kesian kat anak2 korang xdpt loan sebab uncle aunty anak korang semua gaji tinggi tapi nak bayar rm100 sebulan..

so many ppl are just thinking.. what can PH do for me? then.. when have to sacrifice a bit, say ppl kencing hancing matakucing..

This post has been edited by jrrsim: Dec 6 2018, 05:15 PM

Hey, it's not fair to those ppl who have set up direct debit too. Everyone have got their commitment, they have fixed xxx for ptptn repayment, and ptptn accepts it. And now just because country no money, ptptn no money, they can say, oh feck u guys, u guys gotta pay more. WTF?

What's the difference if u have a car loan, and u pay on time every month, u didn miss, u didn pay extra, coz u have plans and committed plans already with ur income. And then suddenly bank say oh this year we dont have money, so u guys must pay according to our new rate. WTF woi.

I'm sorry but this is not how u do things. You dont just put a blanket and say feck the rest. Very poor PR and strategy from ptptn. Altho i do agree that those defaulters or those that does not even pay minimum deserves it.

This post has been edited by briantwj: Dec 6 2018, 05:18 PM

yes, it is an unfortunate scenario indeed.. the payback amount can be further fine-tuned to not create such a big impact..

however, when a debtor has the means before they took out more loans, they should always strive to pay off existing loans first..

PTPTN was a scheme to assist borrowers that were not well to do, not a financial instrument.. or do u agree if the government increases the interest rate to 10% for all existing loans to recoup losses and only carry out this new repayment scheme for new loans?

This post has been edited by jrrsim: Dec 6 2018, 05:24 PM

Yea, I think this can still be fine tune. Perhaps something like, it only applies to those who did not pay 3 months in a row or something. But I'm not sure if they are willing to add this new filter / rules. Seems like it's troublesome and also there will be loophole. Like ppl can just pay 1 month, wait for 2 month, then pay on 3rd month.

Hope they can find a win/win situation without affecting ppl who are paying on time and right amount.

do u agree if the government increases the interest rate to 10% for all existing loans to recoup losses and only carry out this new repayment scheme for new loans?

Nope, this is just being unfair to the newer batch. Perhaps punish those who did not pay a single cent back. Make it hard for them to buy cars or properties or wut. Impose the new rule to only them. Every month deduct specific amount. lol

This post has been edited by briantwj: Dec 6 2018, 05:33 PM

yeah, i believe they will further improve the way this is handled. They could also set up teams as there may be real scenarios whereby helping family members is taking up a large amount of money and unable to fork out so much extra money.. but it is hard to handle each case separately..

But.. for those that are just fighting to keep their existing payment amount due to the 1% interest.. i implore you to please be a better citizen and not a selfish one..

u do know, getting people to go to tertiary education is in the government's best interest right ?
more tertiary educated people, means more professional workforce which drives the economy further instead all SPM leavers who cannot read english and do maths like, 1+1 =3

if anything, the government should be giving free tertiary education.
but there is a problem, because of the quota system which ensures certain 'people' cannot enter public universities even though they are more than qualified.
giving free education with quota will have problems, because they are churning out graduates who are unable to perform properly in the workforce, thus wasting government money.

people who pay according to original payment plan are not the bastards here. the bastards are those who did not pay.
if anything the financially smarter bastards, are the ones generating the most taxes, since they are hell bent on making more money which cannot escape the income tax system.
everyone looks for financial loopholes everywhere, like u look for ways to get lower payment for your yearly income tax.
since u are so patriotic, you should not claim anything for tax relief, pay the full tax, no need exemptions.

just a query, where does ptptn get the fund from?

Syukur I pay lum sum my PTPTN loan during my 1st year of working with my bonus hehehe

amazing, the number of ktards being revealed to be sky high!!



last time stating this. Kalau bodoh simpanlah sikit. PTPTN dont behave like bank and ktards with no PTPTN gtfo myob

It is not mandatory for one to finish repaying earlier, but the person’s own willingness and kindness.

I appreciate your willingness to settle it earlier, but no, we did care and did not fk up our priorities, and in fact structure them nicely instead because we do repay it on time according to the agreement.

Other people can surely have the opportunities to take the loans too if enforcements and decisions were done right, but this is sadly not the case.
i.e. do not give full-waiver for first-class honors, 10% discount for direct debit and 20% for one-time lump sum repayment when they know the institution cannot afford to do so, and do nothing towards defaulters as well.

Of course, like I said, we all can do nothing because we all indeed signed the agreement, and they can change whichever clause they want.

This world is the survival of fitness; I too agree that these motherfkers are smart yet selfish but who to blame? Blame the fking corrupted ex-govt by letting those who are rich to borrow the money in the first place and letting people to exploit this badly, then when all shits got exposed, new govt just simply decided to hike up the repayment amount with almost no buffering period.

If only if this loan worked like what it is going to be, or with proper planning and enforcement, perhaps many would not have borrowed or have repaid nicely.

Public fund....

Instead of investing in public educational services, the previous gov under invest, and abdicate to the public sector to take up the slack, and then indebt students with loans to pay private fees....final beneficiaries: private education....

Basically transfer public funds to private hands....and students bear the debt....

And the whole scheme was cooked up without any concrete system of recouping these unsecured loans....hence 50% don't bother....

And here we are today....

He probably got tilted and triggered by those outsmarted him to survive and do better in the society while not being guilty under the laws, and tries to be a saint.

where did the public fund comes from? if dont mind asking.

where is the root of the fund coming from?

Eh....public fund duh...

Taxes, Petronas royalty, etc lah...

Aka your tax moneh....lol

And people don't want pay back....

so, people who pay tax, are paying for the next generation loan?

PTPTN borrower are paying back to the money that they own?

they are being charged of the money that they gave to PTPTN to loan it to them?

paradox?

This post has been edited by Gon Freaks: Dec 6 2018, 06:30 PM

Dah pinjam tu bayar ler. Tua tua pun nak kena ajar.

part of it is your money if you do pay income tax
so, basically defaulters use your hard-earned money wrongfully and don’t repay what they owe

Eh.... normally that's the case....but sometimes you pay taxes to pay your parents debt.... remember the 1 t debt....

The money should really go into developing public education....like I said, it's a scam....lol

trololololololol

PTPTN, agency under education minster Maszlee. I am not surpise by this "great idea" that is "flawlessly" executed.

This post has been edited by brkli: Dec 6 2018, 10:58 PM