more importantly, how you are now, financially speaking.

Keep fighting. I was like that too. Not to say I’m all good now but definitely better than before. Most important is to look forward. It’s good to learn from the past mistake but don’t dwell too much about it negatively.

for me is different. should have applied PTPTN for my diploma coz if i do with my result, I could have converted to scholarship and get free money.
in any case, borrow liao keep in FD earn interest also good.