay, but everybody have their own problems, as for me, Me & my dad is the only person to support the family.

Reply

manlant

yes bro..we are in same case..before im was working in singapore as a supervisor at shipping company…we sent to sailed( at FPSO ) for 1 to 3 years and then break a once..til the time im break for 1 month..after that, go for sail again.whem im at airport for imigration checkup..im was failed..my journey til there only..and now im unemployee, and how can i pay for ptptn if my way just stoped only at airport..

Reply

Kumar

All excuses, why did u borrow at the first place if u cant pay it back????!!! what kind of citizen are u guys. U guys should just complain about the 3% interest which is very high. Stop complaining n pay your debt. When u guys borrow the money it was easy aint it. now to pay back it hurts ????

Reply

Koo

Absolutely agreed with Kumar. Those who not fulfill their obligation to pay back will jeopardize the future of people who really need the loan fo further study. Try to imagine that when your sister or brother’s application for PTPTN rejected by reason that fund insufficient due to those borrowers not pay back

Reply

Chong Kong Hui

The situation is getting worst! Not only the student (now working adult) not paying back… Jabatan Audit Negara has in year 2010 report revealed that there are more problem behind… I am worried about my saving for children education in PTPTN. (www.audit.gov.my)

Reply

Kate

I am one of the PTPTN borrower.

I have so much to say on this but one thing that i hate is that. The notice send to the borrower often arrived very late then the date stated on the letter. I remember the first time i received a letter asking me to start paying for the loan. I requested to have a postpone date. It takes like few months to received responce. Yes i did received the approval of the new date, BUT it was like after a few week of the date stated on the letter. The worse part is that, the due date for me to response on the later is OVER. Where is the problem here exactly?? Does it cause by the late process in the mailing services?? Or… the process of documentation of PTPTN office is not systematic??? Think about it.

I submited another letter to explain on that and yet i got no response until now! The last thing i know is that, i have received the blacklist letter!!!

This is very frustrating!!

Reply

Jas

When you sign the contract to borrow the money, dint it state that once u graduate, u have 6 months to payback PTPTN without interest? After that 6 months the interest of 3% applies and you only start paying this amount after 6 month of your graduation. Dont know know what you signed????
I am out of PTPTN for 4 years and i still remember. How could you not take your contract seriously. Being black listed is a 1st step for you to learn to be careful of what you sign next time. Lesson learned and dont complain.

Reply

Ex-Student

This is very lame. PTPTN are not trying to helps Malaysian’s student but they are trying to kill them instead. If they are really want to help us, why are they charging an interest to our loan??? Make it a what u borrow is what u pay basis. Afterall, those money came from our parent. Why are they always giving their citizen a BIG headache??! If u r sincere enuf to help, try not to make our difficult life harder.

Sincerely,
One of the victim.

Reply

Do

PTPTN..you are the only body that tertiary students rely on..but why you are not try to rely on them by having a win-win situation…u are no where without student…your funds are our money…we have the right as a malaysian…malaysia is no where if all the malaysian are discontinue their study even do nothing… the point here is PTPTN must be responsibled upon the effect of the policy that they has play around.

Reply

Chris

@ ex student
1% interest also u want to complain?
The 1% interest that they charge isnt even enough to cover the costs and inflation. PTPTN loan is exactly what it is, a study loan, not a scholarship, unless you did very well and had it converted to a scholarship.
Please pay up and cut the lame excuses.

Reply

alynn

I have some question to ask and share. If the borrower are married and have childs and paid an average salary (e.g RM 1500/1200 or below) by their company, how they going to pay their loan regularly bcoz they have lots of expenses like house rental, kitchen expenses, kids medical expenses etc….Hope
PTPTN can consider this situation especially for those who are blacklisted.

Reply

Jenggo

i suggest that ptptn can accept rm50/monthly payment no matter when it finished as long as the loan being paid. Take MARA as example. But this suggestion are for those who earned 3k and below.

Amin

Reply

melly_melly

agree with kumar.
im one of ptptn borrower and just finished my installment this year after 10 years paying it!
Thanks to ptptn for the loan that i can be what i am now.
please guy, just pay it coz its your debt! if u can pay for your credit card, of cos u can pay ptptn too.

Reply

Peach

after finished ptptn installment any letter determine my installment is finish?

Reply

Nasir

request new statement of account from ptptn

Reply

Joking Corner

Hi

I had a write up on how to remove yourself from PTPTN Blacklist.
You can refer here for the article:
http://jokingcorner.blogspot.com/2011/03/how-to-remove-from-ptptn-blacklist.html

Reply

Kumar

FOR ALL THE PERSON WHO IS NOT PAYING AND COMPLAINING.
1. If you cant pay why did you take the loan.
2. if your family is not so well to do why did you even go and study instead of supporting them.
3. Nothing is free in this world.
4. If you working in Singapore then its lame to say that u dont have RM200 or RM300 per month to pay back.
5. If you under tight budget, its totally your problem and its not the PTPTN problem to look after you.
6. WILL YOU ACCEPT IF A COMPANY YOU ARE WORKING FOR TELLS YOU THAT THEY DON’T HAVE ENOUGH MONEY TO PAY YOUR SALARY OR THAT THEY WANT ONLY PAY RM50 PER MONTH??????? If not please stop complaining and start paying.
7. If you didn’t get statement why didn’t you call then up and ask how much you need to pay and etc.
8. PTPTN is giving out huge sum to everyone who is borrowing and they made you sign contract, And in it clearly stated how much you need to pay and for how long. WHY DID YOU SIGN IF YOU KNOW YOU CANT PAY.??
9. For all you citizens who borrowed and not paying, the words im gona use is harsh but face it.

- Don’t be selfish and ignorant
- please pay what you owe
- it is said its easy to take and very hard to give back
I know its the tax payers money or whatever, but aren’t they using the money for good?? So is the country being bad or you just making your self stupid.

for all of you out there
DON’T BE GREEDY AND BORROW WHAT YOU CANT PAY.
IM 25 and im earning and partially supporting my family as well and im paying monthly RM300 to PTPTN. That is a huge sum for me but i borrowed the money and its my responsibility to pay it back.

Please be glad that they are not making you bankrupt or whatever because you are not paying back. For now don’t find stupid excuses and please pay back. Your family problem is not the countries problem but the countries problem is your problem. From payers to non payers we don’t care what you say or what kind of excuse you give, if we can pay then you can pay. For those who are jobless, stop relaxing and being choosy and go work. for ppl who are working and not paying, im shamed of you, you call yourself a Malaysian the downfall of our country is because ppl like you.

You owe ppl you pay ppl.

Reply

Molly

You are the one who is selfish % ignorant by saying all of those egoistic comment of your.
Hey dude, if we have this premonition about what happened to our life in future, that we couldn’t pay our loan, we won’t take the loan at all. But unfortunately, we are no God that we know our fate is gonna be so hard like this.
For those who have a poor family, their family want them to further their study in hope that they will get a good job once they finished their study but sometime things we planned doesn’t go right away. They are not God and they cannot predicted what will happened in future!
Ya you are 25 years old, very young and supporting you family as well but may be you got a good job with a thick salary. Don’t think other people from your own perspective because lots of people who borrow from PTPTN is less lucky in finding jobs with good salary. Lots of them end up working for salary as low as RM1200 per month and that amount barely cover their expenses especially those who have family of their own. Maybe RM50 doesn’t mean anything to you but to people who know how hard to earn those money, it’s mean everything! To me, it’s better they pay RM50 than nothing at all! I know you gonna said, why married if cannot support a family, but as i said we are no God and we cannot tell what happened in our life.
Please no hard feeling but I just don’t like the way your voice your opinion.

Reply

kopiotehtarek

ya ya ya.. true true true.. aggreed :P mwahaha >.<

Reply

manlant

im agree with molly statement toward kumar..
hey..dont say that man,every people not stand at the same life level..may u come from rich familly and got no problem to pay it back for ptptn..but how about other people,,not all people have a job after graduated..i suck kumar..think before u talk

Reply

vaani

if can’t get job how to pay?

Reply

Nasir

At the moment we are suing those who haven’t paid a single cent or who stopped paying like over a year (some even after 3 years still receive no summons).

Yet, for the record, those who pay halves of the monthly instalments; on-off (once in every two months), are still getting the benefit of not receiving court summons. However they are only save for the moment.

Early this year, we the panel solicitor for ptptn received insruction to proceed 10k summons against the defaulters, and they are those the former i mentioned.

As for the latter, I do not know yet their fate,but ptptn will issue another tsunami instruction this september. I hope it against the same hard defaulters as the former and not those who are paying out of their hardship.

If the minister approved it, I’m afraid it could be execution for those who already summoned in court and slapped with judgment. Meaning, you may expect the Court’s people (we call them Bailiff) to appear at your parent’s door (mostly because Borrower did not update their current address, so the only address ptptn has is your parent’s since it is generally used in the agreement u signed b4) to seize the goods and wares in your parent house and open a public lelong (which definately and truly embarassing).

So people, even if it is really hard, try make payment every month, for even just rm50. In my experience, those who made prior payment even that little, they have much better chance to discuss with ptptn about removing the blacklist.

Reply

Nasir

Again, for those who receive the small poscard by ptptn offering to reduce the interest to 1%, pls act promptly. And dont forget to follow up to make sure you got that benefit.

For those who are already under summons stage, I’m truly sorry that you are not entitled for that reduction (unless the system screwed and u accidentally receive the offer. Believe me, the automated system did screwed, as I for myself received the offer whereas I did not borrow from ptptn….he he heh)

Reply

Chee Soon Juan

Do you need Extra Cash for start up your Business or need funds for Personal needs? Needing the funds to pay your due purchase/house/rentals/loans?

WORRY STRESS FREE

Get your Extra Cash at 100% risk free loan. Extra Cash is open to all Singaporean/PR. Drop us an e-mail for further discussion and assistance @ mailto:helpindeed@rocketmail.com

Reply

marian

I want a loan. but starts an application only if you know not to ask me before you send money. thanks

Reply

Anam Helob

ILLEGAL DOINGS BY GOVERNMENT

I am not here to say borrowers do not need to repay their loan.
But government is abusing its power and suppress people’s basic rights. Freedom to travel is a basic human rights. Only people like bankruptcy whom were declared by court were disallowed to travel overseas for uncessary reason.

If PTPTN wants to to be treated as professionals, they should request people to view them as financial institution and/or banks. No bank will be allowed to work directly with Malaysia immigration to block travellers without court order.

PTPTN borrowers who got their freedom of travel blocked by government institution which is having audit, quality and compliance problems themselves is abusing their power by working with immigration and impose illegal restriction.

Reply

lea

yes i DO agree with u, i am havin difficulties to pay back due to expenses more than salary.. salary not increase but expenses increase, i want to work in dubai to settle all my debt but i cant ptptn block my passport so how?. is like we will dying here.. once u are in debt nothing u can do. i believed is not only me.. having the issue most of ptptn borrowers having the same issue.

Reply

Simon

Hello everyone, relating to what has been said by most of you citizens of Malaysia, I believe we should learn to use our head and not our foot some times when we think of helping people. In view of all that has been said by individual, I could find a lot of idiots who talks like people without brain. Talking about PTPTN is not what we should take ourselves to become fools in the presence of our leaders. Malaysia is not the only nation that gives out study loan to his fellow citizens, American does it, so as Britain too and they never take it has something so hard on their citizens for them not to gain the opportunities they want. In the area of travelling overseas, I believe those who are behind the ptptn should not have any right to collide with the Immigration from deny their fellow citizens from travelling overseas because even Americans and the British allow their fellow citizens to go round the world because they trust their citizens. What they should do is making an agreement with them so that wherever they are around the world, they should be making their payment instalmentally without any difficulties. The government of Malaysia should try to give a helping hand to their fellow citizens, so as for them to be able to get their payment done. On the area of employment, they should try to increase the salary wages of individuals as citizens, because paying someone a sum of RM1200 to RM1800 doesn’t really help at all. For a graduate of this country, we should expect a payment and not peanut because we all know the reasons why we go to school and become a better person in life. We are begging the government of Malaysia to please have a look into the areas of ptptn study loan payment to what they can do to help our fellow citizens.

Reply

honey

dah taip semua maklumat untuk cek balance,nak send ke no apa????

Reply

anchal

i would like to know how should i know the balance of his PTPTN. lately i went for interview at Singapore and i’m worried that my name will be blacklisted.

Reply

Mrs. Rebecca Robert.

Hello,
Here comes an Affordable loan that will change your life for ever, I am Mrs. Rebecca Robert a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 3%.You will never be disappointed by me in this transaction because you were not born to be a loser.Any interested clients should contact me Asap via Email (mrsrebeccaloanlenders@gmail.com)for further proceeds
Waiting your reply.

With Regards,
Mrs. Rebecca Robert.
Email: (mrsrebeccaloanlenders@gmail.com)

Reply

Mrs. Rebecca Robert.

Greetings To You.

I am Mrs. Rebecca Robert Agency. I am Writing you to introduce a small and large business money lending service to you. I can service your financial need with less payback problem that is why we fund you for just 3%. Need business or a personal loan Fill the Short application below. Contact us today for that loan you need with this email address: mrsrebeccaloanlenders@gmail.com

I offer loan to individuals who are desperately in need of loan of all kind.I render a legitimate service to who ever that is really interested in applying for a quick loan.If you are interested kindly fill the loan application form below: Dear readers you should note that this offer is for serious minded individual,firms and companies.Do not let this opportunity pass you by.Get your loan to solve your financial problems.

I am offering you all to the best of my knowledge and to your satisfaction okay, Please, provide us with the following: Dear readers you should note that this offer is for serious minded individual, firms and companies.Do not let this opportunity pass you by. Get your loan to solve your financial problems.

Full Name:
Home Address:
Phone:
Mobile:
Country:
Gender___Sex:
Amount Needed:
Loan Duration:
Need For Loan Application

Mrs. Rebecca Robert.
Email: (mrsrebeccaloanlenders@gmail.com )

Reply

outlaw

Hello,i am Mrs Lilian James, i`m from Canada. I was so much in need of a loan, and i posted a question on how i can get a loan. Someone advised me to contact Standard Loan ltd(standardlifeloanplc@gmail.com) , although i was scared at first but i decided to give them a trier. To my greatest surprise my loan was approved and granted without any form of credit check,no collateral,no cosigner and with just 1.3% interest rate. So, i will advise everyone out there that need a loan to contact them via this email:( standardlifeloanplc@gmail.com) and tell them i directed you.

Reply

anti gov loan

My complaints are:
1) I’ve already paid a few thousands to PTPTN and they still had me on their blacklist.
2) The letters are always late and most of them had never even reached me. Already updated the address with PTPTN and still nothing changes. New letters never arrived.
3) You cannot clear the blacklist until half of the loan are paid. Of course, they won’t accept monthly salary cut in those case.
4) Your only real solution is to pay 100% of the money. Of course, if you had that kind of money why take the loan at all.
5) Until recently, paying PTPTN loans is a bitch. Which is why most of those blacklisted are from the days when there is no option to pay online. Nowdays, they claim it is easy to do payments but their payment system are very buggy and the transactions are not secure (no https). Just waiting to be hacked.

Advice:
If you are a student, looking for financing. Do not consider PTPTN. It sucks, you’re better off doing part-time at University and pay as you go. Even bank loans are better off, since at least the loan is negotiable and you don’t have to worry about them not accepting your payments due to some stupid quotes.
Of course the explanations by PTPTN are never consistent.

Also, the banks will give you friendly reminders if you are late in paying them. PTPTN would just let your debt grow into a mountain before they ask you to pay. Of course, they do it by blocking your passport. An action taken only for the most serious offense (terrorism).

Reply

amran mehat

sms nak semak balance tu nak send kat sapa….apasal x reti nak jawab ke

Reply

amran mehat bodoh!!

Amran: Tanya soalan biarlah sopan sikit, ini tak, tanya orang soalan tapi kasar bunyinya.Macam ini siapa nak jawab soalan kamu.Carilah sendiri!

Reply

Kurap

Hei Kumar,
You mention why we took PTPTN if we can’t pay, All of borrower just 19 years old when they sign PTPTN agreement. Do 19 years know the contract act that will effect their life? No, ha.

Reply

Danii

If you didn’t take PTPTN, what do you think would’ve happen to your life? I bet you would’ve thought abt tht first thing rite? Apply da same theory la poink! =,=
Sometimes you ppl really don’t think before replying.

Reply

Support Kurap

I agree with you Kurap. Hei Kumar, you so stupid when make a comment here maybe because you still lucky till now.

Reply

nash

klu still guna conventional nya loan type (3% interest) go & visit http://epay.ptptn.gov.my/loan/ptptnlogin.html untuk check baki loan.

Masuk IC and loan no. Mana nk dpt loan no.? check kat ptptn nya statement yg dia hantar ke rumah (also called no pin)

Reply

janet

pinjama anak saya sudah lewat 4 bulan masih belum masuk akaun. Universitinya banyak kali meminta yuran semesta 1 tahun ini dibayar secepat mungkin, kalau tidak dia tak dapat menduduki pemeriksaan bulan 1 tahun 2002.
Saya sudah seminggu setiap hari bekerja dan waktu bekerja menghubungi pejabat PTPTL. Tetapi tidak ada seorang pegawai bertanggungjawab menjawab panggilan. Semua gaji buta..!

Reply

aidilazhar bin abdul rahman

no akaun pinjaman

Reply

jannah

semak loan balance gune mobile phone then nak send kt number brape?

Reply

Jo

Nak tanya sikit
Kalau lupa no pin macam mana ?
Call talian ptptn x dapat langsung
Sms ptptn sekali no kp boleh ke ?

Reply

guna

by sms you can do. type PTPTN NOPIN [YOUR-IC-#] SEND TO 33199.

Reply

shida

Saya ada soalan sikit.
Saya dah daftar untuk loan ptptn 3% kepada 1% (ujrah) dan dah dapat offer daripada pihak ptptn untuk dapatkan no. pin.
tetapi, macam mana nak dapatkan dokumen lain iaitu perjanjian ujrah ?
dan macam mana pulak pembayarannya?

Reply

jeffrey

tuan,anak saya baru buka sspn akaun pd 13.12.11 di cimb kch.lepas tu pihak bank suruh follow up kat ptptn samada dah terima borang permohonan tau belum.nama khairulnisa bt jeffrey(930107-13-6380).sekiranya ptptn dah terima,apa langkah seterusnya yg harus anak saya buat?

Reply

princes

pls lah pay back.pls think of our coming genaration{brother and sisters}

Reply

Miskin

try to live at sabah,where your basic salary are only RM700-800 :)..

Reply

inayujji

i’ve borrow ptptn.. n how can i check my bllance? i forget my nopin???

Reply

James

nak tnya skt…mcm mana nak tahu bahawa kita dah dpt PTPTN?…
saya dah hantar surat perjanjian smua ke alamat PTPTN…so,camna nak tahu Ptptn dah approved loan saya atau x?…

Reply

deshegan
gunaseelan thinakaram

checking balance

Reply

gunaseelan thinakaram

accordinging to my records the balance should read zero

Reply

Kath

Aiyo, Really a ignorant after reading some comments about irresponsible of their childish attempt… did you realize ptptn is a really good channel or way to finance your study… the Authority has adjusted the interest rate from 3 to 1% n you guys to critic the interest still very high… haiz…

I know the living standard due to inflation rate is getting higher, butback to the reality, could you get any loan with 1% interest rate and not chargers required from others in market… im from poor single parent family, i cant imagine i could further my studies without PTPTN… what are u would be if without ptptn, could u still enjoy college or university life?

i borrowed 20k to finance my degree, repayment suppose to be 157 per month which is stated on my loan offer letter, but i only pay rm100 for every month witout any issues…

So start making repayment to secure new generations coming who intended to pursue their studies….

Reply

she

i hope after i graduate i could do my best to pay my loan. :((((
i dun wan to apply the loan at 1st place but my condition r not allowing me, i oso lack of info about scholarship back tht day. now i ody got wifi here at college, so i try hard to look for some scholarship. i ody apply one scholarship but i din make it. so if i dun get any scholarship, i hv to rely to ptptn. but i’ll do my best to pay back bcoz it;s my responsibility. i’m so worry

Reply

AC

errr, i can’t find to which number to send the SMS….

Reply

Danii

Hello reasoning species, go get your whatever info directly from the official ptptn site la: http://www.ptptn.gov.my
So much time to bloody backlash n create excuses but no time to Google da web n get info!
Whether the living standard is low, rm50 for repayment oso cannot afford ehh?? Quit splurging money on shopping for unnecessary stuff n pay back la. 1% not even a thousand bucks lehh, cant pay zit??
FYI, and once youve paid da loan in full, PTPTN will send you a release letter saying youre no longer owe them. If at all you don’t receive, CALL THEM UP!! I don’t see wht is so hard in doing tht.

Reply

esther

if i take half of the money of ptptn . should i have to pay full of my loan ?

Reply

Kannika devi

how to repay the ptptn loan ….for education …

Reply

sharmila

hello guyzzz…….i wanna knw regarding……ptptn loan payment…..how much the intrset we have to pay bek….1% or 3%…..please somebdy help….bcos some of my frens said tat we hv 2 pay 1%intrst ony……..tats y

Reply

KT

I do pay my PTPTN, but not very often.
Every year I am paying the interest only.(3% of RM48 K , yearly RM 1440)
Which mean, the total loan amount is exactly the same as the amount I borrow back in year 2006… (RM 48k)

This is because the cost of living expenses is too high,
After graduate from Uni, working many years til now …
getting more debt. Even I am very sincere really DO wanna pay back and clear the debt, but sorry… Money not enough.

So I try my best to pay the interest…
Waiting for my salary increase then only can start pay more…

I am not successful apply for the 1 %, dunno why.
So … accept the fate and pay the 3 %.

Reply

Leave a Comment