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
Part-Time Studies
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 Programme | F&F Reward per Referral |
Diploma Studies | RM150 |
Undergraduate Studies | RM200 |
Postgraduate Studies (Master & Doctorate Studies) | RM300 |
For the Referred Friend/Family
The referred friend/family shall receive a discount of RM100 in the form of fee waiver.
Enjoy up to RM300 cash reward for every student referral.
Full-Time Studies
WOU Friends and Family Programme offers rewards for introducing new students. It is open to all registered students, WOU alumni, staff* and school counsellors.
*Regional Centre Staff, Marketing and Senior Management from Chancellery are not eligible.
Rewards are given in in the form of rebates for tuition fees (for students). WOU staff, tutors, part-time lecturers, alumni and school counsellors will receive their rewards in cash.
Ambassador Category | F&F Reward for Full-Time Undergraduate Studies | F&F Reward for Full-Time Diploma Studies |
WOU Students | RM500 per referral (in tuition fee rebate) + RM300 per referral (in cash) as Finder’s Fee | RM200 per referral (in tuition fee rebate) + RM200 per referral (in cash) as Finder’s Fee |
WOU Students (in final semester), Alumni, Tutors and Part-time Lecturers | RM800 per referral | RM380 per referral |
WOU Staff and School Counsellors | RM1000 per referral | RM380 per referral |
For the Referred Friend/Family:
The referred friend/family shall receive a discount of RM200 in the form of tuition fee waiver.
Click to download the F&F Ambassador Form.