Can I know what is the lowest interest i can get From AKPK? how AKPK will calculate my total debt for CC & PL? Only total amount that i swipe or plus all the late charges and interest?(for cc), and for PL is only the original loan amount i borrowed or the amount that already included the Interest? Coz now i am earning RM2500++ Per month, and total amount owe without including the interest is RM39K, so how much installment should i pay every month for duration of 10years? Is it possible for me to only pay RM400 Per month? i really feel so puzzle...