klu xde interest camne die nak baya gaji org2 die? baya fees lawyer yg die appoint nak wat kontrak sme?

our income tax = pay the government servant including ptptn

kalau bank, lain ceritalah.

That is the problem, dear ex-JPA scholar.

Even if they pay off the principal, PTPTN will still add in the interest. It's pre-calculated no matter what.

UNless you pay off the entire amount in one go, you can never finish off the loan.

if they hav the money to pay off the entire loan amount in one go, why would they even take PTPTN anyway?

Have you not heard of various cases where they have paid more than what is required, and yet their outstanding balance are still not zero?

You are an ex-scholarship holder, how do you know the pain these PTPTN loan takers feel when they see their statement?

if there is a very good and clean system, many form 5 leavers will apply. Even the interest at it minimum , with the amount of student that apply , in long run , PTPTN will still have profit.

Problems is because the interest is way high where many students will go for other alternatives. If you look at it properlly, everyone want to study. Many people who couldn;t do well in SPM surprisingly can do well in college. Some is book smart and some is street smart. Book smart usually is those who study according to the books and when come to working life, don't know how to adapt to the situation in real working environment. While street smart need a little bit of knowledge and know how to turn and dare to try something new in working environment.

This street smart type is what PTPTN must aim for as i believe the PM vission is want to have more 'orang berbakat' in Malaysia. As those many JPA scholarship holder, some have gone to overseas because they do not have any attachment in debt in Malaysia.

In the long run , everyone benefits , but with the current system, problems will arise everytime any issue about PTPTN rises up.

Please read my earlier posts.

I copy paste if you are lazy (which obviously you are):

As for the lawyer fees, the contract is like almost th same for everyone. PTPTN being a govt. agenc must have the free services from the govt.s own Legal Division (penasihat undang-undang) attached to the ministry. Even JPA has one.

Seriously BN would win a huge block of votes just by elminating the PTPTN service charge.....

This post has been edited by Faidzal: Feb 24 2011, 11:43 AM

Yes, someone finally gets what I'm saying.

oh come on.

continue using "have you not heard this and that" to justify your "i'm not gonna pay, nyeh nyeh".

how many have paid their principal fully with only interest left compounding? i'd say 10 people from whole population of PTPTN-defaulter-fag

"SInce you still do not understand English, I will write in Melayu." <-- keh..keh...keh....nak tunjuk dia terpelajar la tu...

semua nak murah, semua nak free....itu la perangai orang kita.

kalau aku leh bayar, kawan2 aku leh bayar, kenapa orang2 lain x leh bayar? g

habis belajar, once dah habis final exam, jangan fikir nak rileks @ honeymoon jer....pergi la cari kerja cepat2...pergi PTPTN, tanya dorang mcm mana structure payment, lepas tu buat plan....

bila result keluar jer, terus apply kerja....jgn tunggu convo....pakai slip result pun dah cukup untuk apply....kerja berlambak kat malaysia ni, terima kasih pada kerajaan kerana banyak FDI masuk.....

kerja, tolak siap2 berapa nak bayar bulan2....x susah pun.....xde masalah.....bagi kita yg x deserve scholarship, mcm ni la yang patut kena buat....bukan berjuang untuk tukar kerajaan disebabkan xnak bayar hutang yg banyak.

pada waktu kita sign agreement tu, kita dah jelas ttg apa yg bakal menanti.....ada member aku, dia dapat buat PTPTN, dia masukkan dalam ASB...sbb dia x perlu sangat nak berbelanja banyak...makan pun ala kadar jer....at least ada untuk skit daripada dividen.

ko sekolah ke tak ni?? bayaran PTPTN akan masuk ke dalam hasil kerajaan.....kerajaan akan salur balik untuk bagi loan kat student baru.....duit sama, rolling lain cara jer.....

PTPTN x bergerak sendiri la, dia still pakai duit kerajaan....

Kesian tak paham2, aku tulis melayu pun tak paham2.

Interest free bukannya totally free.

Bukannya tak nak bayar langsung, tapi bayar balik apa yang kita pinjam.

Kalau pinjam RM40k buat degree bayar balik RM40k je.

AKu kasik example dulu JPA/MARA boleh buat, kenapa PTPTN tak boleh buat?

Kau sekolah BM fail ke? Tak faham2 apa aku tulis?

Do you now comprehend the problem with your original solution?

AS I've mentioned, make it interest free, and BN will never have to worry about losing votes any more.....

ada baca agreement x? kalau x setuju agreement, jangan sign, jangan pinjam.....kalau rasa leh dapat rate bagus kat tempat lain, cari kat tempat lain....

"Kalau pinjam RM40k buat degree bayar balik RM40k je." <-- boleh buat, kalau semua peminjam bayar on time...ko nak gamble semua orang akan bayar? orang kita ni, kalau mahal x bayar, kalau x mahal pun x bayar....senang la nak mintak, 40k bayar 40k.....kalau dapat pun, potong jari kalau bayar....entah apa pulak alasan lepas ni.

ko yang tak nak terima kenyataan.....

Penat la aku explain panjang2 tadi, kau tak baca pun.

QUOTE(Faidzal @ Feb 24 2011, 11:22 AM)

btul dooo

Aku terima kenyataan yang aku tak dapat scholar, aku dah bayar banyak dah pun.

Tapi aku kesian kat kengkawan yang muda-muda ni yang hutang pelajaran tinggi pasal kena bayar interest, padahal aku tak kena interest pasal aku dapat loan JPA.

Boleh je aku tunjuk troll face kat diorang, padan muka dan segalanya tapi ak membantu menyelesaikan masalah.

Aku bagi cadangan nak selesaikan masalah tak boleh ke?

This post has been edited by Faidzal: Feb 24 2011, 11:59 AM

no, no. i didn't offer any solution. you got me all wrong.

i'm just saying from your statement that "have you heard some people already finish paying their original loan amount", IF they really want pay their loan, they will settle their PRINCIPAL ignoring the compounding INTEREST

in the end, all this are shitty excuse for not paying.

I think this is the problem, which is making PTPTN a profit-seeking govt. agency.

It is better if they go non-profit, the management budget (gaji staf PTPTN) should be subsidised by govt.

If the students graduated and have high-paying jobs, the tax that they pay are enough to payfor the running costs of PTPTN.

1. tukar kerajaan? x mungkin....mungkin kena tunggu next year...
2. apa leh buat skarang? refinance...mungkin dari bank rakyat @ bank islam....rate paling best buat masa ni.....buat loan penuh, span lama....xde la terasa sangat nak bayar....
3. MPP uni kena main peranan, bukan bergaduh sbb calon dorang x menang...