Hi, i'm coit student october 2014 intake. I applied for mara loan, for those who took the same loan may i ask when will we get the first payment? Is it before or after final exam in the first semester? Kinda worried because i didn't apply ptptn as a backup. In here we can't delay the fees payment till the next sem right? I can't afford paying the fees 7k for the first semester by my own. Anyone help?