Ujrah or no ujrah the loan is already very good and affordable.. 3% interest only...

Sometimes ppl very easy to forget without the money, no money to study then cannot get degree and good job... After get job, buy nice car and never bother to pay back...

This is called biting the hand that feeds you...

I hope epf dont screw up on this.... Epf give members 4 or 5% interest... If they loan to ptptn and ptptn charge 3% interest to students only... Who is paying for the deficit?

Looks like a time bomb to me... Damn worried cuz i am epf contributor oso!!!