Cmon la...ptptn gives lots of people especially the poor to enter university and increase their level of education. Yes its a loan but better than nothing. If you take the loan then pay back please. Dont even think of buying other stuffs like iphone or gadgets and thwn give excuses no money to pay back. Thats not fair to those who pay. And if you dont want to pay then study harder and get first class. That wayayou'll be exempted from paying as it'll be changed to scholarship. I know it's unfair for those before year 2010 though. Anyways pay up as there are others who need the money more.