i don't have extra money to pay more



in contract for 1st year
i need to pay less than RM100
if im not mistaken..i need to pay about RM80
but i pay RM100
still not enough ka?

Hey, reflecting my previous question, the 1% is not applicable for Diploma courses is it?

and reflecting to my previous question, is there a way for first class student to get scholarship?

ptptn release is focus on gpa rite?

how bout short sem, if below 2.0.

still can get?

Wonder if you still need my advise, didnt finish reading it tho.

I only took RM5k loan. At first the admin fee was RM20/month, if not mistaken for continuously 3 days. Of course, not to mention the admin charges was from very little increased to RM20.00. 2 years ago since i started working, what i did was, when i make the payment, i usually pay a whole lump sum. Say 1 year i am supposed to pay back a total sum of RM1200, instead of paying every month by installment, i pay by a whole lump sum. This also save me a lot of money. Imagining per transaction is RM1, i saved RM11!!!

I was told that for the period that you did not make the repayment, you have to pay extra untill ur payment is up to date. Say ur montly payment is RM100.00. Because u didnt pay for a year, the 2nd year when u started to pay u have to pay RM200.00 for a year and once you have done with your first year payment, you can resume paying RM100 per month as scheduled.

So now my loan still remain RM3k and the interest is below RM10.00.

Anyhow, i respect you. at least u are making the effort to make the repayment. Cheers.

Just pay more than interest then u should be ok...put remaining money in FD or stock market if you want...cheers...

anyone received their new agreement letter regarding the change to 1% aredi????

its gonna be end january soon

i not yet receive...i have been paying every month...hmmm

anyway it can be delay rite when i still going after my advance dploma ?????

anyway i haerd it and also i still haven get my offer letter certify so can i be able to delay my payment using the un certify offer letter ??

I think u need to get approval from them first. In any event, please do not delay in doing all these. As if possible, you could also get your interest stayed so that you dont have to further incur interest.

is that mean better to pay back rather then delay ?

I mean since you are going to continue studying, might as well talk to the PTPTN people to see if they can temporarily freeze your account and only re-active the repayment when you graduate. If this can be done, then it wud be able to save up quite a substantial sum for you.

i think rite its up to u wan to pay back early or later...

think opportunity cost...

u dun pay back u got more money to use...
use money can be 2 ways of using...spend it for fun or invest...

if u invest MAYBE u untung...maybe u rugi...

if u pay now ur loan decrease...so its up to u

lol

I agree most importantly is remember to settle the loan. This is the only thing that we cud pay back to the society after getting a favour frm them.

okay then really hard for me to make up my mind if i really wan to pay back them but not monthly can a
?

some people say no need to pay back is totally bullshit ...

unless the database in ptptn corrupted ... else the defaulter name will be there forever ...

and interest growing and growing every year ...

oookay that mean in when i wan pay back also can izzit
?

no la u cannot suka suka pay back when u wan -.- not my father open wan...if my father open ptptn sure i give u that special offer edi...

i think under these circumstances only u can apply for delay

1. after 6 months still no job...write letter to them say u wanna extend
2. furthering ur studies i think still can as long its from a legit institution
--- eg. u jus completed diploma then u continue degree

others i dunno i only know this 2 can write letter for extention

I remember mine they immediately charged me without even me getting a job. I just didnt bother to write in. Only started paying back recently and am glad that i only still have ard 3k to pay then gao dim. Tho mine was not a lot only RM5k loan.

they will charge 6 months after completed course

its clearly stated in ur agreement letter

and they even state can extend in newspapers and alot of other places...

i think everyone knows about this

lol but i dun think they will charge u right after u graduate -.- so many ppl nvr kena only u kena kinda weird lol