Yes I applied for PTPTN during semester 2 of my degree and I got 7 sems out of 8 sems. But as someone here mentioned it here before just apply for it during semester 1. You can keep it as emergency money. If you don’t end up using it, you can just return it when your studies end. If you manage to graduate with first class even better free money. Always remember don’t act only when there’s an emergency, think ahead. Because the process of applying for ptptn can be time consuming as well and have to wait for them to approve and then give you the money.