With Education=Faster Growth to Point A
Without Education=Slower Growth to Point A

In conclusion you still reach the same place, just that you take more time.
Many people succeeded without college or anything. But they went through a lot.

http://www.ptptn.gov.my/web/guest/anjung

try their website for more info.

Reason why because Utar/Ktar=semi-subsidized, So if you cant afford this u cant afford others, Even iptas are around these price.

yeah, so it actually fits more than perfectly.