New guide: Repaying Your PTPTN Loan
The guide nobody hands you at graduation.
- When repayment starts (6 months after you graduate — not when you get a job)
- Income-based installment schedule
- JomPAY code: 10952
- How to get 20% off via the settlement discount
- What to do if unemployed (deferral options)
- Why non-payment blocks your passport
