I would like to ask:
My ptptn disbursement ended last year but because of some subject fails here and there which i have to repeat them, i have one more year before i can graduate.

Is there a way to ask to borrow more from ptptn?

i stopped paying the monthly installment since Jan this year, enrolled in another certification program which just finished last week
While i know my credit score is probably fcuked, is there any pros of applying for deferring of payments...than not paying till i land another job?