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

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iSean
post Jul 26 2022, 12:00 AM

iz old liao.
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Senior Member
4,496 posts

Joined: Jun 2011



QUOTE(Apple_2206 @ Jul 25 2022, 11:44 PM)
I plan to further my studies in a private university if I didn't get into any government universities (the course that I like). As you all know, the fees in private universities are quite high compared to government universities. (RM300k)

If I further my studies in a private university, I plan to take study loan so that I can lessen my parent's burden, but my father has different opinion as he is scared that I might not be able to pay back the loan.

Please give me your opinion regarding this. Thanks! biggrin.gif
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Can provide more on your entry requirements? and What Results you gotten for your SPM / Pre-U / Diploma?
Then what you plan to study onwards? Are you eligible for student scholarships?

To be frankly speaking, I find Private Tertiary Education in Malaysia quite unaffordable and just pile you up in loan debt.
Especially if you see those Mid Tier University like APU, UCSI jacking up tuition fee prices.

If you want mid tier or lower, I think UTAR/TARUC is the most safest budget friendly options out of the bunch.


If you want ranking can consider UM's backdoor. But your PTPTN most likely will be 10k-20k-ish.
https://umcced.edu.my/programme/satu

Benefits is your Degree no one would question if you graduate from reputable Government IPTA compared to going to Private University ...

Some MNC companies have actually list of recommendation university students to accept.... rclxub.gif
iSean
post Jul 26 2022, 08:00 AM

iz old liao.
*******
Senior Member
4,496 posts

Joined: Jun 2011



[quote=Apple_2206,Jul 26 2022, 12:22 AM]
[QUOTE]

SPM: 5A+ 2A 1A- 1B+
Matriculation: 3.92

I plan to further my studies in dentistry. I attended interview for BDS in UM, UKM and USM but I am not very confident that I can get into government universities because they only accept 50 students. For now, I can get about RM30k scholarship only (in private university). I can get PTPTN about RM63k

If I apply for UM then do I have to attend the interview again? But I have to pay international student's fee right?

Mind elaborating about MNC companies?

This year's UPU result is quite late (3rd week of September)
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[/quote]

Are you a Bumi or non-Bumi?

You need to show your enthusiasm during your interview and why you wanted to be in this industry.
Show that you are there to long term serve Malaysian Healthcare, why you think Dental/Oral health care is important.
And our national dental system where is it at, what salary they are being paid.
How poor our Malaysian Healthcare on Dental is. And how you would try to attempt to improve it.

Yes, most likely there will be Interview and Medical Background screening as well.
International/Local Malaysian Unsubsidized Fees about RM 400k-ish tuition fees, roughly the same if you go to Universitas Gadjah Mada with MUCH POORER Surroundings laugh.gif

This post has been edited by iSean: Jul 26 2022, 08:01 AM
iSean
post Jul 30 2022, 01:01 AM

iz old liao.
*******
Senior Member
4,496 posts

Joined: Jun 2011



QUOTE(CyberSetan @ Jul 29 2022, 11:46 PM)
Let me help u further...

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

[attachmentid=11206689]

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.~
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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.

This post has been edited by iSean: Jul 30 2022, 01:04 AM

 

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