For IPTS: Have you ensured that the courses and institutions you pursue have obtained Accreditation Certificate from the Malaysian Qualifications Agency? Selain itu kita boleh lunaskan hutang PTPTN melalui platform yang disediakan oleh pihak kerajaan.
However, you must be furthering your studies to a higher level from your previous loan tenure.
You are on your own after that, but you can apply for scholarship or other private education loans.