Loans & Incentives
Students should check out the following financial assistance offered by various agencies and institutions to support their study at WOU.
Part-Time Studies
National Higher Education Fund / PTPTN
WOU Undergraduate Programmes qualify for PTPTN loans. Log-in to www.ptptn.gov.my for further details. Please contact your Regional Centre for assistance and advice.
Employees Provident Fund (EPF)
EPF contributors can withdraw from their EPF Account II to support their studies. To apply, please obtain the Borang KWSP 9H (AHL) from the nearest EPF office and liaise with your nearest Regional Centre to obtain the relevant supporting letters from WOU.
Note: WOU only charges fees on a per semester basis. Any excess EPF funds parked with WOU will not be construed as advance payment for tuition fee and is not interest bearing.
0% easy payment system
WOU tuition fees qualify for a 6 month 0% easy payment scheme when you pay using a Maybank or Public Bank credit card. For further information, please contact your nearest Regional Centre.
Bank Loans
Certain banks may provide study loans. Please check with your respective bank for further details.
Full-Time Studies
Employees Provident Fund (EPF)
EPF contributors can withdraw from their EPF Account II to support their studies.
To apply, please obtain the Borang KWSP 9H (AHL) from the nearest EPF office and liaise with your nearest Regional Centre to obtain the relevant supporting letters from WOU.
Note: WOU only charges fees on a per semester basis. Any excess EPF funds parked with WOU will not be construed as advance payment for tuition fee and is not interest bearing.
Instalment Plans
Instalment payment plans are available in special circumstances. Please consult your nearest Regional Centre for further details.
0% easy payment system
WOU tuition fees qualify for a 6 month 0% easy payment scheme when you pay using a Maybank or Public Bank credit card. For further details, please contact your nearest Regional Centre.
Bank Loans
Certain banks may provide study loans. Please check with your respective bank for further details.
Penang State Government Education Loan
The Penang State Government Education Loan was established to provide education loans to Malaysian citizens who were born or receive part of their education in Penang. The criteria for application are:
- Must be born in Penang or have at least studied in a Penang-based school for five years.
- Must have received an offer to study at a local public education institution, or a private one that has been approved by the Malaysian Qualifications Agency.
- Must not be already sponsored by another entity.
- Application has to be made via online.
For more details, please visit www.epp.penang.gov.my.
Friends and Family Programme
Expanding WOU community with WOU community introducing friends and family.
You can now get rewarded for each friend or family member that you introduce to WOU. The more friends or family you introduce, the more you will earn!
Click to download the F&F Ambassador Form.
Who is eligible for this programme?
Applicable to all WOU students, alumni, tutors, part-time lecturers, staff* and WOU approved NGOs partners.
*Regional Centre staff, Marketing and Senior Management from Chancellery are not eligible.
What are the incentives/rewards to be given under this programme?
Individual rewards in the form of cash per friend/family introduced who registered as new enrolment only (see below).
For the Ambassadors
Individual rewards in the form of cash (see table below) per friend/family introduced who registered as new enrolment only.
ODL (Full Time & Part Time Studies) Programme Level | F&F Reward for referrals by Student /Staff / Tutor / Part Time Lecturer / Selected NGO | F&F Reward for referrals by Alumni |
Diploma Studies | RM150 per referral | RM200 per referral |
Undergraduate Studies (GC/GD/Degree/PostGrad Dip) | RM200 per referral | RM250 per referral |
Postgraduate Studies (Master & Doctorate Studies) | RM300 per referral | RM400 per referral |
Micro-Credentials with minimum 2 Courses | RM100 per referral | RM100 per referral |
For the Referred Friend/Family
The referred friend/family shall receive RM100 in the form of fee rebate for all programme levels in the immediate second term.
Enjoy up to RM400 cash reward for every student referral.