Skip to content
First
Moveby MerekaFirst Move home
Back to the library
  • Scholarships and loans
  • Learners
  • Parents

Scholarships and loans from your state

State-by-state guide to post-SPM scholarships, study loans and grants from Malaysia's state foundations and governments: who qualifies, what they pay, when 2026 windows ran, and the official page for each.

Reviewed by Mereka staff

Published 24 Oct 2026Next check due 24 Jan 202710 min read58 of 58 facts verified against their sources

The figures, at a glance

Verified
YPJ's loan pays RM4,000 to RM6,000 a year for a diploma at a public institution, RM6,000 to RM10,000 a year for a diploma at its listed private colleges (KUYPJ, KKJ, KUIJSI), and RM6,000 to RM7,000 a year for a bachelor's degree.
0RM4,000RM6,000

Key facts

  • Most state schemes want you or a parent born in the state, or a set time living or studying there: more than 10 years in Selangor, at least 2 years in Kedah, or 5 years of school in Penang.[1][2][3]
  • Much state help is a loan you repay, not a grant. Johor's YPJ loan charges no interest; Penang's state loan charges 1% of the total.[4][5]
  • Penang's state study loan is open until 31 October 2026.[3]
  • From 2026, Sarawak's Free Tertiary Education Scheme covers Sarawakian students in 64 degree programmes at its state-owned universities, whatever the family income.[6]
  • Most state funds will not let you hold another sponsor, such as PTPTN, JPA or MARA, at the same time.[1][3][2]

JPA, MARA and PTPTN are national schemes. Our guide "Scholarships and study loans after SPM" (library item scholarships-and-loans-guide) covers them. Every state also has money for its own students, usually through a state foundation (yayasan) or the state government. Some fill gaps the national schemes leave, such as a loan for a private college or a small cash grant when you register.

To qualify you usually need a link to the state: you or a parent born there, or some years living or studying there. The wording differs from state to state, so read the exact rule.

We checked every official page below on 23 October 2026. Where we could not confirm a current scheme on an official page, we list the body and its website only.

Quick scan

StateMain bodyType of helpOfficial site
JohorYayasan Pelajaran Johor (YPJ)Interest-free loan, scholarship, one-off grantsypj.gov.my(opens in a new tab)
KedahSeksyen Pembiayaan Pendidikan Negeri Kedah (SPPNK)Loan (iPINJAM)sppnk.kedah.gov.my(opens in a new tab)
KelantanYayasan Kelantan Darulnaim (YAKIN)Loanyakin.kelantan.gov.my(opens in a new tab)
MelakaTabung Amanah Pendidikan Negeri Melaka (TAPEM)Loantapemonline.melaka.gov.my(opens in a new tab)
Negeri SembilanYayasan Negeri Sembilan (YNS)Interest-free loanyns.gov.my(opens in a new tab)
PahangYayasan PahangCheck their siteyp.org.my(opens in a new tab)
PenangState government (ePPN); Penang Future FoundationLoan; degree scholarshipeppn.penang.gov.my(opens in a new tab), penangfuturefoundation.my(opens in a new tab)
PerakYayasan PerakOne-off grant (INSISYP)yayasanperak.gov.my(opens in a new tab)
PerlisState Secretary's officeLoan and education aid formsperlis.gov.my(opens in a new tab)
SabahState scholarship (BKNS), Yayasan Sabah and others, on one portalScholarships, loans, grantsptps.sabah.gov.my(opens in a new tab)
SarawakYayasan Sarawak; Sarawak government (FTES)Loans, scholarships, free tuitionyayasansarawak.org.my(opens in a new tab)
SelangorYayasan SelangorLoanyayasanselangor.org.my(opens in a new tab)
TerengganuYayasan TerengganuScholarships, loans, convertible loansyt.gov.my(opens in a new tab)
Federal TerritoriesYayasan Wilayah Persekutuan (YWP)Check their siteyayasanwp.org(opens in a new tab)

Johor

Yayasan Pelajaran Johor (YPJ) runs Johor's schemes, and you apply on its eYPJ portal.

  • The study loan is interest-free, for students born and living in Johor whose parents together earn no more than RM10,000 a month. It pays RM4,000 to RM6,000 a year for a diploma at a public institution, RM6,000 to RM10,000 at YPJ's listed private colleges, and RM6,000 to RM7,000 a year for a degree. It was closed when we checked.[4]
  • The registration aid (Skim Bantuan Pendaftaran) gave a one-off RM500 to new first-year students in 2026 from families earning RM10,000 a month or less. The 2026 window ran from 17 August to 7 September 2026.[7]
  • Biasiswa Orang Muda Johor is a full scholarship, with A-Level in Malaysia first, for a degree at one of the world's top 20 universities. You need at least 9A in SPM, must be 19 or under at the closing date, and must be born in Johor or have lived there at least 5 years. There is no income limit. It was closed when we checked.[8]
  • IMAJ is a RM200 cash incentive for Johor students at public and selected private institutions, with no income limit. It was open when we checked.[9]

Kedah

The state's education financing section (SPPNK) runs the iPINJAM loan.[2]

  • For the 2026/2027 intake, online applications ran from 11 August to 15 September 2026.
  • You or a parent must be born and living in Kedah, or have lived there at least 2 years, and you cannot already get help from another agency. It is for new first-year students in a first full-time certificate, diploma or degree in Malaysia. STPM, matriculation, asasi (foundation) and TVET programmes are not covered.
  • For 2026 it pays RM12,000 a year for a diploma and RM14,000 for a degree at UniSHAMS, or RM3,000 (certificate), RM5,000 (diploma) and RM7,000 (degree) a year at other public and selected private institutions. You must keep a GPA of 2.5 every semester.

Kelantan

Yayasan Kelantan Darulnaim (YAKIN) gives study loans for public universities in Malaysia, or abroad if recognised by MQA (the Malaysian Qualifications Agency).[10]

  • You must be Kelantan-born and living in Kelantan, with an offer for a diploma or degree at a public university, a credit in SPM Bahasa Melayu and age 25 or under at the closing date. You cannot hold another sponsor.[10]
  • When we checked, the loan page listed RM3,500 a year for a diploma and RM5,000 a year for a degree at a public university in Malaysia.[10]
  • The latest degree round on YAKIN's site was for 2025: applications for study in Malaysia ran from 7 to 20 September 2025.[11]

Melaka

TAPEM, Melaka's state education trust fund, runs a higher-education loan (Pinjaman Wang Pengajian Tinggi) for anak Melaka at diploma, degree, master's and PhD level.[12]

  • TAPEM takes applications all year, by session. For the May 2026 session, diploma and degree applications ran from 1 January to 30 June 2026.[12]
  • You apply online, then print the form and send it with your documents to the TAPEM office. Check the full eligibility rules on the portal.[12]

Negeri Sembilan

Yayasan Negeri Sembilan (YNS) gives interest-free education loans, open all year. For a diploma or degree you must apply to PTPTN first. Only if PTPTN turns you down can you apply to YNS, with PTPTN's rejection letter. If you hear nothing within 2 months of the closing date, treat it as unsuccessful.[13]

Pahang

Yayasan Pahang runs the state's scholarships and loans. Its website blocked our automated checks, so check the current scheme on their site: yp.org.my(opens in a new tab).

Penang

  • The state study loan (Pinjaman Penuntut Negeri Pulau Pinang) is open from 1 July to 31 October 2026. You must be born in Penang or have gone to school there for at least 5 years, with an offer from a university or college in Malaysia (private college courses must be MQA-approved).[3]
  • It covers certificate, diploma and degree study, but not pre-university, matriculation, skills certificates or vocational college. You cannot hold PTPTN, MARA, JPA or another sponsor at the same time.[3]
  • The ePPN FAQ lists RM6,000 a year for a science degree, RM5,000 for an arts degree and RM4,000 for a diploma. It charges 1% of the total loan, and you start repaying 6 months after you finish.[5]
  • The Penang Future Foundation (PFF) scholarship comes later: a first degree in Malaysia in STEM, accountancy or finance, after STPM, foundation, matriculation or a diploma. It is open to all Malaysians.[14] For 2026, the Penang Scholar award needed a CGPA of 3.67 and household income up to RM15,000 a month; the Mutiara Scholar award needed 3.00 to 3.66 and up to RM5,000. Afterwards you must work in Penang: one year for every RM20,000 received, up to eight years.[15]

Perak

Yayasan Perak's Insentif Siswa (INSISYP) is a one-off grant, not a loan, for students in their first semester.[16]

  • When we checked it paid RM300 for a certificate, RM500 for a diploma and RM1,000 for a degree in Malaysia. For study abroad it paid RM1,500 or RM2,500 for a diploma and RM3,000 or RM5,000 for a degree, depending on the country.
  • Household income must be under RM7,500 a month (basic pay). You or a parent must be born and living in Perak, or have lived there more than 10 years.
  • Applications are open from 1 January to 30 November each year, and you must apply within 4 months of registering at your institution.

Perlis

The Perlis state portal lists a form for an education contribution (Sumbangan Dana Pendidikan) and loan forms from the state scholarship trust fund.[17] The loan form we read covers full-time first-degree, master's or PhD study, so it applies after pre-university. It is marked for applicants of Malay descent who are anak Perlis and have lived in Perlis for at least 5 years in a row, and it is sent to the State Secretary's office in Kangar.[18] The form carries no date, so ask that office whether it is current and what applies to you.

Sabah

Sabah puts its main sponsors on one portal, PTPS (Portal Tajaan Pendidikan Sabah): the state scholarship (BKNS), Yayasan Sabah, the Sabah Islamic Religious Council (MUIS), Baitulmal and the State Deputy Secretary's office.[19][20]

  • BKNS opened for 2026 on 20 April 2026, and its third 2026 round closed on 31 August 2026. You could apply before you had an offer and add it later.[19]
  • Yayasan Sabah offered grants (dermasiswa), scholarships and loans for certificate to PhD study in the 2026 session. Its online applications closed on 21 May 2026, after an extension.[21][19]
  • Yayasan Sabah bases its awards on results and parents' income, with priority for students from and living in Sabah.[20]

Sarawak

  • Sarawak's Free Tertiary Education Scheme (FTES) started in 2026. The Premier said it covers Sarawakian students in 64 degree programmes at state-owned universities, whatever the family income.[6] The state education minister said it applies to four universities in Sarawak and focuses on science and technology.[22] Swinburne Sarawak, one of them, asks eligible students to apply for FTES online, so ask your university how to be considered.[23]
  • Yayasan Sarawak's local study loan is for anak jati Sarawak (at least one parent Sarawakian) doing a diploma or degree at a public university through UPU, or at five Sarawak government-owned private universities and colleges. You need at least a C in SPM Bahasa Melayu, no other sponsor and two guarantors. It is open all year, and repayment starts 12 months after you finish.[24]
  • Its technical training loan pays fees up to RM10,000 a year at Yayasan Sarawak's panel skills institutions, for ages 16 to 30.[24]
  • Its scholarships (BYSTT and YBSTAR) open once a year and need a CGPA of 3.00 after STPM, matriculation, foundation or a diploma.[25]

Selangor

Yayasan Selangor gives a study loan for a full-time diploma or degree at a public or private institution in Malaysia.[1]

  • You must be born in Selangor, have a parent born in Selangor, or have lived in Selangor more than 10 years. Being born, or having a parent born, in Kuala Lumpur before 1 February 1974 also counts. Household income per person, meaning parents' income divided by dependants, must be under RM3,000 a month. You cannot already have PTPTN, JPA, MARA or another sponsor.[1]
  • The FAQ lists up to RM8,000 a year for a diploma and RM10,000 a year for a degree.[26]
  • You can apply only when Yayasan Selangor advertises the loan on its website, and shortlisted applicants are interviewed.[1] The State Secretary's office runs a separate study loan.[26]

Terengganu

Yayasan Terengganu gives scholarships, loans and aid to anak Terengganu, with a focus on B40 (lower-income) families and students without PTPTN, JPA or MARA funding.[27]

  • Its schemes include the Skim Pelajar Cemerlang for foundation and first-degree study, and convertible loans (pinjaman boleh ubah), including for special diploma programmes at public universities in fields such as AI, data science, law and pharmacy.[27][28]
  • On 23 October 2026 no applications were open. Schemes open by intake on the YTPENAJAAN system.[28]

Federal Territories

Yayasan Wilayah Persekutuan (YWP) lists a starter aid for higher education (Skim Bantuan Awal IPT) on its homepage, but its 2026 education page only describes school aid, a learning centre and SPM tuition.[29][30] Check the current scheme on their site.

Zakat and Islamic councils

State zakat bodies and Islamic religious councils also help Muslim students. For example, MAIWP in the Federal Territories ran a 2026 scholarship for degrees in Egypt and Jordan, open from 20 May to 19 June 2026 and subject to a means test (had kifayah).[31] In Sabah, MUIS and Baitulmal aid is on PTPS.[19] Ask your state zakat office what it offers.

What this means for you

  • Shortlist several schemes, but expect to keep one main sponsor. Selangor, Penang, Kedah and Kelantan all refuse applicants who already have another sponsor, so compare amounts and conditions before you accept anything.[1][3][2][10]
  • Know whether it is a loan or a grant. Most state money is a loan you repay. Perak's INSISYP and Johor's registration aid are one-off grants, and convertible loans sit in between: read the contract to see when any part is written off.[16][7]
  • Have your offer letter ready, and watch for short windows. Kedah's 2026 loan window lasted about five weeks and Johor's registration aid three weeks, and both ask for the offer letter.[2][7] Others, like Negeri Sembilan's and Yayasan Sarawak's local loan, stay open all year.[13][24]
  • Keep your documents ready. Expect your IC, birth certificate, parents' ICs and payslips, SPM certificate, school leaving certificate and offer letter. If you qualify through residence, you may need a letter from your penghulu or ketua kampung.[2][1]
  • Read what you owe afterwards. Kedah's loan needs a GPA of 2.5 every semester, and PFF scholars must work in Penang for up to eight years.[2][15]

Your next step

  1. From Penang with a diploma or degree offer? Apply for the state loan on ePPN(opens in a new tab) before 31 October 2026.
  2. Everyone else: find your state in the table above, open the official page, and save it. Check it again as soon as SPM 2026 results are announced, and keep a scanned folder of the documents listed above.

How sure are we?

Each fact or figure in this guide, and how well its sources back it up. Checking evidence is a skill: open a source and see if you agree.

58 of 58 facts verified against their sources

  • Verified · Its sources say this.

    Yayasan Pelajaran Johor's domestic study loan is interest-free (0%) and is for applicants born and living in Johor.

    Sources:[4]

  • Verified · Its sources say this.

    YPJ's loan requires the income of mother and father together to be no more than RM10,000 a month, with priority to the lowest household income per person.

    Sources:[4]

  • Verified · Its sources say this.

    YPJ's loan pays RM4,000 to RM6,000 a year for a diploma at a public institution, RM6,000 to RM10,000 a year for a diploma at its listed private colleges (KUYPJ, KKJ, KUIJSI), and RM6,000 to RM7,000 a year for a bachelor's degree.

    Sources:[4]

  • Verified · Its sources say this.

    YPJ's domestic study loan was marked closed ('Ditutup') on 23 October 2026.

    Sources:[4]

  • Verified · Its sources say this.

    Johor's Skim Bantuan Pendaftaran gives a one-off RM500 to new first-year (semester 1, 2026) full-time students whose family income is no more than RM10,000 a month; the Sesi 1/2026 window ran 17 August to 7 September 2026.

    Sources:[7]

  • Verified · Its sources say this.

    Biasiswa Orang Muda Johor is a full scholarship (fees and living allowance), including an A-Level preparatory programme in Malaysia, for a bachelor's degree at one of the world's top 20 universities.

    Sources:[8]

  • Verified · Its sources say this.

    Biasiswa Orang Muda Johor requires at least 9A in SPM 2025/2026, age 19 or under at the closing date, birth in Johor or at least 5 years living there, and has no income condition; it was marked closed on 23 October 2026.

    Sources:[8]

  • Verified · Its sources say this.

    Johor's IMAJ is a RM200 cash incentive for Johor students at public institutions and selected private ones, with no family income limit, and was marked open on 23 October 2026.

    Sources:[9]

  • Verified · Its sources say this.

    Kedah's iPINJAM 2026 (session 2026/2027) accepted online applications from 11 August to 15 September 2026, subject to change.

    Sources:[2]

  • Verified · Its sources say this.

    iPINJAM requires the applicant or a parent to be born and living in Kedah, or resident at least 2 years, and the applicant must not receive aid or sponsorship from any other agency.

    Sources:[2]

  • Verified · Its sources say this.

    iPINJAM 2026 is only for new first-year students (semester 1 and 2) of the 2026/2027 intake in a first full-time certificate, diploma or bachelor's degree in Malaysia; SVM, STPM, TVET, asasi and matriculation applicants are not eligible.

    Sources:[2]

  • Verified · Its sources say this.

    iPINJAM 2026 pays RM12,000 a year for a diploma and RM14,000 a year for a degree at UniSHAMS (medicine and surgery excluded), and RM3,000 (certificate), RM5,000 (diploma) and RM7,000 (degree) a year at other public and selected private institutions.

    Sources:[2]

  • Verified · Its sources say this.

    iPINJAM borrowers must achieve a GPA of 2.5 or above every semester.

    Sources:[2]

  • Verified · Its sources say this.

    YAKIN's study loan is for Kelantan-born Malaysians living in Kelantan with an offer for a diploma or degree at a public university (IPTA) in Malaysia or abroad recognised by MQA, a credit in SPM Bahasa Melayu, age 25 or under at the closing date, and no other sponsor.

    Sources:[10]

  • Verified · Its sources say this.

    YAKIN's loan page lists RM3,500 a year for a diploma and RM5,000 a year for a degree at a public university in Malaysia.

    Sources:[10]

  • Verified · Its sources say this.

    YAKIN's 2025 loan round for degree study in Malaysia was open from 7 to 20 September 2025, with online application.

    Sources:[11]

  • Verified · Its sources say this.

    TAPEM's higher-education loan (Pinjaman Wang Pengajian Tinggi) takes applications all year from anak Melaka at diploma, degree, master's and PhD level; the completed online form must be printed and sent with supporting documents to the TAPEM office.

    Sources:[12]

  • Verified · Its sources say this.

    TAPEM's loan for the May 2026 session (diploma and degree) was open from 1 January to 30 June 2026.

    Sources:[12]

  • Verified · Its sources say this.

    Yayasan Negeri Sembilan's education loan is interest-free and open all year; for diploma and degree study, applicants must apply to PTPTN first and submit PTPTN's rejection letter.

    Sources:[13]

  • Verified · Its sources say this.

    YNS says applicants who get no reply within 2 months of the closing date should treat the application as unsuccessful.

    Sources:[13]

  • Verified · Its sources say this.

    Penang's state study loan (Pinjaman Penuntut Negeri Pulau Pinang) is open for applications from 1 July 2026 to 31 October 2026.

    Sources:[3][5]

  • Verified · Its sources say this.

    Penang's state loan requires the applicant to be born in Penang or to have schooled there at least 5 years, with an offer at a local university or college (private-college courses must be MQA-approved).

    Sources:[3]

  • Verified · Its sources say this.

    Penang's state loan covers certificate, diploma and degree study (and postgraduate), but not pre-university, matriculation, KPLI, skills-certificate or vocational college courses, and recipients of PTPTN, MARA, JPA or other sponsors cannot apply.

    Sources:[3]

  • Verified · Its sources say this.

    The ePPN FAQ lists yearly loan rates of RM6,000 for a science degree, RM5,000 for an arts degree and RM4,000 for a diploma.

    Sources:[5]

  • Verified · Its sources say this.

    Penang's state loan charges 1% of the total loan, and repayment starts 6 months after the end of study.

    Sources:[5]

  • Verified · Its sources say this.

    The PFF scholarship, awarded by the Penang State Government, is open to all Malaysians for a first full-time degree in Malaysia in STEM or accountancy/finance, and applicants must have finished STPM, foundation, matriculation, a diploma or UEC first.

    Sources:[14][15]

  • Verified · Its sources say this.

    For 2026, the PFF Penang Scholar award needs a CGPA of 3.67 and household income of no more than RM15,000 a month; the Mutiara Scholar award needs a CGPA of 3.00 to 3.66 and household income of no more than RM5,000 a month; applicants must be 25 or younger.

    Sources:[15]

  • Verified · Its sources say this.

    PFF scholars must work in Penang after graduating: one year of service for every RM20,000 of fees and allowance sponsored, minimum one year and maximum eight years.

    Sources:[15]

  • Verified · Its sources say this.

    PFF applications open once a year, online only.

    Sources:[15]

  • Verified · Its sources say this.

    Yayasan Perak's INSISYP is a one-off grant for full-time students in the first semester of their first year: RM300 for a certificate, RM500 for a diploma and RM1,000 for a degree in Malaysia.

    Sources:[16]

  • Verified · Its sources say this.

    INSISYP for study abroad pays RM1,500 or RM2,500 for a diploma and RM3,000 or RM5,000 for a degree, depending on the country category.

    Sources:[16]

  • Verified · Its sources say this.

    INSISYP requires household income under RM7,500 a month (basic pay) and that the applicant or a parent was born and lives in Perak, or has lived in Perak more than 10 years (with a penghulu or ketua kampung letter).

    Sources:[16]

  • Verified · Its sources say this.

    INSISYP applications are open from 1 January to 30 November each year and close 4 months after the student registers at the institution.

    Sources:[16]

  • Verified · Its sources say this.

    The Perlis state portal lists a form for the state's education contribution (Sumbangan Dana Pendidikan) and study-loan forms from the Lembaga Pemegang Amanah Kumpulan Wang Biasiswa Negeri Perlis.

    Sources:[17]

  • Verified · Its sources say this.

    The Perlis study-loan form (Lembaga Pemegang Amanah Kumpulan Wang Biasiswa Negeri Perlis) is for full-time first-degree, master's or PhD study in Malaysia or abroad, for applicants of Malay descent who are anak Perlis and have lived in Perlis at least 5 years continuously; forms go to the State Secretary's office in Kangar.

    Sources:[18]

  • Verified · Its sources say this.

    Sabah's PTPS portal brings together education sponsorship from the State Government scholarship (BKNS), the Yayasan Sabah Group, the Sabah Islamic Religious Council (MUIS), Perbadanan Baitulmal Sabah and the State Deputy Secretary's office.

    Sources:[19][20]

  • Verified · Its sources say this.

    BKNS 2026 applications opened on 20 April 2026, and the BKNS Siri 3/2026 round closed on 31 August 2026.

    Sources:[19]

  • Verified · Its sources say this.

    Applicants without a study offer could still apply for BKNS 2026 and update their application once they received an offer.

    Sources:[19]

  • Verified · Its sources say this.

    Yayasan Sabah offered dermasiswa, scholarships and loans for certificate to PhD study for the 2026 session, and its online application deadline was extended to 21 May 2026.

    Sources:[21][19]

  • Verified · Its sources say this.

    Yayasan Sabah says its tertiary scholarships and loans are based on academic results and parents' income, with priority to applicants from and living in Sabah.

    Sources:[20]

  • Verified · Its sources say this.

    The Premier of Sarawak announced that all Sarawakian students in state-owned universities will receive free education under FTES from 2026, covering 64 undergraduate degree programmes, open to eligible students regardless of family income.

    Sources:[6]

  • Verified · Its sources say this.

    Sarawak's education minister said FTES applies to four universities in Sarawak and focuses on 64 selected courses, particularly science and technology.

    Sources:[22]

  • Verified · Its sources say this.

    Swinburne Sarawak, a participating FTES university, says eligible students who wish to be considered for FTES must apply online.

    Sources:[23]

  • Verified · Its sources say this.

    Yayasan Sarawak's domestic study loan is for anak jati Sarawak (at least one parent Sarawakian) at diploma or degree level at a public university entered through UPU or at five listed Sarawak Government-owned private institutions (Curtin Miri, Swinburne Kuching, UTS Sibu, Kolej Laila Taib, i-CATS).

    Sources:[24]

  • Verified · Its sources say this.

    Yayasan Sarawak's domestic study loan needs at least a C in SPM Bahasa Melayu, no other sponsorship and two guarantors in permanent work; it is open all year, and repayment starts 12 months after study ends.

    Sources:[24]

  • Verified · Its sources say this.

    Yayasan Sarawak's technical training loan funds fees up to RM10,000 a year at its panel skills institutions, for ages 16 to 30.

    Sources:[24]

  • Verified · Its sources say this.

    Yayasan Sarawak's BYSTT and YBSTAR scholarships open once a year by advertisement and need a CGPA of 3.00 or above after STPM, matriculation, foundation or a diploma.

    Sources:[25]

  • Verified · Its sources say this.

    Yayasan Selangor's study loan is for full-time diploma or degree study at a government-recognised local public or private institution.

    Sources:[1]

  • Verified · Its sources say this.

    Yayasan Selangor applicants (or a parent) must be born in Selangor, or born in Kuala Lumpur before 1 February 1974, or the applicant must have lived in Selangor more than 10 years (confirmed by an ADUN, penghulu, JKKK chair or ketua kampung).

    Sources:[1]

  • Verified · Its sources say this.

    Yayasan Selangor requires household income per person (parents' income divided by dependants) under RM3,000 a month and excludes students already sponsored by PTPTN, JPA, MARA or similar.

    Sources:[1][26]

  • Verified · Its sources say this.

    Yayasan Selangor's FAQ lists maximum yearly loan amounts of RM8,000 for a diploma and RM10,000 for a bachelor's degree, with a combined limit of RM50,000 if a YS borrower continues from diploma to degree.

    Sources:[26]

  • Verified · Its sources say this.

    Yayasan Selangor loan applications can be made only when the offer is advertised on its website, and only shortlisted applicants are interviewed.

    Sources:[1][26]

  • Verified · Its sources say this.

    Yayasan Selangor states that its loan is separate from the study loan offered by the Selangor State Secretary's office.

    Sources:[26]

  • Verified · Its sources say this.

    Yayasan Terengganu offers scholarships, loans and education aid to anak Terengganu, focusing on B40 students and those without major sponsorship such as PTPTN, JPA or MARA.

    Sources:[27]

  • Verified · Its sources say this.

    Yayasan Terengganu's schemes include the Skim Pelajar Cemerlang (foundation and first degree, in Malaysia or abroad) and convertible-loan schemes (Skim Pinjaman Boleh Ubah), including special diploma programmes at public universities in fields such as AI, data science, law and pharmacy.

    Sources:[27][28]

  • Verified · Its sources say this.

    On 23 October 2026 Yayasan Terengganu's sponsorship page said no applications were open, and schemes are applied for through the YTPENAJAAN system.

    Sources:[28]

  • Verified · Its sources say this.

    Yayasan Wilayah Persekutuan's homepage lists a 'Skim Bantuan Awal IPT', while its education page for 2026 describes school aid (Bantuan Khas Persekolahan 2026), the PREPKOM centre and SPM tuition.

    Sources:[29][30]

  • Verified · Its sources say this.

    MAIWP's 2026 Biasiswa Insentif Khas Pelajar Cemerlang for degree study in Egypt and Jordan took applications from 20 May to 19 June 2026, for Muslim Malaysian citizens living in the Federal Territories at least one year, with no other sponsor and subject to a had kifayah means test.

    Sources:[31]

Sources

Numbers in the text, like [1], jump here.

  1. [1]
    Yayasan SelangorPinjaman Pelajaran (opens in a new tab)Checked 23 Oct 2026
  2. [2]
    Seksyen Pembiayaan Pendidikan Negeri Kedah (SPPNK)Tawaran Pembiayaan Pendidikan (iPINJAM) Tahun 2026, Sesi Pengajian 2026/2027 (opens in a new tab)Checked 23 Oct 2026
  3. [3]
    Kerajaan Negeri Pulau PinangSyarat-Syarat Pinjaman (ePPN) (opens in a new tab)Checked 23 Oct 2026
  4. [4]
    Yayasan Pelajaran Johor (YPJ)Pinjaman Pelajaran Dalam Negara (opens in a new tab)Checked 23 Oct 2026
  5. [5]
    Kerajaan Negeri Pulau PinangSoalan Lazim (ePPN) (opens in a new tab)Checked 23 Oct 2026
  6. [6]
    Unit Komunikasi Awam Sarawak (UKAS), Sarawak GovernmentSarawak To Strengthen Human Capital Via Free Tertiary Education Scheme From 2026 (opens in a new tab)Published 24 Dec 2025 · Checked 23 Oct 2026
  7. [7]
    Yayasan Pelajaran Johor (YPJ)Skim Bantuan Pendaftaran (opens in a new tab)Checked 23 Oct 2026
  8. [8]
    Yayasan Pelajaran Johor (YPJ)Biasiswa Orang Muda Johor (opens in a new tab)Checked 23 Oct 2026
  9. [9]
    Yayasan Pelajaran Johor (YPJ)Insentif Mahasiswa Anak Johor (IMAJ) (opens in a new tab)Checked 23 Oct 2026
  10. [10]
    Yayasan Kelantan Darulnaim (YAKIN)Pinjaman Pelajaran (opens in a new tab)Checked 23 Oct 2026
  11. [11]
    Yayasan Kelantan Darulnaim (YAKIN)Tawaran Pinjaman Pelajaran Peringkat Ijazah Dalam Negara 2025 (opens in a new tab)Checked 23 Oct 2026
  12. [12]
    Tabung Amanah Pendidikan Negeri Melaka (TAPEM)eTAPEM: Tabung Amanah Pendidikan Negeri Melaka (opens in a new tab)Checked 23 Oct 2026
  13. [13]
    Yayasan Negeri Sembilan (YNS)Seksyen Pembiayaan Pendidikan: Permohonan Pinjaman Pendidikan (opens in a new tab)Checked 23 Oct 2026
  14. [14]
    Penang Future Foundation (Penang State Government)FAQs (opens in a new tab)Checked 23 Oct 2026
  15. [15]
    Penang Future Foundation (Penang State Government)PFF 2026 Scholarship & Eligibility (opens in a new tab)Checked 23 Oct 2026
  16. [16]
    Yayasan PerakInsentif Siswa Yayasan Perak (INSISYP) Dalam dan Luar Negara (opens in a new tab)Checked 23 Oct 2026
  17. [17]
    Kerajaan Negeri PerlisMasyarakat: Dana / Pinjaman (opens in a new tab)Checked 23 Oct 2026
  18. [18]
    Kerajaan Negeri PerlisBorang Permohonan Pinjaman Pelajaran, Lembaga Pemegang Amanah Kumpulan Wang Biasiswa Negeri Perlis (opens in a new tab)Checked 23 Oct 2026
  19. [19]
    Jabatan Perkhidmatan Awam Negeri SabahPortal Tajaan Pendidikan Sabah (PTPS) (opens in a new tab)Checked 23 Oct 2026
  20. [20]
    Yayasan Sabah GroupEducation (opens in a new tab)Checked 23 Oct 2026
  21. [21]
    Jabatan Perkhidmatan Awam Negeri SabahJenis Tajaan (opens in a new tab)Checked 23 Oct 2026
  22. [22]
    Unit Komunikasi Awam Sarawak (UKAS), Sarawak GovernmentFTES 2026 To Benefit Around 10,000 Sarawak Students, 64 Selected Courses Fully Sponsored (opens in a new tab)Published 28 Nov 2025 · Checked 23 Oct 2026
  23. [23]
    Swinburne University of Technology Sarawak CampusShaping the Future: Swinburne Sarawak Supports the Sarawak Free Tertiary Education Scheme (opens in a new tab)Checked 23 Oct 2026
  24. [24]
    Yayasan SarawakPinjaman (opens in a new tab)Checked 23 Oct 2026
  25. [25]
    Yayasan SarawakBiasiswa (opens in a new tab)Published 10 Jul 2025 · Checked 23 Oct 2026
  26. [26]
    Yayasan SelangorSoalan Lazim Permohonan Pinjaman Pelajaran Yayasan Selangor (opens in a new tab)Checked 23 Oct 2026
  27. [27]
    Yayasan TerengganuBahagian Penajaan (opens in a new tab)Checked 23 Oct 2026
  28. [28]
    Yayasan TerengganuPenajaan: Biasiswa, penajaan dan bantuan kewangan pendidikan (opens in a new tab)Checked 23 Oct 2026
  29. [29]
    Yayasan Wilayah Persekutuan (YWP)Portal Rasmi Yayasan Wilayah Persekutuan (opens in a new tab)Checked 23 Oct 2026
  30. [30]
    Yayasan Wilayah Persekutuan (YWP)Pendidikan (opens in a new tab)Checked 23 Oct 2026
  31. [31]
    Majlis Agama Islam Wilayah Persekutuan (MAIWP)Tawaran Biasiswa Insentif Khas Pelajar Cemerlang MAIWP (Mesir/Jordan) Tahun 2026 (opens in a new tab)Checked 23 Oct 2026
Explore the programmeCheck dates and places