u can cheat on the parents income
the ptptn guy himself told me to do so if want full loan

even if u got 3.5 n above, still cannot get exemption from paying the loans.. only loans appoved before july 2005 are entitled to get the exemption.. all loans approved after july 2005, u got 4 flat the whole sem also have to pay.. and not 3.5 and above, its for students who get 1st class honour degree.. some university 3.5, some 3.75..

it is based on monthly balance..
for example.. if you loaned RM30,000

(30000 x 0.03)/12 months = kos pentadbiran for a month