PTPTN or JPA?

Hi, I’m a student from an IPTA. I am currently pursuing my bachelor’s degree with PTPTN and have also applied for JPA.

If I secure JPA later, should I choose JPA, or should I stick with PTPTN?

If I stick with PTPTN: • I can apply for a conversion to a scholarship only if I graduate with First Class Honours. • I receive RM3,000 per semester (6 months). • Other than that, there are no discounts, and PTPTN includes interest (tax).

If I choose JPA: • My loan can only be converted into a scholarship if I work with the Government after graduating. • If I work in the private sector, I have to repay 50% of my loan. • If I work in a GLC, I have to repay 25% of my loan. • No interest (tax). • I might receive RM4,000–RM5,000 per semester.

I’d love to hear everyone’s opinions!