Good to know that! I would love to hear your insights, so if you haven't would you mind answering my survey? I would greatly appreciate if you can share with others in your network too. ^^

400k comes from JPA JKPJ Scholarship. I study in France. Since JPA JKPJ was marketed as scholarship at that time and the shift to loan wasn't made aware to many (we are the second batch to receive it in loan form), most of us accept it unaware of the scale of payback since not many in our immediate surrounding have the capability to advice us regarding it (parents and family low education and lack of exposure towards contracts etc) I would say in general in my time, the offer come across a bit predatory as it targets vulnerable candidates like us for this offer as we were all ignorant SPM leavers and have mostly uneducated family backgrounds who were just sincerely happy that we got a 'scholarship' and didn't know any better. So yeah, regrets is abundant.

They are now more transparent in regards to that though. Saw them mentioning it on Myself website. So, future students that takes this loans should be able to do it much more clear headed than us.

In our case, no interest rate. Well even 1% on 400k is still 4000. So good that they dont put interest rates.