why did you apply for personal loan at the first place? this is the thing with people nowadays. take loan as if they get free money. you still hae to finance that personal loan! and your PTPTN as well (black***t or not).

may i know who the donkey's heaven to take the personal loan to pay off the low interest PTPTN loan? p/s: my friend kena tahan to go overseas because PTPTN not paid.