Everyone is charged the admin fee. It used to be 4%, then I think they brought it down to 3% but now you can reduce it to 1% if you sign up for auto-deduct your salary through your employer.

But it's just a matter of wordplay. What they are charging you is very simple: it's INTEREST. Like any loan. At even 3%, your ptptn loan interest is higher than many new car loans which are at times only 2.3-2.9%. 

PTPTN is a loan, just like how banks offer loans. Whether you like it or not, if you don't want to draw a debt, then don't overpay for your degrees.

PTPTN are for underprivileged people?[ More like middle class/almost rich people wanting to "purchase" a degree from overpriced colleges/universities.[/]

I've seen many kids using PTPTN money to buy iPhones, Samsung S4 and etc. In fact, many kids are using PTPTN for their hobbies rather than education.

Most underprivileged people I know went through Form 6/matriculation or get sponsors from scholarships, get a spot in local unis and did not whine when they draw and repay PTPTN.

The issue of you donating to rich or poor does not matter, it's the act that matters. How could you say donating money to different people is different, when the act of donating is the same?

Conclusion is, if one does not want to be burdened by PTPTN, then don't draw it. Nobody's forcing you to take the loan, it's an option.

The issue with interest would disappear, if everyone start paying their dues of the loans drawn by themselves.