after reading through the many comments, it appears to me, the issue is, many people are not willing to pay up more because it's only 1% interest....and many defaulted and got away with it....

automatic deduction is a standard feature of many student loans systems, including the australian hecs-help programme (yes, they need to pay about a third of fees, and can borrow most of that)....

the australian system is, automatic deduction at salary source starts after a certain salary level, arranged through the ato (lhdn)....and EVERYBODY registers with ato, because, if you don't have a tax number, your employer MUST BY LAW deduct 50% of your salary to remit to ato....

nobody escapes...everybody registers, even if you are doing part time waiting....!! nobody wants 50% of their wages removed...

many here are unhappy now because although they owe money, because of low payments/defaults with impunity, many over commits on other "investments" and now they cannot default anymore....

nobody makes financial commitment based on "not needing to pay taxes/epf/socso" right?....so why are people making commitments based on 'not needing to pay ptptn'?

if the gov implements the australian system from the beginning, this issue would not have arisen at all....but the previous bn gov failed to manage the ptptn system wisely.....one wonders if they actually already decided to run it as a 'scholarship' system, quite willing to write off the loans....that is because i believe the ptptn system is a SCAM to pass public funds to private hands (private education)....the unis owners pocket the money and students get saddled with the baby....