Budget 2027: Borrowers praise PTPTN repayment discounts and deferments

The National Higher Education Fund Corporation (PTPTN) in Malaysia has introduced repayment relief measures as part of Budget 2027, which received positive responses from borrowers.

The measures include repayment deferment for those earning less than RM2,500 monthly and a reduced minimum repayment of RM50 for those earning between RM2,500 and RM3,000.

Additionally, borrowers who maintain regular repayments without arrears can benefit from a 10% discount.

These new provisions aim to alleviate the financial burden on fresh graduates as they transition into the workforce, while encouraging regular repayments.

KUALA LUMPUR, Oct 23 — The National Higher Education Fund Corporation (PTPTN) borrowers have welcomed the repayment relief measures announced under Budget 2027, saying the deferment and lower monthly payments will help ease financial pressures, particularly among fresh graduates.

Under the measures, borrowers earning less than RM2,500 a month will be allowed to defer repayments, while those earning between RM2,500 and RM3,000 will only need to pay a minimum of RM50 a month. Borrowers with no arrears who make regular repayments will also receive a 10 per cent discount.

For Jeremiah Abraham Selvaraj, 43, a cyber security consultant, the education loan was instrumental in helping him complete his bachelor’s degree in mechatronics engineering at Monash University Malaysia and improve his family’s socioeconomic circumstances.

“Without this financial assistance, it would have been impossible for me to complete my higher education. The loan has helped those from lower and middle-income families improve their living standards,” he said.

He described the new repayment measures, including the RM50 monthly minimum, as a considerate move that would help ease the financial burden on fresh graduates.

Jeremiah, who has maintained a consistent repayment record without arrears, also said the 10 per cent discount for regular repayments served as an incentive to maintain financial discipline.

Customer service officer Carol Chan, 24, who is also a PTPTN borrower, welcomed the repayment deferment for those earning less than RM2,500 a month, saying it would give fresh graduates more time to stabilise their finances as they entered the workforce.

“The initiative helps ease our financial burden as we establish ourselves in our careers, allowing us to stabilise our daily expenses and strengthen our finances first,” she said.

Meanwhile, marketing executive Fatin Yusoff, 36, viewed the 10 per cent discount for borrowers without arrears who make regular repayments as recognition of their commitment.

Having maintained her repayments consistently over the past four years, she said the incentive would encourage borrowers to remain disciplined in meeting their obligations.

“When there are incentives like this, it feels as though our efforts are appreciated. The savings from the discount can be channelled into an emergency fund or other essential expenses,” she said.

Hafizul Fiqri Mazlan, 41, a graphic designer at the National Film Development Corporation Malaysia (FINAS) who fully repaid his PTPTN loan in 2019, said borrowers should make full use of the repayment incentives.

He said the deferment for borrowers earning less than RM2,500 a month and the RM50 minimum monthly repayment for those earning below RM3,000 would be particularly helpful to those who had just started working.

Hafizul, a former student of Kolej Antarabangsa Yayasan Melaka (KAYM), also welcomed the 10 per cent discount, noting that previously, he had only been able to obtain a discount by settling his loan in full.

He stressed that borrowers had a responsibility to repay their loans so that the funds could continue helping other students pursue higher education.

Prime Minister Datuk Seri Anwar Ibrahim announced the repayment measures when tabling Budget 2027 on Oct 9. — Bernama

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马来西亚国家高等教育基金公司（PTPTN）在 2027 年财政预算案中推出了还款减免措施，并得到了借款人的积极响应。

这些措施包括：对于月收入低于 2500 令吉的人，允许其延期还款；对于月收入在 2500 令吉至 3000 令吉之间的人，允许其最低还款额降低至 50 令吉。

此外，按时还款且无拖欠的借款人可享受 10% 的折扣。

这些新规定旨在减轻应届毕业生进入职场时的经济负担，同时鼓励定期还款。

吉隆坡，10 月 23 日讯——国家高等教育基金局 (PTPTN) 的借款人对 2027 年财政预算案中宣布的还款减免措施表示欢迎，称延期还款和降低每月还款额将有助于缓解经济压力，尤其是有助于缓解应届毕业生的经济压力。

根据这些措施，月收入低于2500令吉的借款人可以延期还款，而月收入在2500令吉至3000令吉之间的借款人每月只需支付最低50令吉。无拖欠且按时还款的借款人还将获得10%的折扣。

对于 43 岁的网络安全顾问 Jeremiah Abraham Selvaraj 来说，教育贷款对他完成在马来西亚莫纳什大学的机电工程学士学位以及改善其家庭的社会经济状况起到了至关重要的作用。

“如果没有这笔经济援助，我根本不可能完成高等教育。这笔贷款帮助中低收入家庭改善了生活水平，”他说。

他认为，包括每月最低还款额 50 令吉在内的新还款措施是一项体贴的举措，将有助于减轻应届毕业生的经济负担。

杰里迈亚一直保持着良好的还款记录，没有拖欠记录。他还表示，定期还款可享受 10% 的折扣，这激励他保持财务自律。

24岁的客服人员Carol Chan也是PTPTN的借款人，她对每月收入低于2500令吉的人可以延期还款表示欢迎，称这将使应届毕业生有更多时间在进入职场后稳定自己的财务状况。

“这项举措有助于减轻我们在事业起步阶段的经济负担，使我们能够先稳定日常开支，增强财务实力，”她说。

与此同时，36 岁的市场营销主管 Fatin Yusoff 认为，对于没有拖欠款项且按时还款的借款人，10% 的折扣是对他们承诺的认可。

她表示，过去四年她一直按时还款，这项激励措施将鼓励借款人继续自律地履行还款义务。

“有了这样的激励措施，感觉我们的努力得到了认可。省下来的钱可以存入应急基金或其他必要的开支中，”她说。

41 岁的 Hafizul Fiqri Mazlan 是马来西亚国家电影发展局 (FINAS) 的一名平面设计师，他于 2019 年全额偿还了 PTPTN 贷款。他表示，借款人应该充分利用还款奖励。

他表示，对于月收入低于 2500 令吉的借款人，可以延期还款；对于月收入低于 3000 令吉的借款人，每月最低还款额为 50 令吉，这对刚刚开始工作的人来说尤其有帮助。

曾就读于马六甲国际基金会学院 (KAYM) 的哈菲祖尔也对 10% 的折扣表示欢迎，并指出以前他只有全额偿还贷款才能获得折扣。

他强调，借款人有责任偿还贷款，这样资金才能继续帮助其他学生接受高等教育。

马来西亚首相拿督斯里安华于10月9日提交2027年财政预算案时宣布了还款措施。——马新社

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