True oso, no point let them earn..

the current FD rates are low. Better pay more to reduce the PTPTN amount. When the FD rates are high, deposit more to FD and pay the exact amount to PTPTN. In that way, you will earn the spread even it's not much...

i have very bad experience with PTPTN. I loan for 21k for my degree finished on 2004, last year i paid until 19.5k already. do you know how much still the balance....i still have 7k balance...arrrggghh...now no mood to pay ptptn...

5.5K interest? serious?
did you check with them?

yup i have check with them...cannot nego anymore....i didnt follow the repayment scheme....so the interest from 2004 to 2009 is around 5k..huhuhu..

that's how all loans work. Interest builds up...and will continue to build until you pay finish.

anyway does anyone pay their PTPTN loan through the ptptn.gov website - E-FES? Its been down for a number of days...can't pay this month's installment.

I read from the PTPTN website.

We are entitled for a rebate if we could finish up paying the loan before the time allocated.

Anybody could confirm on this?

It's not rebate. It is you paying less interest to PTPTN.

just pay off everything and move forward..

anyone received a new letter for their interest rate adjustment (from 3% to 1%) ?

Hmm.. from what I heard, it was 3% at 1st, then became to 1% and then 0%. I'm kinda lost myself, which is which? Perhaps I've heard it wrongly...

Why so mah fan? I got first class and the loan was converted to scholarships. I borrowed the max amount: RM82,500. You know what? Then, I moved to work in Singapore coz I don't have any obligation to repay the money. PTPTN scholarship has no bond, so you are free to leave the country good eh? much better than any other scholarships.

For those who are studying and taking PTPTN loan, you know what to do. Follow my foot steps and you'll earn big money while studying and working

This post has been edited by EasyLife: Feb 21 2010, 03:10 PM

Not everybody as smart or as lucky as you. By the way, most people here have already completed their studies. Nothing can be done to change the grades of their results.

It is still 3% charge on admin fee,not 1% yet. I have been waiting for long time.

Not everyone is as smart and capable as you.

i am wondering, let's say if i pay the whole lump sum, how much discount will the PTPTN gives us? anyone got any idea on this?

alot of my friend owe PTPTN money but never pay back
the solution is simple
just pindah rumah , as long as address changed , they cant find u d ..because thanks to our smart government system is not link together LOL

but problem is, the PTPTN can blacklist on the CTOS as well as the immigration department(kastam). from there, you won't be able to go overseas, apply for loans and etc..

what kind of rebate? how much?

u think so cheap ar...buy new house =.=

The amount to be paid in the agreement is included the interest. If u wanna settle ur loan earlier, then u need contact them to calculate for u. Most probably is minus out the admin fee (interest).

Anyway, if anyone wanna check whether their name being black listed from custom or not, can check from here :

http://eform.ptptn.gov.my:8080/blacklist/login.cfm

Anyway, if black listed, I think you won't be able to renew or apply for passport until u settle with PTPTN.

i have checked on the link, and my name is no there. i even tried on the link below but my name is not there.
http://www.ptptn.gov.my/web/guest/upkb

so was wondering if my name was drop out from their list or they have forgotten about me