For those sudah long overdue, gov must put them under blacklist, and then auto deduct during income tax filing time. Where there will be an extra column add-on for ptptn during final checkout to get them pay asap. Since everyone have to file income tax to claim tax exemption deductions, this is make all those PTPTN defaulters to pay already. If by chance, they haven't file income tax before because no job, then just let them go for now. Since no point chasing these group with no job for ptptn if they got no salary to survive.

As for the current ptptn holders now still studying, before these ppl graduate, faster put them on the bar list for overseas travel first. So they are all forced to pay. If they default more than 6 months, update the status to CTOS, and then do the auto deduct via income tax like the old timers defaulters.

IF THE GOV IMPLEMENT THIS NOW, in 5 years, we would reduce the ptptn bad loans by at least 80% already.

It's so obvious this solution works, yet the gov only talk and no action. But the Palestine's' donations and immigrations can get done so fast. What the hell is they doing.

Walao, these people really ah. If education became free, then who is going to pay the lecturers salary? If all subsidized and run like government hospitals, then you'll get overworked and underpaid teachers just like how gov docs are getting now, resulting in teachers brain drain. Highly qualified teachers with experiences would all go private unis to teach, and then end up, the "free" educations unis just have low quality teachers which tend brings out low quality graduates. When such graduates want find job, they get mostly only low pay job offers because low skills due to poor education.

In the end, the so called free education will be low standard like current SK/SMK levels. If you want quality, must attend private, and so ppl would still ends up having to take personal loans with interest rates of typically range from around 4.38% to 24.51% per annum instead in order to attend private unis.

Really, these protestors have no brain and no logic thinking. No wonder they dare to default ptptn loans.