QUOTE(bylkw2 @ Dec 6 2018, 05:58 PM)
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.
Let me put it this way, you wouldn't be paying a measly RM300 if it was a loan from the bank. Now, if you were to have any decent sense of civic responsibility, you'd do the right thing and pay back your loans as much as you could afford, rather than to take advantage of the system. The previous government screwed up with the repayment options given, fact. You were just looking out for yourself, fact.
Curious how the narrative have not been, it'd been OK if they increased it to 10-12%, but not 15%, but just a flat out dismissal the proposal all together. Bunch of entitled twats.
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QUOTE(bylkw2 @ Dec 6 2018, 06:03 PM)
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.
Definitely triggered because entitled people with the haves do not want to pull weight, despite having the means to do so. Outsmarted? Yep, certainly so, because now that I have my loans all paid up, I do not have to worry about being caught out after overcomitting financially, pretty happy about being outsmarted. Being a saint? I do try, but I do certainly hope that it messes up travel plans for some people here.
Salary 8k will be potong 1.2k to pay PTPTN 
Dec 6 2018, 11:08 PM
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