Yes... it cannot be compare... which bank every loan you money for 1% interest.
So don't compare when the government decided to change policy to clip pay back rate to salary.

Some of those I know, enjoying the 1% low interest rate for so long... investing in ASN, FixD or stock and paying merely the minimum with salary >5k... Now when government change policy to increase payment, all F words come out.... These ppl can easily payback just by taking out their investment.... But no, they won't... they want to enjoy interest free loan....

That's y i said. 1% is the real culprit here especially those who forgot to borrow.

But you see, we are paying back consistently, but kena the most here. All you guys say : u hutang u bayar! Are we not paying every month?!

Ya lor why violate? Isnt that what we complaining?

Why violate agreement?

Free economy or not...If bank cannot do that why gov can? isnt that what all this fuss is about?

Here

For those who don't read their offer letter

For me no issue, eligible 20% discount somemore, better get done with it. How about those who comply payment as agreed for years and years and heavily battered with essential commitments (sickly parents/children)

Sadly the gov failed to see all aspects. Obedient and disciplined M40 once again bears the brunt of selfish borrowers.

And you my friend, as i assumed, are probably truly privileged and selfish jerk/prick with no empathy or thoughtfulness for the general mass. From the way you speak, you have truly never been through hardship havent you?

Wait till you are desperate for that last 100 bucks in your account and LHDN puts their hands in your account takes it away, JUST BECOZ THEY CAN    .

Rest my case. Cheers.

once again, bukan tak bayar, but stick to agreement je la?

Many honest borrowers who pay on time according to agreement with the same PTPTN.

Why punish those who comply? why not just impose this on defaulters?

I rest my case. Goodnight 

Its very hard to find empathy for people with above 8k salary trying to look poor.

Do you guys think the rest of us earn so much?

There are alot of us here earn less than 8k, and still have to pay bills, pay loans, feed their family. We all have to do that with less salary, some of us earn less than half of you 8k incomes, but you all complaining as if you guys 8k salary is barely can cover everything.

Man. What the actual fuck man.

Don't tell me you earn 8k, but drive old car, live in small apartment, never buy expensive smartphone, never go vacation, never eat expensive food, never go shopping and buy something expensive etc and all your money is used to pay loans, pay bills, feed family etc.

No. Sorry but no sorry. So many of us salary below 8k also can do it. But you 8k salary people struggle?

Why don't you guys give us low income earner some empathy instead.

The only thing that I think is wrong is that government want to do it right away on January which is too little time. That all.

Ayam too

Get to IPTA via STPM and JPA scholarship for degree program
Life is tough

You need work hard to get what you want

Top as in?

if you read carefully, it said  "Cara Bayaran Balik" , pay back method subject to change according to PTPTN but it does not say PTPTN berhak mengubah ansuran bulanan dengan memberi notis ... ". in the contract, initial cara bayaran is from the salary deduction from employer and PTPTN can change this method. they can change how you pay back to any method but the amount remains the same as in the contract. if they can simply change the amount, this clause should be written under Ansuran Bulanan, not Cara Bayaran Balik.

Kudos to you.

you are the creme de la creme.

Unfortunately not everyone has the same privilege & opportunity to even study/work their ass off.

I know some people who splurge their PTPTN money.

I also know some people, when they receive their PTPTN sends back a substantial amount to support their family at home. Work part time with classes to attend. With such weight on their shoulders its almost impoosible to attain scholarship winning results in uni. All done and dusted upon graduation they need to continue supporting their family with their meager starting salaries and with every increment it lessens the burden of the family on them.
After years they have worked themselves up to comfortable positions.

PTPTN helps people in those categories.

And now suddenly, PTPTN says, screw you and your family, pay me first.

Thats what we complaining about.

i never owe ptptn and i pay on time every time until now. suddenly i have to pay 8% of my salary, that is a shock.

Then you dont know what is true hardship.

For a PhD you lack empathy.

agreed, that's abuse/misappropriation of funds.

but what to do, sometimes desperate people takes desperate measures.

I don't blame them nor do I pity them, but when it's time to pay up, then please pay up

Trust me, you are right. there are people far worse than you.

Imagine this, a so called PTPTN borrower working part time, to support studies and family, cycles few kM to nearest tesco at night at 930pm to buy cheap stock clearance bread and consumes that for the next week. Simply becoz of "true hardship". Scored average results, got a job, worked his ass off and comfortable today.

Sadly, its a true story. Fortunately for him, he turned his life around.

You know you have an education loan then why get more without settling the first loan??? Do student really understand what is financial management?

Its like saying kalau dia pandai, dia tak akan jadi miskin.

Inbe4 everyone has a miskin father.