imho in your case it's hard to get the loan

why you said ptptn didnt answer your call? did you call after office hour?

before this i has problem also
diploma i borrow money
now take degree i want to borrow again
but they didnt process my application
i waited for 1 year
and last week i called plus send a report via www.ptptn.gov.my
problemo solved~
although the problem didnt solved right away
the ptptn staffs really helpd me a lot
thanks to them

(i emailed before also no respon .. keep on calling)

now permohonan sedang diproses
so happy
goodluck to you!