Sigh...malas nak layan dah. Continue to look at the smaller picture. I can't argue with simpletons.

+1
for example dulu ikut agreement, monthly bayar 200, tak kisah gaji berapa
now, gaji kau makin tinggi, lagi tinggi kena bayar
pastu simply abolish previous contract
PTPTN macam palat

apalah yang susah sangat faham budak2 ni
isu nya, bukan hutang taknak bayar
ini dah bayar pun, sesuka hati naikkan bayaran bulanan
bank pun tak perangai setan macam PTPTN nih

I'm judging purely on the fact there are people refusing to pay ptptn eventhough they can clearly afford other luxuries.

come, let's look the bigger picture.
providing good education is the government's job right ?
more people getting tertiary education is good for the economy right ?
they are more professional and drives the economy more, right ?

so, it is in the government's best interest to make sure that PTPTN continues, so it can continue support to produce more graduates for the country.
now, let us look at why making PTPTN payback a firesale is bad.
first, it will discourage new borrowers, which in turn, reduces the amount of graduates.
less capable workforce for the country means less taxes, and less economy advancement.
second, with this new rule of forced payback in place.
every investor in the world would think, the government can do anything to make its people to pay debts, surely they can amend the public law and screw up private companies to pay debts to banks or the government.

so, now is this the bigger picture ? or we just pay off the PTPTN, then everything else don't matter ?

PTPTN should just take 100% of the salary. then just give back what they deem reasonable for you to live your life. if they like just return 5%, 12%, 1% or no return, depending solely on their kindness, because they have the "rights" to do it. good luck the future generation...

This post has been edited by brkli: Dec 7 2018, 02:18 PM

You want free education


But are your ready for 20% gst and effective 50% income tax?


Or your think money fall from sky?

You cant keep looking at a different picture and said other is wrong or weak or dunno how to invest etc, is just rather how you plan your loan and investment. Some get more investment return from their little money than paying more to ptptn loan. When their investment profitted in few years time, they can settle their ptptn loan all together. Wasnt that good too?

See the whole point is actually very simple regards of investment or not, u are meant to pay so much until your loan completed. U plan for that budget, and if you get more, u pay more, depending on individual monthly plan.

Im ok with uturn..but im not ok with the defaulter who not pay at all even though they can afford to pay it ..ptptn need to be strict with this kind of people.
Need mechanism to hunt them all

PTPTN want to autodeduct salary already many meroyan like bapok


How to force then?

Macam apple tu

Ayam dunno what enforcement effective for them..but still need to hunt them all
Klu main cs go ni mmg ak bg headshot dh setiap sorg

money do not fall out of the sky, but the way the government is handling the money seems that way.
1) cronyism when selecting suppliers, refer to auditor general report
2) corrupt system in bureaucracy, need to pay for applications to be processed faster.
3) too many public servants, and slow efficiencies.
4) quota system which do not give the best student chances to be get the best education, who later become graduates who contribute to the country,
instead we are sending subpar students to the universities, getting subpar graduates which make everything worse

Kasi up this thread to 50pages to show good measure for TS.

#uturn

why not try to see from the "simpleton's" point of view.

I get your point and you claim to see the big picture. But take note the gov serves the people and should not be run like a corporation. Social welfare is part of the agenda.

There it self can see you lack the empathy and possess narrow view.

Last2 anak2 yg nk smbung belajar yg kena sacrifice sbb ptptn xckup dana

haha..not their anak ler..i mean for anak2 malaysia yg memerlukan..yg parent susah

Correct but the people abuses the gov by not paying. So salah siapa? Why do you think this was enforced at the first place? PTPTN is already in debt already because of what reason, eh? So who you want to shift the blame to? It's not the lack of empathy, it is because all these happened is because of selfishness. If the previous government were strict at the first place, people wouldn't take advantage. 'It's not fair to the people who have higher salary'? Well, life's not fair. Again, who caused this to happened? I also kena punished for things I didn't do, but in the end, what could I do? I complained but last-last also no action was taken. If people can't properly prioritized what should be done first, then maybe they should recheck their lives first and maybe they don't deserved to get a loan/help they deserved because they are the ones who are creating this 'unfairness' to the rest.

I am done. I am not gonna bother replying in this thread anymore. Tag me all you want, but I already had my say.

+1..got 1 my friend still not pay single cent since he working. ayam ask why not pay even just a little like RM50 per month. He said he wanna wait ptptn abolish the loan...ayam facepalm already

Thanks for your view. But my view as a PTPTN borrower is for the gov to exercise their own moral judgement. Yes, legally they are entitled to enforce but is it ethical and just? Imagine, one day maybank comes and tell you that you need to pay 500% higher installment for your car loan just because some other people cant pay theirs. are you ok with that? Banks being capitalist in nature will not dare to do that, what more PTPTN which is meant to help the people?

Screw, reprimand and charge additional interests on the defaulters for all i care, declare them bankrupt and charge them in court if necessary.

But dont penalize those that have been diligently paying their dues. which happens to account for about half of all borrowers.

The move to demand higher repayment in accordance to higher salary is just not the way. All of us "simpletons" have already planned and budgeted our cashflow based on the agreed amount signed as per our contracts and suddenly you tell us we have lesser disposable income due to the selfishness of the defaulters?

this is the fault of the defaulters who abused the system and generosity of the gov, dont put all PTPTN borrowers in the same bucket.

if you pay diligently, govt view you as a cash cow and will squeeze you as much as possible, the 15% might be 20% in the future if all these went through, like what the ptptn chairman said, they have the right to do it, that is all that matter to them.

the defaulter? well probably happy holidaying oversee