hi, i just registered to this forum just to post this out.
I am 22 yrs old and currently working at bank negara. income 2200
the problem is currently I have these debts :

Car loan : RM390/ month

Personal Loans :
Bank Rakyat RM15k
Bank Islam RM24k
RHB 5k
Previous company koperasi RM16k

these are excluding interest.

I've missed to pay all loans for 5 months, except car loan.
I think i am in serious trouble and about to seek AKPK for helps.

These loans are due to my immature behavior, starting my first job at 21, spending a lot on shopping, entertainment and try to start a business which going nothing...Im still young and i am worried as i have a long journey to go.

Shud i go for akpk?
If i am in akpk programme, can i apply for gov housing loan (as im working in bank negara)

As i posted this out on 31st dec, which means i really want to start a new life, financial freedom.
Thanks in advance.