alot of students applying for ptptn nowdays.

and with ppl like our forumer here "hidan" that promoting and suggesting for ptptn borrower not to pay back. Im not surprised to see ptptn become more strict in their selection.

plus u have bad records there, bad results and havent pay back. i dont think they will give u the 2nd loan until u finish pay back your first loan.

its like bank la, plus its a loan. its not a charity programme. if its charity programe/scholarship also, u need a good results to satisfy them.

and with this kinda of attitude, what do u expect? if u really desperate need their loan, go to their office and talk with the guy there. instead of claiming they are bz and only make one or two phone call.

pfftt. who do u think u are?