Ahaha now in the end it's about the interest % aint it. Mampu but tak nak bayar. Bukan tak mampu.

Ujrah at 1% should now be increased to 4-5% like bank.

Herein where the problem lies. Repayment of the PTPTN loan is the lowest of priorities to you because it's only a 1% interest and there was option given to you by the previous government to drag it out as long as possible. Although it's entire possible to finish repaying the loans much earlier, you decided not to because you do not care. I repaid my loans before they were due because it wasn't just a loan to me, it was to pay it forward to ensure that OTHER PEOPLE WOULD HAVE THE SAME OPPORTUNITY TO FURTHER THEIR EDUCATION.

The are even some mutherfuckers in here who views it as easy credit, saying that it's financially wiser to take advantage of the lower interest rate and invest it elsewhere. You bastards are the problem, it's a freaking education loan and it only works if everyone pays back what they owe. The previous government fucked it up with the repayment options, YOU DON'T HAVE TO.

I don't get it with the siege mentality that it is you against the defaulters. You've got the moolah, you fucked up your priorities and it's the defaulters' fault?

Having said that, 1.2k is kinda steep but RM8k guys definitely shouldn't only be paying RM300.

tapi abang

8 k and above salary, bukan 1k and above, kalau they do this 1k till 3k earners , then I agree with you 100%

ini 8k,
cut off luxury life, sure still can live comfortably

4 years to pay off a 30k loan?
if get bonus, can use to percepatkan

I am only a diploma holder from KDU and it took me around 5 years(or more, I can't remember) to clear my study loans and my salary was around 2.8k at the time. I was already paying taxes since my salary was above 2.5k. Max monthly I had to pay was RM400 but that was because my priority was to clear my loans first. Also not forgetting I was paying RM500 as well for my Proton Saga FL during the time. Only then when my salary hits 3k then I started to buy an apartment. So really, it is all how you want to prioritized how you want to handle your money. You sendiri tak cukup duit but want to go to do to investment. What's the point of investing with such small amount?

cut off unnecessary spending
think before having family and marry
stop having dinner/lunch at atas restaurant
use normal phone below 800 instead of 1k and above
cukup.

When you owe money, you pay it back.

Your "luxury goods" doesnt take precedence.

Failure to repay the loan is preventing other students from getting support form PTPTN to further their studies.

to some people here like jenifferjen, luxury life first and able to lookdown cheapskate like me with their luxury life more important.

As I have mentioned, it is about 1 person's priorities. If you think investment in small amount is good, then go ahead. It depends how you want to suffer. Suffer to clear debts first and then later got more money to invest or invest now but suffer because of your loans. Everybody has commitments, who doesn't? Commitments aren't optional, I give you that, but investments are.

You are looking at the issue where you think majority of the people are having salaries of 8k. Are you 1 of them? I do believe those who are salaries with 8k have somewhat paid at least nearly 60-70% of their loans already. It is not me who said they are suffering, the people who are complaining is making like themselves are suffering. With the reasoning 'oh, means I use my money for commitments and investments ar?'. I already agreed that commitments are not optional and must be tend to, but investments. Investments are optional. How much could you invest anyways? You are not earning a 5 digit figure yet. Investments with bigger amount of money is better than small. The returns you get is small, but hey, it is still a return, yes? If you think that investments are stronger priority than paying back your loans, then maybe you should check again your priorities. You put in FD a few k, what returns do you get? Just a few small hundreds. You want to invest, invest more when you have more money.

M4A1 kalau ini tuju pada yang earn 1-3 k ok la aku faham your comments

ini 8k bang, why so difficult?\
erald06  don't waste time talking to them....for them investment more important than loans

Does it important nearly 60 or 70% already? The point is salary discrimination. So bank should also take this approach to higj earners? Start from now all salary 8k and above must use 15% of their salaries to pay one single loan. If 2 loans then 30%!!

Wtf!

sad, stupid kerajaan, now no chance to suppress  and cut off 8k earner's luxury life.

no more blunder already 

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

and who are you to force us to accept low salary as an employer whom earn more than us?
u can suppress us, we can suppress you too.

sad and disappointed, this is the only way to suppress the rich earners whom borrow ptptn before they graduate and enter working world, now no more liao.

I guess generations later maybe able to see suffering of richfags.

for u everything is troll...stupid