Meanwhile majority PTPTN borrowers only have to pay RM50 monthly. They probably never repay a single cent.  It is indeed unfair.

But hey /k only shout : u hutang u bayar laaa

just wait for your turn kena. Gamuda staff PH voters kena. We fell into 15% bracket also mostly PH voters. There few more years.. will hit you soon

What's the point of having the agreement at the very first place?

I think like 1%.

So why would you want to pay it back faster?

Then the contract should have an increasing clause according to salary.. which there isnt.
Every loan is suposed to be according to black and white document. Else is that piece of paper just toilet paper?

I did not take any ptptn loan. Just stating on those who did.
Yes someone has corrected that there is indeed a clause.

I think this clause should be highlighted at point of taking the loan as students being young and gullible at that point in time wouldnt have likely known better.

Demo with bank now to do rescheduling too.
I got many more left over.. 30 years monthly housing installment
Just tukar. Kasi 15 years. 7k per month. I have no issue. Janji sudah signed. Kena bayar... lai..

/k standard mentality.

I quitted following this thread after I saw most of the people here are just plain stupid, ya I do understand that here is /k but obviously they are not trolling but actually thinking and commenting ridiculously and ignorantly

Of course the agreement surely got clause to change whatever they want, and yes, we all indeed signed that, but problem here is never ever had something like this happened before (at least from what I have concerned) as in sudden spike up of repayment %, if we do know thing like this beforehand, nobody would have taken this PTPTN loan

Most importantly, some of us do pay on time and according to the agreed and scheduled amount even though we could pay more, but we do not because we want to use the disposable income at other commitments, and we have already planned all these revolving around the PTPTN loan

Govt is so ignorant that they do not want to punish only the defaulters when they could, I just cannot, this country is hopeless basically alongside all the other issues happening

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.

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.