PTPTN

What is PTPTN?
PTPTN = Perbadanan Tabung Pendidikan Tinggi Nasional

From Wikipedia:
Better known as PTPTN (English: National Higher Education Fund Corporation), this agency provides education loans as a form of financial assistance to students with financial needs in order to aid them in pursuing a higher education. PTPTN also manages a students savings scheme for higher education purposes.

My input:
You don't need PTPTN to study Medicine in Malaysia or overseas. Students get Jabatan Perkhidmatan Awam (JPA) Scholarship some time late in their first year Medicine. So most students are on Pa-Ma $ for the first few months until they get the scholarship and the hard cash. However, parents should be reminded that students often use the $ to purchase handphones first before they decide to buy medical textbooks. Teach students to save their scholarship for rainy days. Who knows, savings may come in handy some day. My reminder to new students, keep your old handphones if you already have them. Use your scholarship money to buy textbooks or practice books for revision.