ahli_fasa-kehidupan_pengeluaran-pendidikan.md

Education Withdrawal - KWSP Malaysia






























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## Education Withdrawal

![](/documents/d/guest/banner-member-life-education-webp?download=true)

## Breadcrumb




1. [Member](https://www.kwsp.gov.my/en/member)
2. [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
3. Education Withdrawal







#### Education Withdrawal

Finance Your Higher Education







Quality education is essential for career stability and a better life for you and your family. You can choose to withdraw savings from your Akaun Sejahtera to help fund education for yourself, your spouse, children, and/or parents at approved institutions, both locally and abroad.





What You Can Withdraw

Total tuition fees/outstanding education loan OR entire savings in Akaun Sejahtera (whichever is lower)











What's Covered


![icon card](/documents/20119/44044/MyIdaman%20Icons-5.png/fd3f74f8-8977-9ae3-6c88-1cdf1a47e48c?download=true)

Tuition fees and charges imposed by the higher learning institution OR outstanding loan amount

For Certificate Level 3, withdrawal eligibility only applies to tuition fees subject to the total savings balance in Akaun Sejahtera



![icon card](/documents/20119/44044/MyIdaman%20Icons-3.png/1cee710b-19d9-cf8a-5976-e9f26a1903c7?download=true)

Hostel & accommodation Fees




![icon card](/documents/20119/44044/MyIdaman%20Icons-2.png/9f01e43d-5146-12eb-2f6d-7a0b963508dc?download=true)

One-way flight for first-year students studying outstation/ abroad










Who Can Apply


![icon card](/documents/20119/44050/Warganegara.png/eade32b3-4bb4-885b-adba-5cfaa8aaf8d8?download=true)

Malaysians & Non-Malaysians




![icon card](/documents/20119/44056/Age%20below%2055.png/f483adce-f195-9b00-187a-03c3eea0e5c8?download=true)

Below 55 years of age




![icon card](/documents/20119/44050/Account%202.png/2583fa68-6514-92d2-4536-4bf129336eb4?download=true)

Have savings in Akaun Sejahtera




![icon card](/documents/20119/44044/MyIdaman%20Icons.png/c1f6c919-6603-fbf1-90be-19e5ea7d369e?download=true)

Currently pursuing or has completed – Certificate Level 3, diploma or higher

(academic/ professional/ skill-based/ vocational study)



![icon card](/documents/20119/44044/MyIdaman%20Icons-4.png/e241bcc1-8fa5-2815-280f-1304bf589f77?download=true)

Studying at local institutions

(full-time, part-time, distance learning and franchise programmes)



![icon card](/documents/20119/44044/MyIdaman%20Icons-2.png/9f01e43d-5146-12eb-2f6d-7a0b963508dc?download=true)

Institutions abroad

(full-time programmes)



![icon card](/documents/20119/44044/Documents.png/0f13b334-ed59-de0a-cf71-7cd978d89a60?download=true)

Do not receive any sponsorship/ loan for education OR only receive partial sponsorship/ loan for education

(full sponsorship/ loan are not eligible for education withdrawal)



![icon card](/documents/20119/44044/MyIdaman%20Icons-8.png/88bc2d8e-4cf3-005f-3223-906ac14efc8c?download=true)

Member/ Member’s children/ Spouse/ Parents who quit/ failed/ did not graduate/ withdrawn from approved education institution

\*to pay for all overdue payment fully to higher learning institutions within 3 years starting from the termination of education; and settle remaining education loan with loan provider institutions








* Tuition Fees
* Study Loan

Categories

* Withdrawal to finance your tuition fees




* Withdrawal to finance your children/ spouse/ parents’ tuition fees




* Joint withdrawal with your spouse to finance your children’s tuition fees




* Joint withdrawal with your spouse to finance your spouse’s tuition fees









## When You Can Withdraw




When You Can Withdraw

![icon card](/documents/20119/44044/MyIdaman%20Icons-1.png/ae2f22cb-ec7f-e84d-1874-05dd7b68758e?t=1701084714987&download=true)

Every semester or academic year




![icon card](/documents/20119/44044/MyIdaman%20Icons-6.png/2396bde6-90b3-217f-8e9f-2ef045746530?t=1701084713680&download=true)

Within three (3) years from the course end/ quit/ failed date for outstanding payments to be settled with the higher learning institution 









![icon card](/documents/20119/44044/MyIdaman%20Icons-1.png/ae2f22cb-ec7f-e84d-1874-05dd7b68758e?download=true)

Every semester or academic year









![icon card](/documents/20119/44044/MyIdaman%20Icons-6.png/2396bde6-90b3-217f-8e9f-2ef045746530?download=true)

Within three (3) years from the course end/ quit/ failed date for outstanding payments to be settled with the higher learning institution 











## Payment Options



Payment to member

If fees have been paid to higher learning institution (with condition that the receipt does not exceed one (1) year from application date)






#### Payment to higher learning institution

To settle outstanding tuition fees








## What You Need




* MyKad OR original identification document





* Payment receipt of tuition fee from IPT and




* [Form KWSP 3 (Pindaan)](/documents/20119/44767/KWSP_3_Pindaan.pdf/f9d9190d-9bfc-a4f7-d617-4408d1873245?t=1704456387715&preview) – for mail submissions/ failed thumbprint verification




* Student's enrolment confirmation letter




* Reimbursement of flight ticket (Eligible for one way ticket for IPT student during first year student registration only)




* Proof of relationship (If the applicant is not a student)






* Course recognition or accreditation letter








*Note: [Form KWSP 9H (AHL)](/documents/d/guest/form_kwsp_9h_ahl_bm) & copy of identification documents/ MyKad is required for submission via mail or representative.*








#### Supporting Documents Required For Member Or Member’s Children/ Spouse/ Parents’ Education Withdrawal




The required supporting documents for member, child, spouse, or parent may vary for the first and second withdrawal. So, it's necessary to submit all the required supporting documents to ensure a smooth application process.





#### • Self




## Education Withdrawal - Self




### 1st Time Withdrawal


![back chevron](/documents/d/guest/more-1)


1. Proof of Acceptance  
    Course offer letter  
    **AND**  
    Proof of qualification to enroll in the course

---

2. Proof of Study  
    Copy of the latest examination result (second year onwards)

---

3. Proof of Payment\*  
    Tuition fees payment receipt  
    **AND**  
    Flight ticket/ original payment receipt

\*For refund application if tuition fees have already been paid to the higher learning institution

---

4. Additional Documents  
    Interview form  
    **AND**  
    Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details\*

\*For refund application if tuition fees have already been paid to the higher learning institution

---

5. Additional Documents for International Studies  
    Copy of page in a valid passport where student's details appear  
    **AND**  
    **If Member has already gone abroad**  
    Page in passport which contains the date and stamp of the Immigration Department from the relevant country/ payment of tuition fees/ student visa/ examination results  
      
    **OR**  
      
    **If Member has not gone abroad**  
    Proof of payment to the international higher learning institution

---



### Subsequent Withdrawal


![back chevron](/documents/d/guest/more-1)


1. Proof of Study  
    Copy of the latest examination result

---

2. Proof of Payment\*  
    Tuition fees payment receipt

\*For refund application if tuition fees have already been paid to the higher learning institution

---

3. Additional Documents  
    Bank passbook/ Savings account statement/Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details\*

\*For refund application if tuition fees have already been paid to the higher learning institution


---















## Education Withdrawal - Self




### 1st Time Withdrawal


![back chevron](/documents/d/guest/more-1)


1. Proof of Acceptance  
    Course offer letter  
    **AND**  
    Proof of qualification to enroll in the course

---

2. Proof of Study  
    Copy of the latest examination result (second year onwards)

---

3. Proof of Payment\*  
    Tuition fees payment receipt  
    **AND**  
    Flight ticket/ original payment receipt

\*For refund application if tuition fees have already been paid to the higher learning institution

---

4. Additional Documents  
    Interview form  
    **AND**  
    Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details\*

\*For refund application if tuition fees have already been paid to the higher learning institution

---

5. Additional Documents for International Studies  
    Copy of page in a valid passport where student's details appear  
    **AND**  
    **If Member has already gone abroad**  
    Page in passport which contains the date and stamp of the Immigration Department from the relevant country/ payment of tuition fees/ student visa/ examination results  
      
    **OR**  
      
    **If Member has not gone abroad**  
    Proof of payment to the international higher learning institution


### Subsequent Withdrawal


![back chevron](/documents/d/guest/more-1)


1. Proof of Study  
    Copy of the latest examination result

---

2. Proof of Payment\*  
    Tuition fees payment receipt

\*For refund application if tuition fees have already been paid to the higher learning institution

---

3. Additional Documents  
    Bank passbook/ Savings account statement/Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details\*

\*For refund application if tuition fees have already been paid to the higher learning institution




 View More 
























#### • Member's Children




Application for children can be made by an individual and/ or through a joint application (parents)





#### • Member's Spouse




Application for spouse can be made by an individual and/or through a joint application



#### • Member's Spouse




#### • Member's Parents




## Education Withdrawal - Parents




### 1st Time Withdrawal


![back chevron](/documents/d/guest/more-1)


1. Proof of Acceptance  
    Course offer letter  
    **AND**  
    Proof of qualification to enrol in the course

---

2. Proof of Study  
    Copy of the latest examination result (second year onwards)

---

3. Proof of Payment\*  
    Tuition fees payment receipt  
    **AND**  
    Flight ticket/ original payment receipt

\*For refund application if tuition fees have already been paid to the higher learning institution

---

4. Additional Documents  
    Interview form  
    **AND**  
    Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details\*

\*For refund application if tuition fees have already been paid to the higher learning institution

---

5. Proof of Relationship  
    i. Children  
    Child's Identification Card  
    **AND**  
    Child’s Birth Certificate/ Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children)  
    ii. Spouse  
    Marriage Certificate   
    iii. Parents  
    Member’s Birth Certificate **AND/ OR** Parents’ Marriage Certificate (for stepchildren) **OR**Adoption Certificate from National Registration Department (for adopted children)

---

6. Additional Documents for international studies  
    Copy of page in a valid passport where student's details appear  
    **AND**
7. **If Member's child has already gone abroad**  
    Page in passport which contains the date and stamp of the Immigration Department from the relevant country/ payment of tuition fees/ student visa/ examination results  
      
    **OR**  
      
    **If Member's child has not gone abroad**  
    Proof of payment to the international institute of higher learning

---



### Subsequent Withdrawal


![back chevron](/documents/d/guest/more-1)


1. **Proof of Study**  
    Copy of the latest examination result

---

2. **Proof of Payment\***  
    Tuition fees payment receipt

\*For refund application if tuition fees have already been paid to the higher learning institution

---

3. **Additional Documents**  
    Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details\*

\*For refund application if tuition fees have already been paid to the higher learning institution


---















#### • Member's Parents




## Education Withdrawal - Parents




### 1st Time Withdrawal


![back chevron](/documents/d/guest/more-1)


1. Proof of Acceptance  
    Course offer letter  
    **AND**  
    Proof of qualification to enrol in the course

---

2. Proof of Study  
    Copy of the latest examination result (second year onwards)

---

3. Proof of Payment\*  
    Tuition fees payment receipt  
    **AND**  
    Flight ticket/ original payment receipt

\*For refund application if tuition fees have already been paid to the higher learning institution

---

4. Additional Documents  
    Interview form  
    **AND**  
    Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details\*

\*For refund application if tuition fees have already been paid to the higher learning institution

---

5. Proof of Relationship  
    i. Children  
    Child's Identification Card  
    **AND**  
    Child’s Birth Certificate/ Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children)  
    ii. Spouse  
    Marriage Certificate   
    iii. Parents  
    Member’s Birth Certificate **AND/ OR** Parents’ Marriage Certificate (for stepchildren) **OR**Adoption Certificate from National Registration Department (for adopted children)

---

6. Additional Documents for international studies  
    Copy of page in a valid passport where student's details appear  
    **AND**
7. **If Member's child has already gone abroad**  
    Page in passport which contains the date and stamp of the Immigration Department from the relevant country/ payment of tuition fees/ student visa/ examination results  
      
    **OR**  
      
    **If Member's child has not gone abroad**  
    Proof of payment to the international institute of higher learning


### Subsequent Withdrawal


![back chevron](/documents/d/guest/more-1)


1. **Proof of Study**  
    Copy of the latest examination result

---

2. **Proof of Payment\***  
    Tuition fees payment receipt

\*For refund application if tuition fees have already been paid to the higher learning institution

---

3. **Additional Documents**  
    Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details\*

\*For refund application if tuition fees have already been paid to the higher learning institution




 View More 


































Categories

* Withdrawal to finance your outstanding education loan




* Withdrawal to finance your children’s outstanding education loan




* Withdrawal to finance your spouse or parents’ outstanding education loan








## When You Can Withdraw




* Every semester or academic year





* You have outstanding student loans








## Approved Loan Provider Institutions




## Approved Loan Provider Institutions




### Financial Institution


![back chevron](/documents/d/guest/more-1)


Financial Institution Licensed Under The Financial Services Act 2013, Specially Offering Loans for Education


---



### Lending Institutions Under Ministries/ Departments/ Statutory Bodies


![back chevron](/documents/d/guest/more-1)


* Majlis Amanah Rakyat (MARA)
* Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN)
* Perbadanan Tabung Pembangunan Kemahiran (PTPK)
* Kementerian Pelajaran Malaysia
* Jabatan Perkhidmatan Awam (JPA)
* Lembaga Kemajuan Tanah Persekutuan (FELDA)
* Kementerian Pembangunan Luar Bandar
* Kementerian Pengajian Tinggi
* Kementerian Sumber Manusia Malaysia
* Kementerian Pendidikan Malaysia
* Jabatan Perdana Menteri Malaysia

---



### Lending Institutions Under The State Foundation


![back chevron](/documents/d/guest/more-1)


* Yayasan Wilayah Persekutuan
* Yayasan Negeri Sembilan
* Yayasan Terengganu
* Yayasan Sabah
* Yayasan Perak
* Yayasan Pahang
* Yayasan Kelantan Darul Naim (YAKIN)
* Yayasan Yayasan Biasiswa Sarawak Tunku Abdul Rahman
* Suruhanjaya Perkhidmatan Awam Negeri Sarawak (SPANS)

---



### Lending Institutions Under The State Education Foundation


![back chevron](/documents/d/guest/more-1)


* Pejabat SUK Kedah (Lembaga Biasiswa Negeri Kedah Darul Aman)
* Pejabat SUK Pulau Pinang (Lembaga Tabung Amanah Pinjaman Penuntut Negeri Pulau Pinang)
* Tabung Kumpulan Wang Biasiswa Selangor
* Tabung Amanah Negeri Melaka
* Pejabat Setiausaha Kerajaan Perak Darul Ridzuan

---



### Lending Institutions Under Foundation


![back chevron](/documents/d/guest/more-1)


* Yayasan Bank Rakyat (YBR)
* Yayasan Biasiswa Tun Sambathan
* Yayasan Peneraju Pendidikan Bumiputera
* Yayasan Telekom Malaysia/Telekom Malaysia Berhad
* Yayasan Tenaga Nasional

---



### Cooperative Registered With The SKM\*


![back chevron](/documents/d/guest/more-1)


* Koperasi Anak Sains Mara Berhad (ASMARA)
* Koperasi Jayadiri Malaysia Berhad (KOJADI)
* Koperasi NLFCS Berhad

*\*Suruhanjaya Koperasi Malaysia specifically offers loans for education*


---



### Education Loans Between Employers & Employees


![back chevron](/documents/d/guest/more-1)


Education loan between employer and employee (student) to finance employee studies (student) only.


---



### Others


![back chevron](/documents/d/guest/more-1)


* Maju Institute Of Education Development (MIED)
* PETRONAS
* PERKESO

---





















## Payment Option



#### **Payment to approved financial institutions**

* If you have taken a loan from a financial institution approved by the EPF
* If you have a Study Loan Agreement in your name/your child's name







## What You Need




* MyKad OR Original Identification Document





* Study loan agreement in the Member's name OR Study loan agreement in the children/spouse/parents’ name –(needed for self agreement loan with the employer)





* [Form KWSP 3 (Pindaan)](/documents/20119/44767/KWSP_3_Pindaan.pdf/f9d9190d-9bfc-a4f7-d617-4408d1873245?t=1704456387715&preview) – for mail submissions/failed thumbprint verification
* Latest loan balance statement
* Proof of relationship (If the applicant is not a student)






*Note: [Form KWSP 9H (AHL)](/documents/d/guest/form_kwsp_9h_ahl_bm) & Copy of identification documents/MyKad is required for submission via mail or representative.*






#### Supporting documents required for Member or Member’s children/spouse/parents’ education withdrawal




The required supporting documents may vary for the first and second withdrawal. So, it is necessary to submit all required supporting documents to ensure a smooth application process.





#### Self




## Study Loan\_Self




### 1st Time Withdrawal


![back chevron](/documents/d/guest/more-1)


**Member is still studying**

1. Proof of Acceptance  
    Student's original enrolment confirmation letter  
    **AND**  
    Proof of qualification to enrol in the course  
    **AND**  
    Course recognition or accreditation letter

---

2. Proof of Study  
    Copy of the latest examination result (2nd year onwards)

---

3. Proof of Loan Application  
    Study loan agreement in the Member's name  
    **AND**  
    Latest loan balance statement

---

4. Additional Documents  
    Interview form  
    **AND**  
    If the financial institution providing the loan is a co-operative  
    **AND** If the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/agreement/offer letter  
    Letter of explanation from the higher learning institutions

---

Member has completed study

1. Proof of Loan Application  
    Study loan agreement in the Member's name  
    **AND**  
    Latest loan balance statement

2. Additional Documents  
    If the financial institution providing the loan is a co-operative Cooperative registration certificate  
    **AND**  
    If the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/agreement/offer letter  
    Letter of explanation from the higher learning institutions

---



### Subsequent Withdrawal


![back chevron](/documents/d/guest/more-1)


**Member is still studying**

1. Proof of Acceptance  
    Student's original enrolment confirmation letter  
    **AND**  
    Course recognition or accreditation letter

---

2. Proof of Study  
    Copy of the latest examination result

---

3. Loan Balance Statement  
    Latest loan balance statement

**Member has completed study**

1. Proof of Study  
    Copy of the latest examination result

---

2. Loan Balance Statement  
    Latest loan balance statement

---



















#### Member's Children/Spouse/Parents



## Study Loan\_Member's Children/Spouse/Parents




### 1st Time Withdrawal


![back chevron](/documents/d/guest/more-1)


**Member's children/spouse/parents who are currently studying**

1. Proof of Acceptance  
    Student's original enrolment confirmation letter  
    **AND**  
    Proof of qualification to enrol in the course  
    **AND**  
    Course recognition or accreditation letter

---

2. Proof of Study  
    Copy of the latest examination result

---

3. Proof of Loan Application  
    Study loan agreement in the children/ spouse/ parents’ name  
    **AND**  
    Latest loan balance statement

---

4. Additional Documents  
    Interview form  
    **AND** If the financial institution providing the loan is a co-operative  
    Cooperative registration certificate  
    **AND** If the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/ agreement/ offer letter  
    Letter of explanation from the higher learning institutions

---

5. Proof of Relationship  
    i. Children  
    Child's Identification Card  
    **AND**  
    Child’s Birth Certificate/ Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children)  
    ii. Spouse  
    Marriage Certificate   
    iii. Parents  
    Member’s Birth Certificate **AND/ OR** Parents’ Marriage Certificate (for stepchildren) **OR** Adoption Certificate from National Registration Department (for adopted children)

**Member's children/spouse/parents who have completed studies**

1. Proof of Loan Application  
    Study loan agreement in the Member's child's/ spouse/ parents' name  
    **AND**  
    Latest loan balance statement

---

2. Additional Documents  
    If the financial institution providing the loan is a co-operative  
    Cooperative registration certificate  
    **AND**  
    If the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/agreement/offer letter  
    Letter of explanation from the higher learning institutions

---

3. Proof of Relationship  
    i. Children  
    Child's Identification Card  
    **AND**  
    Child’s Birth Certificate/Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children)  
    ii. Spouse  
    Marriage Certificate   
    iii. Parents  
    Member’s Birth Certificate **AND/ OR** Parents’ Marriage Certificate (for stepchildren) **OR** Adoption Certificate from National Registration Department (for adopted children)


---



### Subsequent Withdrawal


![back chevron](/documents/d/guest/more-1)


**Member's children/ spouse/ parents who are currently studying**

1. Proof of Acceptance  
    Student's original enrolment confirmation letter  
    **AND**  
    Course recognition or accreditation letter

---

2. Proof of Study  
    Copy of the latest examination result

---

3. Loan Balance Statement  
    Latest loan balance statement

**Member's children/ spouse/ parents who have completed studies**

Loan Balance Statement  
 Latest loan balance statement


---



































#### References




* [Professional/ Skill-Based Courses List](/documents/d/guest/lampiran-b-kursus-profesional-kemahiran-off-shore-yang-diluluskan-tidak-diluluskan_15092023)
* [Education Loan Balance Statement Format](/documents/d/guest/contoh_format_penyata_baki_pinjaman_pendidikanv022017_26072017_edit-2?preview)
* [Confirmation Letter Format](/documents/d/guest/contoh_format_surat_pengesahan_pendaftaran_pelajar_dari_iptv01_07_2017_20-07-2017?preview)
* [Higher Learning Institution List](/documents/d/guest/lampiran-a_senarai-ipta-ipts_22012024)
* [Overseas Higher Learning Institutions List](/documents/d/guest/senarai_institusi_pengajian_tinggi_luar_negara?preview)





#### Withdrawal Channels





* Withdraw via [i-Akaun (Member)](https://iakaun.kwsp.gov.my/portal/member/login)
* Apply for [Manual Withdrawal](/documents/d/guest/form_kwsp_9h_ahl_bm)
* View [e-Pengeluaran Strategic Partner](/corporate/panel-institutions)










Additional Information

## Education Withdrawal - More Info Accordion




### Payment Methods


![back chevron](/documents/d/guest/more-1)


Local Payments

* Full payment in Ringgit Malaysia (RM) will be credited to your account  
   *If you hold an active account with our panel bank and your identification number matches the bank records*
* You will be issued a Bankers Cheque  
   *If payment to your account is unsuccessful*

---

| International Payments   * Full payment will be made via Foreign Demand Draft in the currency of your choice *If your preferred currency is included in our list of approved currencies* * Full payment will be made via Foreign Demand Draft in US Dollars *If your preferred currency is not available on our approved list* |
| --- |


---



### Important Reminder


![back chevron](/documents/d/guest/more-1)


1. **Certify your documents**  
    Ensure ALL copies of documents have been certified and acknowledged by the authorised persons.  
    (complete with name, designation and official stamp except for copies of documents which require certification by an EPF officer)
   
   [Authorised Persons](/corporate/panel-institutions)
2. **Double check your panel banks**  
    Refer to the list of EPF panel banks for direct crediting of payment into member’s account.
   
   [EPF Panel Banks](/corporate/panel-institutions)
3. **Submit to EPF**  
    Send your completed submissions at your nearest EPF Counter or mail it to the EPF.
   
   [Find EPF Near You](/corporate/connect-with-us) 
   
   **Post to EPF:**  
      
    JABATAN PENGURUSAN TRANSAKSI  
    Menara KWSP   
    No.1 Persiaran Kwasa Utama,  
    Kwasa Damansara, Seksyen U4,  
    40150 Shah Alam,  
    Selangor.
4. **Need more information?**  
    Refer to our product brochure for additional information.
   
   [Download Education Withdrawal Brochure](/documents/d/guest/bm_pengeluaran-pendidikan_29112021)

---





















Frequently Asked Questions
 View

Frequently Asked Question


## Education Withdrawal - FAQ




### How frequent can member's make a withdrawal?


![back chevron](/documents/d/guest/more-1)


Members are allowed to make a withdrawal anytime as long as there is sufficient balance in their Akaun Sejahtera (subject to withdrawal terms).


---



### What is the total amount allowed for withdrawal?


![back chevron](/documents/d/guest/more-1)


The total tuition fees or the balance in your Akaun Sejahtera, whichever is lower.


---



### Why is thumbprint verification necessary?


![back chevron](/documents/d/guest/more-1)


Members need to be present at the EPF counter and verify their thumbprint as proof of identity as a member and applicant.


---



### What happens if a member does not provide thumbprint verification?


![back chevron](/documents/d/guest/more-1)


Members are given 14 days to verify their thumbprint, failing which the application will be rejected.


---



### Does the member need to produce any document for thumbprint verification at the EPF counter?


![back chevron](/documents/d/guest/more-1)


* Original identification card (MyKad/MyPR/Police ID/Military ID) for member‘s identity verification
* Supporting documents – members' will be notified of any additional documents through i-Akaun secured inbox.

---



### Where can members perform the thumbprint verification and submit the supporting documents?


![back chevron](/documents/d/guest/more-1)


Members can perform a thumbprint verification and submit the supporting documents at any EPF offices or at Self-Service Terminal (SST) for any application without document.


---



### What are the forms and documents required when submitting an application at the EPF counter?


![back chevron](/documents/d/guest/more-1)


The forms and documents that need to be submitted by members during the submission of application at the counter are as per existing conditions:  
   
 **Member**  
 Main document:  
 i.  Form KWSP 9H (AHL)   
   
 Supporting documents:  
 i. Education loan balance statement latest version (V1/11/2021)  
 ii. Copy of academic certificate OR Transcript of final semester examination results to proof the student has successfully completed study  
 iii. Copy of the study loan agreement (applicable for loans between employer and employee)

---

**Parents**  
 Main documents:  
 i.  Form KWSP 9H (AHL)   
 ii. Member’s child’s identification document  
   
 Supporting documents:  
 i. Proof of relation  
 ii. Education loan balance statement latest version (V1/11/2021)  
 iii. Copy of academic certificate OR Transcript of final semester examination results to proof the student has successfully completed study  
 iv. Copy of the study loan agreement (applicable for loans between employer and employee)

---



---



### How often can members make a withdrawal to reduce/settle their education loan balance?


![back chevron](/documents/d/guest/more-1)


Members can apply for this withdrawal at any time, as long as there is a remaining balance on their study loan with the education loan provide and the member still has savings in their Akaun Sejahtera.


---



### Can members pay the remaining education loan balance to the education loan provider on a monthly basis?


![back chevron](/documents/d/guest/more-1)


No, a lump sum payment is made to the education loan provider for each withdrawal application.


---



### How much can a member withdraw for payment?


![back chevron](/documents/d/guest/more-1)


The amount of payment that can be withdrawn is subject to the member’s loan balance and the balance savings in their Akaun Sejahtera, whichever is lower.


---



### Will the education loan provider have to repay any excess amount withdrawn back to the EPF in the event the member’s loan has already been settled?


![back chevron](/documents/d/guest/more-1)


The education loan provider will need to reimburse any excess amount withdrawn to the EPF is the loan has already been settled.


---



### Can members make a withdrawal to settle their education loan balance if they are still studying at the higher learning institution?


![back chevron](/documents/d/guest/more-1)


Yes, members will need to submit the documents listed in the document checklist, as well as their loan balance statement. Application submissions must be done over the counter only.


---



### What are the enhancements under EPF’s Education Withdrawal?


![back chevron](/documents/d/guest/more-1)


Education withdrawals have been expanded as follows:  
   
 i.    Withdrawal covers Certificate Level 3:  
 Withdrawal applications are extended to Certificate Level 3, subject to the list of certifications approved by the EPF; and  
   
 ii.    Withdrawal to finance/reduce education loans for spouses and/or parents:  
 Withdrawal applications are extended to finance tuition fees and/or to reduce the education loans of spouses (husband/wife) and parents (biological/adopted/step parents) for Certificate Level 3, Diploma and above.


---



### What is Certificate Level 3?


![back chevron](/documents/d/guest/more-1)


Certificate Level 3 is the Malaysian Skills Certificate (SKM) accredited by the Department of Skills Development/Jabatan Pembangunan Kemahiran (DSD/JPK), Ministry of Human Resources for skills programmes offered by public or private Training Providers or ‘Accredited Centers’.


---



### What are the objectives of expanding Education Withdrawal to include Certificate Level 3?


![back chevron](/documents/d/guest/more-1)


The objectives to expand the Education Withdrawal to include Certificate Level 3 are as follows:  
 i. To provide opportunities for more Members/students to further their education;  
 ii. To encourage upskilling and reskilling in line with the aspirations of the Industrial Revolution (IR 4.0);  
 iii. To assist related industries in producing quality workers who will contribute to economic growth and resilience in the future; and  
 iv. To enable members, spouses, children, and parents to increase their level of education, thereby allowing them to earn a higher income and enjoy a better standard of living while increasing their retirement savings in the EPF.


---



### Are Members eligible to apply for this Education Withdrawal for all Certificate Level 3 courses/programmes conducted at any Accredited Centre (AC) or Training Provider?


![back chevron](/documents/d/guest/more-1)


Currently, Members are only eligible to apply for this withdrawal for Certificate Level 3 courses/programmes offered by Accredited Centres (Pusat Bertauliah/PB) and Training Providers that are accredited by the Department of Skills Development (JPK) only.


---



### How do Members/students apply for Education Withdrawal for Certificate Level 3?


![back chevron](/documents/d/guest/more-1)


The application can be made via:  
   
 (a)    Online application through i-Akaun (Member)  
 For Members/students who receive educational funding from the Skills Development Fund Corporation (PTPK);   
   
 (b)    Manual application  
 For Members/students who do not receive funding or receive funding from organisations other than PTPK, they must submit their application at an EPF office by completing the 9H Application Form (AHL) along with supporting documents.  
 Members/students can refer to the EPF website at [www.kwsp.gov.my](https://www.kwsp.gov.my/) for more information


---



### What are the eligibility requirements for online Education Withdrawal application?


![back chevron](/documents/d/guest/more-1)


The main requirements to be eligible to apply for an Education Withdrawal are as follows:  
 i. Malaysian Citizen or Permanent Resident (PR);  
 ii. Below age 55;  
 iii. Have savings in EPF Akaun Sejahtera;  
 iv. Have education funding with PTPK.  
   
 To ensure online applications can be submitted, Members/students must:  
 i. Register and activate Member's i-Akaun at any EPF kiosk;  
 ii. Register/update mobile phone number to receive the Transaction Authorisation Code (TAC) number at any EPF office/kiosk


---



### Are members required to submit supporting documents if applications are made via i-Akaun (Member)?


![back chevron](/documents/d/guest/more-1)


Members are required to submit the supporting documents under certain circumstances by **uploading** them on i-Akaun (Member) before submitting the application.  
   
 The types of supporting documents that can be uploaded are as follows:  
 i. Proof of relationship  
 ii. Payment receipt  
 iii. Other supporting documents as required  
   
 *Note*:  
 The function to upload supporting documents in i-Akaun (Member) is applicable for applications for **Certificate Level 3 courses/programmes only.**


---



### How can members upload supporting documents through i-Akaun (Member)?


![back chevron](/documents/d/guest/more-1)


Members are required to upload supporting documents at **Step 3 of the Withdrawal Summary.**  
   
 The formats allowed for uploaded documents are as follows:  
 (a) .jpg, .jpeg or PDF format; and  
 (b) The maximum size of each document cannot exceed 256KB

*Note*:  
 Members are advised to refer to the guidelines provided to reduce the size of the document if it exceeds the maximum size limit of 256KB.


---



### What are the education costs eligible under Education Withdrawal for Certificate Level 3?


![back chevron](/documents/d/guest/more-1)


The education costs eligible for withdrawal under Certificate Level 3 are t**uition fees only.**


---



### What is the amount of withdrawal allowed under Education Withdrawal?


![back chevron](/documents/d/guest/more-1)


The withdrawal amount allowed is the total tuition fees (academic year) or the balance of the education loan subject to savings in Akaun Sejahtera (whichever is lower).

  
 For a joint withdrawal application, the amount of withdrawal allowed must not exceed the total tuition fee.


---



### Can members/students pursuing Certificate Level 3 studies claim reimbursement of tuition fees?


![back chevron](/documents/d/guest/more-1)


Yes, members/students can make reimbursement of tuition fees provided that the receipt date does not exceed one year when the application was made and is subject to the member’s Akaun Sejahtera balance.  
   
 For reimbursements in more than one receipt, the total withdrawal amount is subject to the member’s Akaun Sejahtera balance.  
   
 Payment will be credited to the member’s Savings/Current Bank Account of choice.


---



### How do Members check their application and payment status for Education Withdrawal?


![back chevron](/documents/d/guest/more-1)


Members may check their application status via:  
   
 1) i-Akaun (Member):  
 a.    i-Akaun (Member) Inbox  
 b.    Withdrawal History Menu  
   
 Members will be notified via SMS on the withdrawal payment status if payment is made via direct crediting.  
   
 For payment using banker's cheque, members will receive the notice of payment via mail to the member’s address.


---



### Will members be notified if payment is made to an Accredited Centre?


![back chevron](/documents/d/guest/more-1)


Yes, members will be notified with regards to payment made to Accredited Centre via a notice posted to the member's address.


---



### If members submit an offer letter for Certificate Level 1, 2, & 3 studies, can the withdrawal application be processed if members have only registered for Certificate Level 1?


![back chevron](/documents/d/guest/more-1)


No. Members are only eligible to apply for Education Withdrawal if the offer letter confirms that they have started studying for a Certificate Level 3 only.


---



### When is the effective date Members/students are eligible to apply for Certificate Level 3 Education Withdrawal?


![back chevron](/documents/d/guest/more-1)


Members/students are eligible to apply for Certificate Level 3 Education Withdrawal  if they register **on/or after 1st January 2020.**


---























Additional Information
 View

Frequently Asked Question


## Education Withdrawal - More Info Accordion




### Payment Methods


![back chevron](/documents/d/guest/more-1)


Local Payments

* Full payment in Ringgit Malaysia (RM) will be credited to your account  
   *If you hold an active account with our panel bank and your identification number matches the bank records*
* You will be issued a Bankers Cheque  
   *If payment to your account is unsuccessful*

---

| International Payments   * Full payment will be made via Foreign Demand Draft in the currency of your choice *If your preferred currency is included in our list of approved currencies* * Full payment will be made via Foreign Demand Draft in US Dollars *If your preferred currency is not available on our approved list* |
| --- |


---



### Important Reminder


![back chevron](/documents/d/guest/more-1)


1. **Certify your documents**  
    Ensure ALL copies of documents have been certified and acknowledged by the authorised persons.  
    (complete with name, designation and official stamp except for copies of documents which require certification by an EPF officer)
   
   [Authorised Persons](/corporate/panel-institutions)
2. **Double check your panel banks**  
    Refer to the list of EPF panel banks for direct crediting of payment into member’s account.
   
   [EPF Panel Banks](/corporate/panel-institutions)
3. **Submit to EPF**  
    Send your completed submissions at your nearest EPF Counter or mail it to the EPF.
   
   [Find EPF Near You](/corporate/connect-with-us) 
   
   **Post to EPF:**  
      
    JABATAN PENGURUSAN TRANSAKSI  
    Menara KWSP   
    No.1 Persiaran Kwasa Utama,  
    Kwasa Damansara, Seksyen U4,  
    40150 Shah Alam,  
    Selangor.
4. **Need more information?**  
    Refer to our product brochure for additional information.
   
   [Download Education Withdrawal Brochure](/documents/d/guest/bm_pengeluaran-pendidikan_29112021)

---






















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Hidden

![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
Take control on your financial future.
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![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)

Member

## Menu Display




* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)






Employer

## Menu Display




* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)






Corporate

## Menu Display




* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
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* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)






Others

## Menu Display




* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
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* [Forms](https://www.kwsp.gov.my/en/others/forms)
* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
* [Achievements](https://www.kwsp.gov.my/en/others/achievements)