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Loans & Scholarships Is it worth to take study loan?, study loan

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CyberSetan
post Jul 29 2022, 07:35 AM

-KNowLEdGe BRiNGs FEaR-
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From: Im a Medical Officer in /K. I'm here to lepak.



QUOTE(Apple_2206 @ Jul 26 2022, 02:04 PM)
I am a non-Bumi

Yeah, I did show some enthusiasm.

Ohh, I do not plan to study in Indonesia cause I heard some of the universities use bahasa Indonesia to teach the students. RM400k+ is RM100k expensive than private uni in Malaysia (AIMST and PIDC)
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My advice as doctor to you. Take loan to study courses that will DEFINITELY be able to return your investment/repay back your loan and has high demand in Malaysia. Pharmacy and dentistry still in good demand compared to medicine.

And ALSO, you should seriously consider Indonesia if you want to save money.

See this Malaysian Chinese girl studying dentistry in Universitas Gadjah Mada (UGM) - she is very2 happy there and as a matter of fact, thankful that she studied there:



See her videos about her life as a dentistry student there. PM her if you want to know more.
CyberSetan
post Jul 29 2022, 11:46 PM

-KNowLEdGe BRiNGs FEaR-
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From: Im a Medical Officer in /K. I'm here to lepak.



QUOTE(Apple_2206 @ Jul 29 2022, 10:48 PM)
Glad to hear that. Thank you so much for this information! biggrin.gif
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Let me help u further...

Here is the cost to study dentistry for international student in Universitas Gadjah Mada (Yogyakarta). - LATEST FEES !!

Attached Image

Source (Click it): https://admission.ugm.ac.id/application/tuition-fee/

Dentistry course is 6 years in Indonesia. So there will be 12 semesters in total. The cost persemester as stated above is Rp78,000,000.
So it is Rp78,000,000 x 12 = Rs936,000,000.

Assuming the exchange rate is RM1 = Rs3,300.

The tuition fees will be = RM283,600++


So the tuition fees are obviously CHEAPER than any dental degree program in Malaysia...
If you watched the videos of the Malaysian Youtuber Dental Student that I recommended above - she said the cost of living in Yogyakarta is very cheap than KL or Malaysia in general.

I think, rather than spending extra RM100,000-RM200,000 to study dentistry in Malaysia - you can use that money to cover for living expenses in Indonesia.
ie: Dental program in Malaysia ~ RM350k-400k (Tuition fees only) vs Dental program in Indonesia ~ RM290k (tuition fees) + RM100k (for 6 years living expenses +/-)...

See here:



Even University Malaya's open channel dental program cost RM420k+++ for tuition fees alone - https://umcced.edu.my/programme/satu/bds

Your call.~

This post has been edited by CyberSetan: Jul 30 2022, 12:08 AM
CyberSetan
post Jul 30 2022, 01:54 AM

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From: Im a Medical Officer in /K. I'm here to lepak.



QUOTE(iSean @ Jul 30 2022, 01:01 AM)
My sister is from UGM from 2013-2019.
I think my parent spent near RM 400k on her.

Things you need to take note lo.
The Jogja people doesn't have proper water supply, they use ground water / well water.
Need to learn to drive or own a bicycle/motorcycle.
You need to "pay" to find patients, feed them with foods, to get enough patients to pass a "Block" exam practical

Very limited "dental chairs" or some in bad conditions one la.
Can surely get exposure how poor a true third world rural area can be.

Lectures are conducted in Bahasa Indonesia, but lecture notes can be in English.
Try to enroll into the university through their entrance exam and not through some funny funny Education agents. 
Those agency are scumbags who milks your money.

Also things to take note is those kelentongan "NOC" Letter. I think TS should be fine. 
https://www.thestar.com.my/news/education/2...st-doctors-only

Also most residentials doesn't have fibre internet, you will be spending tons of money on Data Packages if you don't have a fixed line internet.
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That is inclusive of living cost + agent fees + tuition fees. Correct?

Regardless of the conditions you've mentioned, your sister's degree is recognized and she is practicing in Malaysia, yes?

I studied medicine in Bangalore India back in 2007.

The poor third world condition was very useful for my studies back then. Clinical cases you will NEVER see nowadays in Malaysia still rampant there. It has sharpened my clinical skills quite a lot. Apart from that, the living cost was cheaper than Malaysia, there was no such thing as 'fiber internet' then, but I managed to get a fixed line internet for quite an affordable price (8Mbps speed in 2008 for around RM130/month).

I would have suggested TS to study in India too but the fees to study medicine/dentistry there is even higher than Indonesia and Malaysia. It was USD120,000 (almost RM500k) for MBBS tuition fees alone and that was in 2011.

All things considered, TS aims to get a dental degree that is recognized in Malaysia.... and cost is a major factor for her...

... and if TS wants an even cheaper recognized dental degree - there is always DHAKA DENTAL COLLEGE biggrin.gif

https://zarazakiah.com.my/universiti/dhaka-dental-college/



or perhaps ALEXANDRIA UNIVERSITY (EGYPT), this one I'm sure 100% taught in English, I've a dental colleague that studied there... RM16000 (USD4000)/Semester... that is RM160k for 5 years dental program... that is even cheaper than UGM... laugh.gif

https://zarazakiah.com.my/universiti/alexandria-university/



...tepuk poket, kira duit tepuk dada, tanya selera

This post has been edited by CyberSetan: Jul 30 2022, 02:47 AM
CyberSetan
post Jul 30 2022, 02:57 AM

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From: Im a Medical Officer in /K. I'm here to lepak.



QUOTE(Apple_2206 @ Jul 29 2022, 03:05 AM)
Hi, yeah dentistry is quite saturated these days. Few years ago, there was only 6 dental clinics but now there are more than 20 here.

Yes, they can support me with the fees but its a huge amount so I feel bad. I agree with you it could be a handicap

Dentistry is not my only choice so I hope I can get any other good course in government university. If not then  smile.gif

Thanks for your opinion! biggrin.gif
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That is more of the issue of distribution of dentist... same issue with medical clinics....
All want to be in major cities... all want to be in Klang valley... of course saturation will be a problem...

One of the major problem has always been MAL DISTRIBUTION of dentists...


If you are aiming to earn a living, you must be willing to relocate to a less competitive rural towns...
Even rural town folks need dental treatments...

This post has been edited by CyberSetan: Jul 30 2022, 03:26 AM

 

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