same applies to those who borrow your money but fails to pay back.. the anger, the frustration are equally shared.

or ppl burn down lge's house
just abolish ptptn onli lah

u trigger 4 wat, abolish ptptn loan poor ppl just stay home bcum begger no nid study
i no say abolish ptptn repayment

u stupid onli ptptn

Thank you PTPTN and government for helping me out.

I was from a low-income family, parents cant afford my tuition fees for universities.

My grades were not bad, but not good either to get full scholarships or waiver.

So I borrowed around 50k to go tertiary education.

10 years have passed. I am now earning RM12k, managerial role.

Looking back to my struggles, I wanna thank gvt and ptptn for giving me a chance to climb the social ladder and a better future for me and my family.

For that, I gladly oblige to the payment. I gladly settle a small % of my income to a loan, that costs very little (1% interest) yet gave me a fighting chance to climb the social status. I promise to use 15-20% of my income for ptptn although I have some other commitments.

Sekian.

u think too much, u stupid onli

It was not the government nor ptptn's fault for poor family planning. PTPTN has realized its objective in helping me and some other people who worked hard to climb the social ladder.

It doesn't matter how many % you wanna set aside, as long as you settle your debt, or what I would like to call it a deed.

tat y i said u stupid
every loan got contract, even it is floating rate it will not exceed certain amount

but if let say bank loan contract repayment depend on its mood, hrmmm next month u nid 2 pay 60% lah, bcauz i no moneh,
u think wat will happen? tis is the current gov telling 2 the public, come sue 2 gov pls
if the gov can do like tis ady, y not bank?

They can do that
You can read your agreement and see it for yourself
And again
Dah hutang bayarlah pundek

So what were you doing all these while before you hit RM8k salary? Starbucks and cheonging?

lol tat y i said u stupid lah, dare 2 say free market economics sumore
doing so will shock shrink tax generated from those income group since
they spend the most gov earn the most tax from them, free market demand & supply mah
u knw how long it take 2 recover or not? i bet u don't even knw time 2 recover & its fomula is wat

thn u said but bank won't? how r u sure bank won't, if 1 can get away with it
another will follow, whn u no options how 2 get free market? u don't 4get free market always factor in profits

Econonics experts, let's be clear haha... Banks won't reduce loan tenure from 30 yrs to 10 yr when they see u earn much more money. In fact, they will lend you more.

It's their main income laa.. why reduce loan period? break their own rice bowl?

So, don't compare banks and ptptn like this leh...experts.

KNN MCB ..  pinjam duit tak bising .. suruh bayar bising.

Let me change the analogy

You get a loan from bank in 1990 and monthly installment based on that time blr is 300
Economy crisis in 97/98 and all of sudden u have to pay 1000 but can't afford it due to 6-7 mouths to feed.

Apa susah? 14th floor la. Lel

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....

Those who sign agreement for the 1% sure kencing, because government doesn't follow the law of contract. The agreement already stipulated all the repayment schedule and they trying to rescind it.

A lot people laugh at Gamuda padan muka, songlap, but the agreement already there, now those PTPTN borrower going to feel like Gamuda liao. Malaysia baru give a misconception of rescind contract as they like, like this how to convince investor to invest in Malaysia.

IMO the rules is good for those who did not pay single cent, using this force method will work, but please do not punish those who follow PTPTN loan contract repayment.

they can't bcauz it isn't free economy bcauz bank negara say any form of loan cannot do tat
but since gov violated tat 

lul stupid keyboard warrior

it is just a example for stupid juvaan who knw nothing

Bayar je lah